本文選題：HC銀行 + 小額農戶貸款�。� 參考：《哈爾濱理工大學》2012年碩士論文

【摘要】：隨著國家改革開放的不斷深入，我國的經濟以年均10%左右的增長速度快速發(fā)展，廣大人民群眾的物質生活水平得到了顯著提高，充分享受到了改革開放帶來的成果。但是，我們應當看到目前我國的農民可用資本很少，低收入人群占比很大，這與國家提出的構建和諧社會的要求相差一定距離。在解決這個問題的過程中，商業(yè)銀行小額農戶貸款的作用不可忽視。商業(yè)銀行小額農戶貸款已經被越來越多的人們所熟悉，其在服務三農過程中的重大意義也逐漸顯現(xiàn)出來，為了更好地了解商業(yè)銀行小額農戶貸款，促進其在支持民脫貧致富的過程中發(fā)揮更大的作用，本文試圖從海城市郵儲銀行（本文簡稱HC）小額農戶貸款的發(fā)展和風險入手對其進行研究與探討，在對商業(yè)銀行小額農戶貸款風險分析和風險評價基礎上，提出解決HC小額農戶貸款風險防范的對應措施。 本文以HC小額農戶貸款為研究對象，首先從小額貸款風險研究理論出發(fā)，對國內外小額貸款風險的研究成果和思路進行概述分析，總結了小額農戶貸款風險的研究對小額貸款的可持續(xù)、健康發(fā)展和支持地方經濟發(fā)展的重大意義和作用。其次闡述HC小額農戶貸款發(fā)展概況和風險成因，從借款人、社會信用環(huán)境、同業(yè)間競爭、操作風險、道德風險等九個方面詳細剖析了HC小額農戶貸款風險形成的外部、內部成因，并對如何識別各項風險進行詳細的剖析與闡述，通過對HC小額農戶貸款面臨的外部因素、內部因素和自然因素引發(fā)的風險，構建由兩級15個指標形成的小額農戶貸款風險評價指標體系，選取層次模糊綜合評價方法對HC小額農戶貸款風險進行評價，為HC小額農戶貸款風險管控提出對策與啟示。然后針對HC小額農戶貸款風險成因、識別的分析與評價，提出了建立風險補償機制、健全內部風險控制機制、建立業(yè)務培訓機制、完善小額農戶貸款征信系統(tǒng)、優(yōu)化信貸評級制度、加強小額農戶貸款運行的信用風險監(jiān)測等十二項風險防范措施。本文的研究將為今后HC小額農戶貸款的風險防控提供理論依據(jù)，，為HC小額農戶貸款的健康、可持續(xù)發(fā)展鋪平道路。
[Abstract]:With the deepening of China's reform and opening up, China's economy is growing rapidly at an average annual rate of about 10%, and the material living standards of the broad masses of the people have been significantly improved, and the fruits of reform and opening up have been fully enjoyed. However, we should see that there are few available capital and a large proportion of low-income people in our country at present, which is far from the requirement of building a harmonious society put forward by our country. In the process of solving this problem, the role of commercial bank small farmers loans can not be ignored. Commercial banks small farmers loans have been more and more familiar to people, its great significance in the process of serving agriculture, rural areas and farmers, in order to better understand the commercial banks small farmers loans, In order to promote its role in the process of supporting people to get rid of poverty and become rich, this paper attempts to study and discuss the development and risk of small farmers' loans in Haicheng Postal savings Bank (HC). On the basis of risk analysis and risk evaluation of small farmers in commercial banks, the corresponding measures to prevent the loan risk of HC small farmers are put forward. In this paper, HC small farmers loans as the research object, starting from the microfinance risk research theory, the domestic and foreign microfinance risk research results and ideas are summarized and analyzed. This paper summarizes the significance and function of the study on the risk of small farmers' loans to the sustainability, healthy development and support of the local economy. Secondly, this paper expounds the development and risk causes of HC small farmers' loans, and analyzes in detail the external risk formation of HC small farmers' loans from nine aspects: borrower, social credit environment, interbank competition, operational risk, moral hazard, etc. Internal causes, and how to identify the risks of detailed analysis and elaboration, through the HC small farmers to face the external factors, internal factors and natural factors caused by the risk, This paper constructs a risk evaluation index system of small farmers' loans formed by 15 indexes of two levels, selects the hierarchical fuzzy comprehensive evaluation method to evaluate the risk of HC small farmers' loans, and puts forward the countermeasures and enlightenment for the risk management of HC small farmers' loans. Then, based on the analysis and evaluation of the causes of the loan risk of HC small farmers, the paper puts forward the establishment of risk compensation mechanism, the improvement of internal risk control mechanism, the establishment of business training mechanism, and the improvement of credit system for small farmers. We should optimize credit rating system and strengthen credit risk monitoring in the operation of small farmers' loans. The research in this paper will provide the theoretical basis for the risk prevention and control of HC small farmers' loans in the future, and pave the way for the healthy and sustainable development of HC small farmers' loans.
【學位授予單位】：哈爾濱理工大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4

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