本文關鍵詞：葫蘆島郵儲分行蒜苗基地小額貸款項目風險管理研究　出處：《吉林大學》2014年碩士論文　論文類型：學位論文

  更多相關文章： 小額貸款 風險管理 風險評估 風險防范

【摘要】：市場經濟的成長涉及的范圍遍及所有交易場所，農村地區(qū)市場經濟的發(fā)展也在潛移默化，支持農村市場經濟發(fā)展的資金來源成為亟待解決的現實問題，小額貸款的推出讓農村經濟的發(fā)展看到了希望，也激發(fā)了從事農業(yè)生產人員致力于農業(yè)生產和發(fā)展的信心，承辦小額貸款的組織形式有小額貸款機構、個人之間借貸形式、金融銀行下設的小額貸款業(yè)務，郵政儲蓄銀行是新起的銀行機構，，是政府部門指定的從事支持農業(yè)生產發(fā)展相關業(yè)務的大型銀行機構，彌補了將金融機構對農業(yè)支持力度不足的現狀。 近年來，葫蘆島市各商業(yè)銀行相繼撤出農村網點，農村專項貸款難問題進一步突出，為解決農民貸款需求，郵政儲蓄銀行葫蘆島市分行特派考察組深入高橋農村，與當地蒜苗基地從事蒜苗種植農民零距離接觸，詳細詢問農民需要，在市行領導的科研探討下，專門開立高橋蒜苗基地專項小額貸款。 本文以葫蘆島分行高橋蒜苗基地小額信貸項目作為研究對象，分析小額信貸項目風險的類型、成因，并對小額信貸項目風險進行評估。在介紹了高橋蒜苗基地小額信貸的基本情況基礎上，指出目前葫蘆島分行小額信貸項目存在的風險報告自然風險、交易風險、信譽風險以及操作風險。而造成小額信貸風險中存在這些風險的原因主要有生產受氣候、季節(jié)影響大；農戶投資跟風性強市場敏感性不強；信用制度體系不完善；監(jiān)管機能不健全。分析了高橋蒜苗基地小額信貸項目風險的類型和成因之后，依據系統(tǒng)性原則、重要性原則、敏感性原則構建了葫蘆島郵政銀行高橋蒜苗基地小額信貸項目風險評估指標體系，通過主成分分析對小額信貸項目風險進行了評估。最后從四個方面就降低小額信貸風險提出了政策建議：首先，提高對信用和操作風險的控制能力。郵政銀行葫蘆島市分行應盡快制定與完善相關的規(guī)范制度來保障高橋蒜苗基地小額貸款農戶的信用穩(wěn)定，專門制定高橋蒜苗基地小額專項貸款領域的法律法規(guī)，合理的運用風險評估體系增強了郵政銀行葫蘆島門店的信譽風險監(jiān)管方面的實力。操作風險在高橋蒜苗基地小額專項農戶貸款風險管理中，貫穿貸前、貸中、貸后整個過程，涉及到郵政銀行葫蘆島市分行經辦此筆貸款的每一個人；其次，健全監(jiān)管機制。明確郵政銀行葫蘆島市分行小額貸款的金融機構的屬性，出臺對高橋蒜苗基地小額專項貸款監(jiān)管的相關管理規(guī)范，操作流程。郵政銀行葫蘆島市分行設定小額專項貸款的監(jiān)管部門；再次，建立完善信用評級制度，建立專業(yè)的信用評級體系。引入第三方評級機構；最后，加強小額信貸業(yè)務和經營管理的創(chuàng)新。嚴格執(zhí)行信貸政策，切實加強信貸精細化管理。加強業(yè)務創(chuàng)新，建立動態(tài)激勵機制，大力發(fā)展零售業(yè)務。加強多方合作，提高金融產業(yè)部門之間的關聯作用，完善小額專項貸款的發(fā)放環(huán)境。
[Abstract]:The scope of the development of the market economy to all trading venues, the development of market economy in the rural area also imperceptibly, support the development of rural market economy has become the source of funds needed to resolve the problem, small loans to allow the introduction of the development of the rural economy see hope, also inspired and engaged in agricultural production staff is committed to the production and development of agriculture confidence, undertake microfinance organization in the form of microfinance institutions, lending between individuals, financial bank under the small loan business, the postal savings bank banking institutions are new, large banking institutions designated by government departments in support of the development of agricultural production related businesses, financial institutions will make up for the current situation of insufficient agricultural support.
In recent years, Huludao city commercial banks have withdrawn from the rural network, rural special loan difficult problem more outstanding, to solve the farmers' demand for loans, the postal savings bank branch in Huludao City special investigation group in-depth Takahashi countryside, with local agricultural planting base in garlic fry garlic bolt people zero distance contact, asked in detail about the farmers need to explore, in the leadership of the city scientific research, dedicated to open special loan. Takahashi garlic bolt base
In this paper, Huludao branch Gaoqiao microfinance project base garlic bolt as the research object, the analysis of micro credit project risk types, causes, and the micro credit risk in project evaluation. This paper introduces the basic situation of microfinance on the base of garlic bolt Takahashi, the report pointed out that the risk of natural risk, present Huludao branch of microfinance project transaction risk, credit risk and operational risk. These risks and causes of micro credit risk in the main production affected by climate, seasonal changes; the investment of rural households follow the trend of strong market sensitivity is not strong; credit system is not perfect; the supervision function is not perfect. After analyzing the types and causes of high base micro credit project risk of Garlic Bolt Based on the importance, principle of system, principle, principle of constructing sensitivity of Huludao post bank micro credit base Takahashi garlic bolt Project risk assessment index system, using principal component analysis of micro credit project risk were evaluated. Finally, from the four aspects of reducing the risk of microfinance policy recommendations: first, improve the ability to control the credit and operational risk. The Bank branch in Huludao city should establish and perfect the regulations related to protect the Takahashi garlic bolt base small loans to farmers credit stability as soon as possible, special laws and regulations formulated base of small loans Takahashi garlic bolt field, reasonable use of risk assessment system to enhance the reputation of risk supervision of Huludao post bank stores the strength. The operation risk in the base of small loans to farmers Takahashi garlic bolt special risk management, through pre loan, loan, loan after the whole process, involving the Postal Bank branch in Huludao City, each person handling the loan; secondly, perfect the supervision mechanism of Ming Dynasty. Is the postal property of Huludao branch of Bank of small loans of financial institutions, the introduction of relevant management regulations, on the base of small loans Takahashi garlic bolt supervision procedure. The Postal Bank branch in Huludao City, set up supervision department small special loans; again, establish and improve the credit rating system, establish the credit rating system of professional introduction of third party rating agencies. Finally, strengthen the innovation of microfinance; business and management. The strict implementation of the credit policy, strengthen credit management fine. Strengthen business innovation, establish a dynamic incentive mechanism, the retail business of large development. To strengthen cooperation, improve the relationship between financial sectors, improve the micro special lending environment.

