發(fā)布時間：2018-11-07 12:47

【摘要】：近年來,三農(nóng)問題一直是社會各界的關(guān)注焦點,而用于生產(chǎn)的資金匱乏與短缺又是“三農(nóng)問題”的一個瓶頸,其突出的表現(xiàn)是農(nóng)戶獲得信貸資金較為困難。農(nóng)村土地承包經(jīng)營權(quán)和農(nóng)民住房財產(chǎn)權(quán)(文中簡稱“兩權(quán)”)是農(nóng)村居民最主要的不動產(chǎn),因此轉(zhuǎn)化“兩權(quán)”成為融資手段的兩權(quán)抵押貸款成為解決農(nóng)村居民融資難困境的關(guān)鍵點。為了保障農(nóng)村土地的用益物權(quán),賦予農(nóng)村居民更多金融消費權(quán)益和財產(chǎn)自主權(quán),深化農(nóng)村金融體制改革和創(chuàng)新,有效盤活農(nóng)村沉睡的資產(chǎn)——土地,中央及各級政府陸續(xù)頒布了惠農(nóng)和支農(nóng)政策,其中不乏對兩權(quán)抵押貸款的改革試點政策。而江西省鷹潭市的貴溪市、余江縣分列土地承包經(jīng)營權(quán)和農(nóng)民住房財產(chǎn)權(quán)試點地區(qū),作為本土最大法人機構(gòu)的鷹潭農(nóng)商銀行開展“兩權(quán)”抵押貸款為鷹潭市銀行業(yè)開展精準(zhǔn)扶貧,盤活農(nóng)村沉睡資產(chǎn)、助力“三農(nóng)”經(jīng)濟發(fā)展提供了廣闊平臺,但也陸續(xù)暴露出它在風(fēng)險管理方面亟需解決的困難和問題。本文基于對鷹潭農(nóng)商行“兩權(quán)”抵押貸款的調(diào)查研究,深入分析風(fēng)險發(fā)生的原因、風(fēng)險控制的現(xiàn)狀,研究探討針對“兩權(quán)”抵押貸款風(fēng)險管理的措施,力爭有效控制貸款行為中的法律風(fēng)險、市場風(fēng)險、信用風(fēng)險、操作風(fēng)險、聲譽風(fēng)險等風(fēng)險類型,實現(xiàn)優(yōu)化貸款資源配置、有效推進銀行經(jīng)營效益與社會效益共贏的目的。
[Abstract]:In recent years, the problem of "agriculture, countryside and farmers" has been the focus of attention from all walks of life, and the shortage and shortage of funds used in production is a bottleneck of the "three agricultural problems", the outstanding manifestation of which is that it is difficult for farmers to obtain credit funds. The rural land contractual management right and the farmer's housing property right (referred to as "two rights" in this paper) are the most important immovable property of rural residents. Therefore, the transformation of "two rights" into a means of financing mortgage loan has become a key point to solve the difficult financing difficulties of rural residents. In order to protect the usufruct right of rural land, give rural residents more rights and interests in financial consumption and property autonomy, deepen the reform and innovation of rural financial system, and effectively activate the dormant assets of rural land, The central government and the governments at all levels have successively promulgated policies to benefit agriculture and support agriculture, among which there are some pilot policies on the reform of mortgage loans. In Guixi City, Yingtan City, Jiangxi Province, and in Yujiang County, the pilot areas of land contractual management rights and farmers' housing property rights are classified. The Yingtan Agricultural and Commercial Bank, as the largest local legal body, has developed the "two rights" mortgage loan, which provides a broad platform for the Yingtan banking industry to carry out accurate poverty alleviation, revitalize the sleeping assets in the countryside, and help the economic development of the "three rural areas". But it also exposed the difficulties and problems that need to be solved in risk management. Based on the investigation and research on the "two rights" mortgage loan of Yingtan Agricultural and Commercial Bank, this paper deeply analyzes the causes of the risk, the present situation of risk control, and discusses the measures of risk management for the "two rights" mortgage loan. In order to effectively control the legal risk, market risk, credit risk, operational risk, reputation risk and other risk types in loan behavior, the purpose of optimizing the allocation of loan resources and effectively promoting the win-win benefits and social benefits of banks is achieved.
【學(xué)位授予單位】：江西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4

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