本文選題：汶川地震　切入點(diǎn)：農(nóng)房重建貸款　出處：《四川農(nóng)業(yè)大學(xué)》2014年碩士論文

【摘要】：2008年汶川大地震發(fā)生以后,隨著救災(zāi)任務(wù)轉(zhuǎn)移到災(zāi)后恢復(fù)重建工作上來,在黨和政府的大力倡導(dǎo)和支持下,各銀行業(yè)金融機(jī)構(gòu)傾力投入到災(zāi)后重建,大大加強(qiáng)對(duì)災(zāi)區(qū)恢復(fù)重建資金的投放力度,有效支持災(zāi)后恢復(fù)重建工作的及時(shí)、有序推進(jìn)。災(zāi)后農(nóng)房重建貸款的投放是在政府行為的強(qiáng)力影響下展開的,政策意味濃厚,而政府行為目標(biāo)和信貸金融機(jī)構(gòu)期望收益目標(biāo)存在較大分歧,這將直接導(dǎo)致農(nóng)房重建貸款的到期履約存在很多不確定性,例如災(zāi)后貸款農(nóng)戶還款的道德風(fēng)險(xiǎn)問題,重建農(nóng)戶的災(zāi)后還款能力以及災(zāi)后重建中政府政策作用等,這些因素都將對(duì)農(nóng)房重建貸款的順利回收產(chǎn)生重要影響。災(zāi)后發(fā)放的農(nóng)房重建貸款的期限大部分都在3至5年,隨著受災(zāi)農(nóng)房重建貸款都已基本到期,參與災(zāi)后農(nóng)房重建的信貸金融機(jī)構(gòu)正面臨著農(nóng)房重建貸款回收難的巨大考驗(yàn)。本文在綜合國(guó)內(nèi)外對(duì)銀行貸款違約風(fēng)險(xiǎn)形成機(jī)理及其影響因素的研究現(xiàn)狀的基礎(chǔ)上,以汶川地震災(zāi)后農(nóng)房重建貸款為研究對(duì)象,通過對(duì)汶川地震災(zāi)區(qū)的四個(gè)極重災(zāi)縣(市)和一個(gè)重災(zāi)縣級(jí)市的323戶樣本農(nóng)戶的災(zāi)后農(nóng)房重建貸款情況的問卷調(diào)查和訪談,利用調(diào)查樣本數(shù)據(jù)分析了汶川地震災(zāi)后農(nóng)房重建貸款的發(fā)放和管理現(xiàn)狀；以及利用Logit回歸模型對(duì)重建貸款違約風(fēng)險(xiǎn)的影響因素進(jìn)行實(shí)證分析：最后根據(jù)實(shí)證分析結(jié)果和結(jié)論提出相應(yīng)的政府完善特大災(zāi)害后農(nóng)房重建援助方式的對(duì)策建議。本文研究得出的結(jié)論主要包括：(1)政府災(zāi)后重建貸款政策顯著加大農(nóng)房重建貸款違約風(fēng)險(xiǎn)。政府對(duì)農(nóng)房重建貸款政策會(huì)對(duì)農(nóng)房重建貸款的償還造成不利影響,尤其是對(duì)農(nóng)戶貸款取消抵押擔(dān)保,而進(jìn)行信用貸款的政策,這顯著加大了災(zāi)后農(nóng)房重建貸款的違約風(fēng)險(xiǎn)。(2)災(zāi)區(qū)貸款農(nóng)戶的受災(zāi)損失也會(huì)增加災(zāi)后農(nóng)房重建貸款的違約風(fēng)險(xiǎn)。嚴(yán)重的地震災(zāi)害往往會(huì)給農(nóng)戶造成較大的人員傷亡和財(cái)產(chǎn)損失,地震帶來的損失會(huì)降低農(nóng)戶對(duì)農(nóng)房重建貸款的償還能力,更主要的是這種受災(zāi)損失會(huì)導(dǎo)致農(nóng)戶產(chǎn)生嚴(yán)重的受災(zāi)心理,從而加大對(duì)政府主導(dǎo)災(zāi)后農(nóng)房重建的依耐性,這種受災(zāi)情緒容易引發(fā)災(zāi)后農(nóng)房重建貸款的道德風(fēng)險(xiǎn)違約。(3)民間借貸降低農(nóng)房重建貸款違約風(fēng)險(xiǎn),其他銀行借貸則加大其違約風(fēng)險(xiǎn)。是否鄰里借貸和有無其他銀行借款對(duì)農(nóng)房重建貸款違約風(fēng)險(xiǎn)的作用各不相同,其中,鄰里借貸對(duì)重建貸款的回收有積極作用,而其他銀行貸款則會(huì)加大農(nóng)房重建貸款的違約風(fēng)險(xiǎn)。根據(jù)以上研究結(jié)論,本文提出了以下幾點(diǎn)對(duì)策建議完善政府對(duì)災(zāi)后農(nóng)房重建的援助方式：(1)降低政府對(duì)農(nóng)房重建貸款的影響；(2)積極改善災(zāi)后農(nóng)業(yè)產(chǎn)業(yè)發(fā)展,促進(jìn)農(nóng)民增收；(3)對(duì)受災(zāi)較重的農(nóng)戶進(jìn)行定向補(bǔ)助,減少農(nóng)戶的受災(zāi)損失；(4)鼓勵(lì)民間借貸參與災(zāi)后重建工作,防止不同銀行貸款間的相互影響。
[Abstract]:After the Wenchuan earthquake in 2008, as the relief task shifted to the post-disaster recovery and reconstruction work, with the strong advocacy and support of the Party and the government, the banking and financial institutions devoted themselves to the post-disaster reconstruction.We will greatly strengthen the investment of funds for disaster recovery and reconstruction, and effectively support timely and orderly progress in the work of disaster recovery and reconstruction.Under the strong influence of the government's behavior, the investment of the loan for the reconstruction of agricultural houses after the disaster is carried out with strong policy implications. However, there are great differences between the objectives of the government's behavior and the target of the expected income of the credit and financial institutions.This will directly lead to a lot of uncertainty about the maturity of the loan for the reconstruction of rural housing, such as the moral hazard of the repayment of the loan after the disaster, the reconstruction of the ability of the farmers to repay after the disaster, and the role of the government policy in the post-disaster reconstruction, and so on.These factors will have an important impact on the successful recovery of agricultural housing reconstruction loans.Most of the loans issued after the disaster are in the range of 3 to 5 years. As the loans have basically expired, the credit financial institutions involved in the reconstruction of the houses are facing the great test of the difficulty of