本文關(guān)鍵詞：葫蘆島郵儲(chǔ)分行蒜苗基地小額貸款項(xiàng)目風(fēng)險(xiǎn)管理研究　出處：《吉林大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：市場經(jīng)濟(jì)的成長涉及的范圍遍及所有交易場所，農(nóng)村地區(qū)市場經(jīng)濟(jì)的發(fā)展也在潛移默化，支持農(nóng)村市場經(jīng)濟(jì)發(fā)展的資金來源成為亟待解決的現(xiàn)實(shí)問題，小額貸款的推出讓農(nóng)村經(jīng)濟(jì)的發(fā)展看到了希望，也激發(fā)了從事農(nóng)業(yè)生產(chǎn)人員致力于農(nóng)業(yè)生產(chǎn)和發(fā)展的信心，承辦小額貸款的組織形式有小額貸款機(jī)構(gòu)、個(gè)人之間借貸形式、金融銀行下設(shè)的小額貸款業(yè)務(wù)，郵政儲(chǔ)蓄銀行是新起的銀行機(jī)構(gòu)，，是政府部門指定的從事支持農(nóng)業(yè)生產(chǎn)發(fā)展相關(guān)業(yè)務(wù)的大型銀行機(jī)構(gòu)，彌補(bǔ)了將金融機(jī)構(gòu)對(duì)農(nóng)業(yè)支持力度不足的現(xiàn)狀。 近年來，葫蘆島市各商業(yè)銀行相繼撤出農(nóng)村網(wǎng)點(diǎn)，農(nóng)村專項(xiàng)貸款難問題進(jìn)一步突出，為解決農(nóng)民貸款需求，郵政儲(chǔ)蓄銀行葫蘆島市分行特派考察組深入高橋農(nóng)村，與當(dāng)?shù)厮饷缁貜氖滤饷绶N植農(nóng)民零距離接觸，詳細(xì)詢問農(nóng)民需要，在市行領(lǐng)導(dǎo)的科研探討下，專門開立高橋蒜苗基地專項(xiàng)小額貸款。 本文以葫蘆島分行高橋蒜苗基地小額信貸項(xiàng)目作為研究對(duì)象，分析小額信貸項(xiàng)目風(fēng)險(xiǎn)的類型、成因，并對(duì)小額信貸項(xiàng)目風(fēng)險(xiǎn)進(jìn)行評(píng)估。在介紹了高橋蒜苗基地小額信貸的基本情況基礎(chǔ)上，指出目前葫蘆島分行小額信貸項(xiàng)目存在的風(fēng)險(xiǎn)報(bào)告自然風(fēng)險(xiǎn)、交易風(fēng)險(xiǎn)、信譽(yù)風(fēng)險(xiǎn)以及操作風(fēng)險(xiǎn)。而造成小額信貸風(fēng)險(xiǎn)中存在這些風(fēng)險(xiǎn)的原因主要有生產(chǎn)受氣候、季節(jié)影響大；農(nóng)戶投資跟風(fēng)性強(qiáng)市場敏感性不強(qiáng)；信用制度體系不完善；監(jiān)管機(jī)能不健全。分析了高橋蒜苗基地小額信貸項(xiàng)目風(fēng)險(xiǎn)的類型和成因之后，依據(jù)系統(tǒng)性原則、重要性原則、敏感性原則構(gòu)建了葫蘆島郵政銀行高橋蒜苗基地小額信貸項(xiàng)目風(fēng)險(xiǎn)評(píng)估指標(biāo)體系，通過主成分分析對(duì)小額信貸項(xiàng)目風(fēng)險(xiǎn)進(jìn)行了評(píng)估。最后從四個(gè)方面就降低小額信貸風(fēng)險(xiǎn)提出了政策建議：首先，提高對(duì)信用和操作風(fēng)險(xiǎn)的控制能力。郵政銀行葫蘆島市分行應(yīng)盡快制定與完善相關(guān)的規(guī)范制度來保障高橋蒜苗基地小額貸款農(nóng)戶的信用穩(wěn)定，專門制定高橋蒜苗基地小額專項(xiàng)貸款領(lǐng)域的法律法規(guī)，合理的運(yùn)用風(fēng)險(xiǎn)評(píng)估體系增強(qiáng)了郵政銀行葫蘆島門店的信譽(yù)風(fēng)險(xiǎn)監(jiān)管方面的實(shí)力。操作風(fēng)險(xiǎn)在高橋蒜苗基地小額專項(xiàng)農(nóng)戶貸款風(fēng)險(xiǎn)管理中，貫穿貸前、貸中、貸后整個(gè)過程，涉及到郵政銀行葫蘆島市分行經(jīng)辦此筆貸款的每一個(gè)人；其次，健全監(jiān)管機(jī)制。明確郵政銀行葫蘆島市分行小額貸款的金融機(jī)構(gòu)的屬性，出臺(tái)對(duì)高橋蒜苗基地小額專項(xiàng)貸款監(jiān)管的相關(guān)管理規(guī)范，操作流程。郵政銀行葫蘆島市分行設(shè)定小額專項(xiàng)貸款的監(jiān)管部門；再次，建立完善信用評(píng)級(jí)制度，建立專業(yè)的信用評(píng)級(jí)體系。引入第三方評(píng)級(jí)機(jī)構(gòu)；最后，加強(qiáng)小額信貸業(yè)務(wù)和經(jīng)營管理的創(chuàng)新。嚴(yán)格執(zhí)行信貸政策，切實(shí)加強(qiáng)信貸精細(xì)化管理。加強(qiáng)業(yè)務(wù)創(chuàng)新，建立動(dòng)態(tài)激勵(lì)機(jī)制，大力發(fā)展零售業(yè)務(wù)。加強(qiáng)多方合作，提高金融產(chǎn)業(yè)部門之間的關(guān)聯(lián)作用，完善小額專項(xiàng)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(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F272.3;F832.43

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