【摘要】：隨著我國(guó)社會(huì)各界近年來(lái)對(duì)“三農(nóng)”關(guān)注程度和支持力度的不斷提升,農(nóng)戶(hù)貸款作為金融機(jī)構(gòu)商業(yè)化支持農(nóng)業(yè)生產(chǎn)經(jīng)營(yíng)的重要手段,其重要性不斷提升,但在業(yè)務(wù)發(fā)展的過(guò)程中,農(nóng)民信用意識(shí)較差,農(nóng)戶(hù)貸款違約率較高的問(wèn)題也一直困擾著各家金融機(jī)構(gòu),黑龍江省農(nóng)行從自身社會(huì)責(zé)任和政治責(zé)任出發(fā),對(duì)農(nóng)戶(hù)進(jìn)行信貸資金支持更是責(zé)無(wú)旁貸。因此,如何在業(yè)務(wù)發(fā)展的過(guò)程中,既做到農(nóng)戶(hù)貸款的有效投放,助力精準(zhǔn)扶貧、推動(dòng)農(nóng)業(yè)生產(chǎn),體現(xiàn)商業(yè)價(jià)值,又做到信用風(fēng)險(xiǎn)的有效控制,保證資產(chǎn)質(zhì)量、控制信貸風(fēng)險(xiǎn),實(shí)現(xiàn)良性發(fā)展,就成為了擺在相關(guān)農(nóng)行員工面前的一道信貸難題�；谝陨媳尘�,本文試圖從黑龍江省農(nóng)行農(nóng)戶(hù)貸款信用風(fēng)險(xiǎn)分析的角度出發(fā),采取博弈模型法、文獻(xiàn)法、案例法等方式,按照確定問(wèn)題、分析原因、提出對(duì)策的流程,依托模型得出結(jié)論,并結(jié)合文獻(xiàn)理論和業(yè)務(wù)發(fā)展實(shí)際案例加以論證。按照這一研究思路,本文首先以國(guó)內(nèi)外各項(xiàng)理論研究為基礎(chǔ),明確農(nóng)戶(hù)貸款存在的內(nèi)外部信用風(fēng)險(xiǎn),根據(jù)實(shí)際案例歸納信用風(fēng)險(xiǎn)問(wèn)題,在業(yè)務(wù)發(fā)展背景下細(xì)致分析黑龍江省農(nóng)行農(nóng)戶(hù)貸款業(yè)務(wù)在發(fā)展過(guò)程需面對(duì)的各項(xiàng)挑戰(zhàn)。繼而利用博弈論模型分析信用風(fēng)險(xiǎn)問(wèn)題,將其成因歸結(jié)為主觀原因和客觀原因兩類(lèi)原因,對(duì)農(nóng)戶(hù)生產(chǎn)經(jīng)營(yíng)能力不足、信用意識(shí)淡薄、抗災(zāi)能力薄弱等一系列主觀原因進(jìn)行分析,同時(shí)詳述客觀環(huán)境造成農(nóng)戶(hù)貸款出現(xiàn)信用風(fēng)險(xiǎn)的原因,而后從貸款準(zhǔn)入、業(yè)務(wù)調(diào)查、強(qiáng)化擔(dān)保、創(chuàng)新模式和貸后管理等多個(gè)角度提出黑龍江省農(nóng)行農(nóng)戶(hù)貸款信用風(fēng)險(xiǎn)防范的內(nèi)部對(duì)策,并圍繞完善農(nóng)村地區(qū)征信體系、三權(quán)確權(quán)流轉(zhuǎn)體系建設(shè)等熱點(diǎn)問(wèn)題,針對(duì)現(xiàn)有縣域地區(qū)信用環(huán)境為相關(guān)部門(mén)提出建議,以期進(jìn)一步防范農(nóng)戶(hù)貸款信用風(fēng)險(xiǎn),在實(shí)現(xiàn)銀行商業(yè)化利潤(rùn)的同時(shí)優(yōu)化縣域農(nóng)戶(hù)貸款的整體氛圍,逐步解決農(nóng)民“貸款難、貸款貴”的難題。
[Abstract]:With the increasing attention and support to agriculture, rural areas and farmers in recent years, as an important means of commercializing financial institutions to support agricultural production and management, the importance of farmers' loans has been increasing. However, in the process of business development, farmers' credit awareness is poor, and the problem of high default rate of farmers' loans has been troubling various financial institutions. The Agricultural Bank of Heilongjiang Province starts from its own social and political responsibilities. To the peasant household carries on the credit fund support is duty-bound. Therefore, in the process of business development, not only the effective investment of farmers' loans, the precision of poverty alleviation, the promotion of agricultural production, the embodiment of commercial value, but also the effective control of credit risks can ensure the quality of assets and control credit risks. To achieve sound development, has become a credit problem in front of the relevant Agricultural Bank employees. Based on the above background, this paper tries to use the game model method, the literature method, the case law and so on from the angle of the agricultural bank of Heilongjiang province to analyze the credit risk of the farmers, according to the determination of the problem, analysis the reasons, put forward the process of countermeasures. Draw a conclusion based on the model, and combined with the literature theory and practical cases of business development to demonstrate. According to this research train of thought, this paper firstly makes clear the internal and external credit risk of peasant household loan based on the theoretical research at home and abroad, and sums up the credit risk problem according to the actual cases. Under the background of business development, this paper analyzes the challenges in the development process of agricultural bank of Heilongjiang province. Then using the game theory model to analyze the credit risk problem, the causes can be divided into two kinds of reasons: subjective reason and objective reason. A series of subjective reasons, such as insufficient production and management ability, weak credit consciousness, weak ability to resist disasters, are analyzed. At the same time, it details the reasons for the credit risk caused by the objective environment, and then from the perspective of loan access, business investigation, and strengthening the guarantee, This paper puts forward the internal countermeasures to prevent the credit risk of agricultural households in Heilongjiang Province from the innovative mode and the management after loan, and focuses on the hot issues, such as perfecting the credit information system in rural areas and the construction of the transfer system of the three rights to confirm the right, and so on. In view of the existing county area credit environment, this paper puts forward some suggestions for the relevant departments, in order to further guard against the credit risk of farmers' loans, optimize the overall atmosphere of the county farmers' loans while realizing the commercial profits of the banks, and gradually solve the difficulties of the farmers' loans. The problem of expensive loans.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 許占宇;;黑龍江省土地資源開(kāi)發(fā)利用潛力與需求[J];黑龍江科技信息;2016年18期