recovering the loans for the reconstruction of agricultural houses.On the basis of synthesizing the present situation of research on the formation mechanism and influencing factors of default risk of bank loans at home and abroad, this paper takes the reconstruction loan of agricultural houses after Wenchuan earthquake as the research object.Through the questionnaire survey and interview on the loan situation of the post-disaster rural house reconstruction in the four heavily affected counties (cities) in Wenchuan earthquake disaster area and 323 rural households in one seriously stricken county city,Based on the survey sample data, this paper analyzes the present situation of granting and managing the loans for the reconstruction of agricultural houses after the Wenchuan earthquake.Finally, according to the results and conclusions of the empirical analysis, the author puts forward the corresponding countermeasures and suggestions on how to improve the ways of assistance for the reconstruction of rural housing after the catastrophic disaster by using the Logit regression model to analyze the influencing factors of the default risk of reconstruction loans.The conclusions of this paper mainly include: 1) the government's policy of post-disaster reconstruction loan significantly increases the risk of default of agricultural housing reconstruction loan.The government's policy on agricultural housing reconstruction loans will have a negative impact on the repayment of agricultural housing reconstruction loans, especially the policy of cancelling mortgage guarantees and making credit loans to farmers' loans.This significantly increases the default risk of post-disaster agricultural housing reconstruction loan.) the disaster loss of farmers in the disaster area will also increase the default risk of post-disaster agricultural housing reconstruction loan.Serious earthquake disasters will often cause greater casualties and property losses to farmers. The losses caused by earthquakes will reduce the ability of farmers to repay loans for the reconstruction of agricultural houses.What is more important is that this kind of disaster loss will cause farmers to have a serious psychological disaster, thus increasing their tolerance to the government-led reconstruction of agricultural houses after the disaster.This kind of disaster-stricken sentiment could easily lead to moral hazard of post-disaster rural housing reconstruction loan default. 3) Non-government borrowing reduces default risk of agricultural house reconstruction loan, while other bank loans increase default risk.Whether neighborhood loans and other bank loans have different effects on the default risk of agricultural housing reconstruction loans, in which neighborhood loans have a positive effect on the recovery of reconstruction loans,Other bank loans will increase the risk of default on rural housing reconstruction loans.Based on the above conclusions, this paper puts forward the following countermeasures and suggestions to improve the government's assistance to the reconstruction of agricultural houses after the disaster: (1) to reduce the impact of the government on the loans for the reconstruction of agricultural housing; (2) to actively improve the development of the agricultural industry after the disaster.To encourage farmers to increase their income and increase their income) to provide targeted subsidies to the severely affected farmers and to reduce their losses. (4) to encourage private loans to participate in the reconstruction work after the disaster, and to prevent the mutual influence between different bank loans.
【學(xué)位授予單位】：四川農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F301.3