【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F272.3;F832.43

【參考文獻】

相關期刊論文 前10條

1 王利軍;;轉型背景下的農戶聯保貸款制度研究[J];安徽大學學報(哲學社會科學版);2011年05期

2 晁志斌;;縣域郵政儲蓄銀行信貸業(yè)務發(fā)展的調查研究[J];銀行家;2008年08期

3 熊德平;農村小額信貸:模式、經驗與啟示[J];財經理論與實踐;2005年02期

4 李國爐;袁閩川;;小額貸款支持“三農”的調查分析——以中國郵政儲蓄銀行福建省分行為例[J];福建金融;2009年11期

5 ;通州市家紡業(yè)可獲郵政銀行小額貸款[J];中國紡織;2008年12期

6 杜曉山;中國農村小額信貸的實踐嘗試[J];現代經濟探討;2004年02期

7 王雙正;我國農村小額信貸問題研討述評[J];現代經濟探討;2005年11期

8 吳國寶,李興平;小額信貸對中國扶貧與發(fā)展的貢獻[J];金融與經濟;2003年11期

9 馬玉立;陳律威;;農村金融市場展望[J];中國集體經濟(下半月);2007年04期

10 戶艷輝,趙達薇;關于實現小額信貸可持續(xù)發(fā)展的思考[J];科技與管理;2003年03期

本文編號：1423989