2 和樹(shù)艦;;以博弈論分析銀行放貸與農(nóng)戶(hù)聯(lián)保貸款[J];金融科技時(shí)代;2016年06期

3 王吉恒;楊洲;鄒玉友;張雨;;黑龍江省村鎮(zhèn)銀行農(nóng)戶(hù)信貸風(fēng)險(xiǎn)影響因素分析[J];黑龍江畜牧獸醫(yī);2014年07期

4 李巖;蘭慶高;趙翠霞;;農(nóng)戶(hù)貸款行為的發(fā)展規(guī)律及其影響因素——基于山東省573戶(hù)農(nóng)戶(hù)6年追蹤數(shù)據(jù)[J];南開(kāi)經(jīng)濟(jì)研究;2014年01期

5 羅琦;;農(nóng)戶(hù)聯(lián)保貸款制度的博弈機(jī)制及其實(shí)踐分析[J];江西農(nóng)業(yè)大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2013年04期

6 杜國(guó)明#副教授;周圓;劉閣;李瑞雪;;黑龍江省農(nóng)業(yè)現(xiàn)代化評(píng)價(jià)[J];中國(guó)農(nóng)業(yè)資源與區(qū)劃;2013年05期

7 楊濤;;以農(nóng)村金融的信貸博弈看農(nóng)戶(hù)貸款難問(wèn)題[J];時(shí)代金融;2013年24期

8 劉立研;李曉紅;;農(nóng)村信用社農(nóng)戶(hù)貸款信用風(fēng)險(xiǎn)影響因素研究——以黑龍江省為例[J];安徽農(nóng)業(yè)科學(xué);2013年13期

9 易小蘭;;農(nóng)戶(hù)正規(guī)借貸需求及其正規(guī)貸款可獲性的影響因素分析[J];中國(guó)農(nóng)村經(jīng)濟(jì);2012年02期

10 楊慧;賈利云;;銀行信貸的博弈論分析[J];咸寧學(xué)院學(xué)報(bào);2012年02期

相關(guān)碩士學(xué)位論文 前9條

1 杜朝宏;農(nóng)戶(hù)貸款風(fēng)險(xiǎn)及防控[D];陜西師范大學(xué);2015年

2 李哲;黑龍江省農(nóng)業(yè)銀行農(nóng)村小額信貸業(yè)務(wù)發(fā)展研究[D];東北農(nóng)業(yè)大學(xué);2014年

3 王華明;中國(guó)農(nóng)業(yè)銀行阜南縣支行農(nóng)戶(hù)貸款風(fēng)險(xiǎn)管理研究[D];安徽大學(xué);2014年

4 周雪嬌;黑龍江省農(nóng)業(yè)貸款問(wèn)題研究[D];吉林農(nóng)業(yè)大學(xué);2013年

5 繆迪;農(nóng)村商業(yè)銀行農(nóng)戶(hù)貸款違約風(fēng)險(xiǎn)研究[D];南京農(nóng)業(yè)大學(xué);2013年

6 謝錦華;農(nóng)戶(hù)貸款擔(dān)保影響因素研究[D];福建農(nóng)林大學(xué);2012年

7 趙博;農(nóng)戶(hù)信貸渠道選擇行為的證實(shí)研究[D];西南財(cái)經(jīng)大學(xué);2012年

8 郭艷艷;我國(guó)農(nóng)戶(hù)信貸擔(dān)保機(jī)制構(gòu)建研究[D];福建師范大學(xué);2010年

9 唐莉;中國(guó)農(nóng)業(yè)銀行農(nóng)戶(hù)小額貸款發(fā)展研究[D];西南財(cái)經(jīng)大學(xué);2010年

，

本文編號(hào)：2421518