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 呂殿平,王俊琪;淺議貸款風(fēng)險(xiǎn)管理[J];山西財(cái)稅;2001年02期

2 魏春濤;加強(qiáng)貸后管理 防范貸款風(fēng)險(xiǎn)[J];廣東經(jīng)濟(jì);2002年07期

3 程永太,牛晉剛;信用社貸款風(fēng)險(xiǎn)管理的意義[J];經(jīng)濟(jì)師;2002年09期

4 朱年孝;貸款風(fēng)險(xiǎn)管理重在關(guān)注第一還款來源變化[J];金融信息參考;2004年11期

5 張家泰,羅建國(guó),孫玉良;基層農(nóng)發(fā)行棉花增量貸款風(fēng)險(xiǎn)管理中存在問題及對(duì)策[J];中國(guó)棉花加工;2005年05期

6 李興燕;理性看待貸款風(fēng)險(xiǎn)管理[J];時(shí)代金融;2005年03期

7 張建江;;強(qiáng)化隱性貸款風(fēng)險(xiǎn)管理初探[J];山西廣播電視大學(xué)學(xué)報(bào);2009年05期

8 蔣寶剛 ,李毓;實(shí)行貸款風(fēng)險(xiǎn)管理中的一個(gè)問題[J];經(jīng)濟(jì)師;1993年10期

9 董安總，劉中華，李道信;加強(qiáng)銀行貸款風(fēng)險(xiǎn)管理的思考[J];農(nóng)金縱橫;1994年02期

10 邱鐵源，張奇，，王家琳;按照市場(chǎng)經(jīng)濟(jì)規(guī)律加強(qiáng)貸款風(fēng)險(xiǎn)管理[J];福建金融;1995年03期

相關(guān)會(huì)議論文 前1條

1 吳翰青;王忠郴;;模糊識(shí)別方法在貸款風(fēng)險(xiǎn)與質(zhì)量分類中的應(yīng)用[A];發(fā)展的信息技術(shù)對(duì)管理的挑戰(zhàn)——99’管理科學(xué)學(xué)術(shù)會(huì)議專輯（下）[C];1999年

相關(guān)重要報(bào)紙文章 前10條

1 韓雪萌;鼓勵(lì)、規(guī)范、引導(dǎo)和促進(jìn)銀團(tuán)貸款業(yè)務(wù)發(fā)展[N];金融時(shí)報(bào);2007年

