【摘要】：長期以來，農(nóng)村信用社作為農(nóng)村金融的主力軍，以服務(wù)三農(nóng)為己任，為農(nóng)業(yè)增產(chǎn)、農(nóng)民增收和農(nóng)村經(jīng)濟(jì)發(fā)展做出了突出貢獻(xiàn)。農(nóng)戶小額信貸業(yè)務(wù)作為一種專門服務(wù)于農(nóng)戶的金融產(chǎn)品，，在農(nóng)村信用社追求效益和履行社會(huì)責(zé)任方面，具有舉足輕重的地位，其貸款質(zhì)量和風(fēng)險(xiǎn)狀況直接影響信用社的生存和發(fā)展。2003年深化改革以來，廣東省農(nóng)信社堅(jiān)持立足三農(nóng)、面向社區(qū)、服務(wù)城鄉(xiāng)的市場定位，加強(qiáng)內(nèi)部管理，著力機(jī)制、體制創(chuàng)新，取得了快速發(fā)展。提高農(nóng)戶小額信貸業(yè)務(wù)質(zhì)量對廣東省農(nóng)信社的健康經(jīng)營和發(fā)展十分重要。從實(shí)踐看來，農(nóng)戶小額信貸業(yè)務(wù)的風(fēng)險(xiǎn)問題是比較突出的，主要來自于借款人自身和信用社貸款的管理方面，探討科學(xué)的信貸管理方法規(guī)避農(nóng)戶小額信貸業(yè)務(wù)風(fēng)險(xiǎn)，對廣東省農(nóng)信社的發(fā)展影響深遠(yuǎn)。 本文以廣東省農(nóng)信社為企業(yè)背景，主要從小額信貸的現(xiàn)狀入手，分析了廣東省農(nóng)信社農(nóng)戶小額信貸存在的風(fēng)險(xiǎn)。其次，通過對廣東省農(nóng)信社農(nóng)戶小額信貸管理現(xiàn)狀的研究，分析出制約廣東省農(nóng)信社農(nóng)戶小額信貸管理的內(nèi)部及外部障礙。再次，基于韶關(guān)市屬于廣東省農(nóng)業(yè)發(fā)展優(yōu)勢明顯的地區(qū)的考量，選取地處粵北的韶關(guān)市作為實(shí)證分析對象，運(yùn)用面板數(shù)據(jù)（panel data）分析了影響廣東省農(nóng)信社農(nóng)戶小額貸款風(fēng)險(xiǎn)的因素。最后，以廣東省農(nóng)信社為對象，在分析其風(fēng)險(xiǎn)現(xiàn)狀和成因的基礎(chǔ)上，依據(jù)分析結(jié)果提出有效控制風(fēng)險(xiǎn)的對策，并在文章的最后總結(jié)了幾點(diǎn)建議。
[Abstract]:For a long time, rural credit cooperatives, as the main force of rural finance, have made outstanding contributions to increasing agricultural production, increasing farmers' income and rural economic development. As a kind of special financial product serving farmers, the micro-credit business of farmers plays an important role in the rural credit cooperatives in the pursuit of efficiency and social responsibility. Since the deepening of the reform in 2003, Guangdong Rural Credit Cooperatives have adhered to the market orientation of "three rural areas, facing the community, serving the urban and rural areas, strengthening internal management, focusing on the mechanism and innovating the system." Rapid development has been achieved. It is very important for the healthy operation and development of Guangdong Rural Credit Society to improve the quality of farmer's microfinance business. From the point of view of practice, the risk problem of farmer's micro-credit business is quite prominent, mainly from the management of the loan of the borrower itself and the credit cooperative, discussing the scientific credit management method to avoid the risk of the farmer's micro-credit business. It has far-reaching influence on the development of Guangdong Rural Credit Cooperative. Based on the background of Guangdong Rural Credit Cooperative (RCCs), this paper analyzes the risks of micro-credit in Guangdong Rural Credit Cooperative (RCCs) from the current situation of micro-credit. Secondly, through the study of the current situation of the micro-credit management of farmers in Guangdong Rural Credit Cooperative, the author analyzes the internal and external obstacles that restrict the micro-credit management of farmers in Guangdong Province. Thirdly, based on the consideration of Shaoguan City, which belongs to the obvious advantages of agricultural development in Guangdong Province, Shaoguan City, located in the north of Guangdong Province, is selected as the object of empirical analysis. Using panel data (panel data), this paper analyzes the factors that affect the risk of small loan of farmers in Guangdong Rural Credit Society. Finally, taking Guangdong Rural Credit Cooperative as the object, based on the analysis of its risk status and causes, the paper puts forward some effective measures to control the risk, and summarizes some suggestions at the end of the article.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35

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