本文選題：農(nóng)戶小額貸款　切入點(diǎn)：風(fēng)險(xiǎn)　出處：《內(nèi)蒙古大學(xué)》2013年碩士論文

【摘要】：農(nóng)戶小額貸款作為郵儲(chǔ)銀行內(nèi)蒙分行支農(nóng)服務(wù)功能的一項(xiàng)重要政策,在支持內(nèi)蒙古農(nóng)村經(jīng)濟(jì)發(fā)展,解決農(nóng)戶貸款難問(wèn)題,促進(jìn)農(nóng)牧民增收,建設(shè)社會(huì)主義新農(nóng)村,構(gòu)建和諧社會(huì)等方面都發(fā)揮著積極的作用,同時(shí)受到了全區(qū)農(nóng)村廣大農(nóng)戶的普遍歡迎。但是在農(nóng)戶小額貸款推廣過(guò)程中也存在一些問(wèn)題,影響到了其效果的發(fā)揮,需要進(jìn)一步加強(qiáng)思考,予以解決。農(nóng)戶小額貸款由于具有無(wú)須抵押擔(dān)保,金額較小,而且周轉(zhuǎn)使用方便快捷等特點(diǎn),非常適應(yīng)農(nóng)村金融市場(chǎng)的現(xiàn)實(shí)需求,是農(nóng)村金融的重要組成部分。然而隨著農(nóng)戶小額貸款的快速發(fā)展,其風(fēng)險(xiǎn)也逐步顯現(xiàn)出來(lái),農(nóng)戶小額貸款的風(fēng)險(xiǎn)防范工作已經(jīng)是銀行面臨的重要研究課題之一。 論文以郵儲(chǔ)銀行內(nèi)蒙分行開(kāi)展農(nóng)戶小額貸款在實(shí)際操作中遇到的困難和問(wèn)題為背景,以COSO報(bào)告、企業(yè)內(nèi)部控制基本規(guī)范及應(yīng)用指引為理論基礎(chǔ),梳理了農(nóng)戶小額貸款風(fēng)險(xiǎn)特征及其產(chǎn)生的根源,對(duì)郵儲(chǔ)銀行內(nèi)蒙分行農(nóng)戶小額貸款風(fēng)險(xiǎn)管理現(xiàn)狀及存在的問(wèn)題進(jìn)行了剖析,得出農(nóng)戶小額貸款風(fēng)險(xiǎn)防范是一項(xiàng)系統(tǒng)性工作的結(jié)論,進(jìn)而提出了關(guān)于做好風(fēng)險(xiǎn)防范與控制的各項(xiàng)舉措建議,以期對(duì)以后實(shí)踐工作提供經(jīng)驗(yàn)借鑒與現(xiàn)實(shí)指導(dǎo)。
[Abstract]:As an important policy of supporting agriculture service function of Inner Mongolia Branch of Postal savings Bank, small loans of farmers support the development of rural economy in Inner Mongolia, solve the problem of farmers' loans, promote the income of farmers and herdsmen, and build a new socialist countryside.The construction of a harmonious society plays a positive role and is generally welcomed by the rural farmers in the whole area.However, there are also some problems in the process of the extension of peasant's small loans, which affect the effect of the extension, and need to be further considered and solved.Because of its characteristics of no mortgage guarantee, small amount of money, and convenient and quick turnover, peasant household microfinance is very suitable for the real needs of the rural financial market, and is an important part of rural finance.However, with the rapid development of micro-credit, the risk of micro-credit has gradually emerged, and the risk prevention of micro-credit has been one of the important research topics facing banks.The thesis is based on the difficulties and problems encountered in the practical operation of the sub-branch of the postal savings bank in Inner Mongolia, and on the basis of the COSO report, the basic norms and application guidelines of the internal control of the enterprise.This paper combs the characteristics of peasant households' microfinance risk and its origin, and analyzes the present situation and existing problems of peasant household micro-loan risk management in Inner Mongolia Branch of Postal savings Bank.The paper draws the conclusion that the risk prevention of farmers' small loans is a systematic work, and then puts forward some suggestions on how to prevent and control the risks, in order to provide experience and practical guidance for the future practical work.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F618.3;F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 姜建清;銀行信貸退出理論和實(shí)踐研究[J];金融研究;2004年01期

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本文編號(hào)：1725679