本文選題：農(nóng)商銀行　切入點(diǎn)：小額貸款　出處：《青島大學(xué)》2017年碩士論文

【摘要】：小額貸款起源于20世紀(jì)60年代孟加拉國(guó)鄉(xiāng)鎮(zhèn)銀行的“GB”模式,它是指以城鄉(xiāng)低收入階層為客戶群體的小規(guī)模的金融服務(wù)方式,出現(xiàn)的主要目的是發(fā)展農(nóng)業(yè)和消除貧困。我國(guó)在1993年引入該種模式,經(jīng)過(guò)這些年的發(fā)展,小額貸款業(yè)務(wù)取得了長(zhǎng)足進(jìn)步,在促進(jìn)個(gè)體工商戶和微小企業(yè)發(fā)展、促進(jìn)“三農(nóng)”發(fā)展等方面發(fā)揮了很大的作用。但是隨著業(yè)務(wù)范圍的擴(kuò)大,農(nóng)商銀行的小額貸款業(yè)務(wù)所面臨的風(fēng)險(xiǎn)問(wèn)題也在增加,阻礙了該銀行小額貸款業(yè)務(wù)的持續(xù)健康發(fā)展。因此如何科學(xué)的回避、降低和控制這些風(fēng)險(xiǎn),成為農(nóng)商銀行亟待解決的課題。本文主要對(duì)A市農(nóng)商銀行小額貸款業(yè)務(wù)中的風(fēng)險(xiǎn)進(jìn)行了識(shí)別,并計(jì)算了各種風(fēng)險(xiǎn)的權(quán)重,給出了風(fēng)險(xiǎn)值的計(jì)算方法,最后針對(duì)相應(yīng)的風(fēng)險(xiǎn)提出了對(duì)策建議,為A市農(nóng)商銀行加強(qiáng)小額貸款風(fēng)險(xiǎn)管理提供參考和借鑒。首先闡述了A市農(nóng)商銀行小額貸款風(fēng)險(xiǎn)管理研究的背景和意義,并歸納總結(jié)了國(guó)內(nèi)外研究現(xiàn)狀、提出了研究?jī)?nèi)容和研究方法;然后介紹了相關(guān)的基本理論和理論基礎(chǔ);在此基礎(chǔ)上,運(yùn)用風(fēng)險(xiǎn)樹搜尋法識(shí)別出A市農(nóng)商銀行小額貸款業(yè)務(wù)中存在的風(fēng)險(xiǎn),主要有信用風(fēng)險(xiǎn)、經(jīng)營(yíng)風(fēng)險(xiǎn)、行業(yè)風(fēng)險(xiǎn)、利率風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)五種風(fēng)險(xiǎn)類型;接下來(lái),本文分析了衡量上述五種風(fēng)險(xiǎn)的具體指標(biāo)項(xiàng)目,并利用層次分析法和德爾菲法計(jì)算出每種風(fēng)險(xiǎn)類型所占的比重,說(shuō)明了風(fēng)險(xiǎn)值的計(jì)算方法;最后,針對(duì)每種風(fēng)險(xiǎn),結(jié)合農(nóng)商銀行的實(shí)際情況,提出相應(yīng)的對(duì)策建議,以防范和控制小額貸款風(fēng)險(xiǎn)。
[Abstract]:Microfinance originated in Bangladesh in 1960s Township bank "GB" mode, it refers to the small scale of financial services to urban and rural low-income groups for the customer, the main purpose is to develop agriculture and eliminate poverty. China introduced this model in 1993, after years of development, small business loans made great progress in the promotion of individual industrial and commercial households and small enterprise development, has played a significant role in promoting the development of "three agriculture". But with the expansion of business scope, risk of small business loans of rural commercial bank faces is also increasing, which hindered the bank microfinance business sustainable and healthy development. So how to scientifically to avoid, reduce and control these risks, a rural commercial bank need to resolve the issue. This paper mainly carries on the identification of risk A small loan business in the rural commercial bank Don't, the weight of various risks and calculation, given the risk value method, and finally puts forward some suggestions for the corresponding risk, and provide the reference for strengthening the microfinance risk management of A city rural commercial bank. Firstly expounds the background and significance of the research on microfinance rural commercial bank risk management in A City, and summarizes the the research status at home and abroad, put forward the research contents and methods; and then introduces the related basic theory and theoretical basis; on this basis, the risk existing in the use of risk tree search method to identify A rural commercial bank small loan business, including credit risk, business risk, industry risk, interest rate risk and operational risk five types of risk; next, this paper analyzes the specific indicators measure the risk of the five, and calculate the proportion of each type of risk by AHP and Delphy Fa That explains the calculation method of risk value; finally, for each kind of risk, combined with the actual situation of rural commercial bank, puts forward the corresponding countermeasures and suggestions, in order to prevent and control the risk of small loans.

【學(xué)位授予單位】：青島大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

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