2 市住房公積金中心 車小森;建立長(zhǎng)效機(jī)制 防范貸款風(fēng)險(xiǎn)[N];張掖日?qǐng)?bào);2008年

3 張振河 唐維杰 陳建毅;加強(qiáng)棉花貸款風(fēng)險(xiǎn)管理[N];中華合作時(shí)報(bào);2000年

4 通訊員 竇曉毅;農(nóng)發(fā)行建立大額風(fēng)險(xiǎn)貸款監(jiān)測(cè)管理制度[N];糧油市場(chǎng)報(bào);2009年

5 記者 牧瓊;農(nóng)發(fā)行建立大額風(fēng)險(xiǎn)貸款監(jiān)測(cè)管理制度[N];糧油市場(chǎng)報(bào);2009年

6 王瑋 卓金剛;做好做實(shí)農(nóng)戶貸款業(yè)務(wù)的著力點(diǎn)和路徑[N];中國(guó)城鄉(xiāng)金融報(bào);2012年

7 陳兵 李銳;把握變相融資新特征完善小企業(yè)貸款風(fēng)險(xiǎn)管理[N];中國(guó)城鄉(xiāng)金融報(bào);2013年

8 劉煥欽;貸款五級(jí)分類：農(nóng)信社還差多遠(yuǎn)？[N];金融時(shí)報(bào);2005年

9 中信銀行保定分行行長(zhǎng) 常輝鋒;落實(shí)“貸款新規(guī)” 實(shí)現(xiàn)銀企“雙贏”[N];保定日?qǐng)?bào);2010年

10 記者 李少平　通訊員 李紅剛 龍志銘;郴州貸款投放呈“短增長(zhǎng)減”態(tài)勢(shì)[N];郴州日?qǐng)?bào);2011年

相關(guān)博士學(xué)位論文 前1條

1 陳大添;中小企業(yè)銀行貸款風(fēng)險(xiǎn)管理實(shí)證研究[D];中南大學(xué);2008年

相關(guān)碩士學(xué)位論文 前10條

1 孫得芯;中國(guó)農(nóng)業(yè)銀行A縣支行農(nóng)戶貸款業(yè)務(wù)調(diào)研報(bào)告[D];遼寧大學(xué);2015年

2 王爍;LC農(nóng)商銀行農(nóng)戶貸款的風(fēng)險(xiǎn)防范[D];陜西師范大學(xué);2015年

3 吳江;南發(fā)危房改造項(xiàng)目貸款風(fēng)險(xiǎn)管理[D];電子科技大學(xué);2014年

4 菅健;銀行中小企業(yè)貸款風(fēng)險(xiǎn)管理與控制研究—客戶經(jīng)理調(diào)查環(huán)節(jié)對(duì)中小企貸款風(fēng)險(xiǎn)控制的重要性[D];山東大學(xué);2015年

5 王鵬清;建行SX分行小企業(yè)信貸風(fēng)險(xiǎn)管理研究[D];西北大學(xué);2015年

6 劉崇波;中國(guó)銀行吉林省分行貸款風(fēng)險(xiǎn)管理研究[D];吉林大學(xué);2015年

7 吳鵬;民生銀行小微貸款風(fēng)險(xiǎn)管理研究[D];長(zhǎng)沙理工大學(xué);2014年

8 王寶娟;ZP小額貸款公司風(fēng)險(xiǎn)管理研究[D];東華大學(xué);2015年

9 王濤;汶川地震災(zāi)后農(nóng)房重建貸款違約風(fēng)險(xiǎn)形成機(jī)理與影響因素分析[D];四川農(nóng)業(yè)大學(xué);2014年

10 馬韜;A銀行西安分行貸款風(fēng)險(xiǎn)管理研究[D];西北大學(xué);2012年

本文編號(hào)：1701287