本文關鍵詞： 小額貸款 風險控制 農(nóng)村商業(yè)銀行　出處：《仲愷農(nóng)業(yè)工程學院》2014年碩士論文　論文類型：學位論文

【摘要】：小額貸款從20世紀70年代引入我國，用來幫助農(nóng)村貧困人口通過貸款方式實現(xiàn)自主創(chuàng)業(yè)，對于改善貧困人口的生活現(xiàn)狀，促進農(nóng)村經(jīng)濟的發(fā)展有著巨大的積極作用。小額貸款可以說是金融機構的創(chuàng)新舉措，主要針對貧困人口所提供的一項金融服務，具有貸款金額少、周期短、利率較低等特點，現(xiàn)在大多數(shù)農(nóng)村商業(yè)銀行都開辦了小額貸款業(yè)務，旨在幫助農(nóng)村貧困人口共同走向致富之路。但是由于農(nóng)村地區(qū)信用環(huán)境較差，農(nóng)民信用程度普遍較低等問題的存在，使農(nóng)村商業(yè)銀行在小額貸款過程中容易遭遇到各種風險，這在很大程度上阻礙了農(nóng)村商業(yè)銀行小額貸款業(yè)務的發(fā)展，因此有必要針對這個問題進行專題研究，促進農(nóng)村商業(yè)銀行小額貸款的健康持續(xù)發(fā)展。 本文即圍繞農(nóng)村商業(yè)銀行的小額貸款業(yè)務展開研究，以河源農(nóng)村商業(yè)銀行小額信貸的個案為例，綜合運用定量分析和定性分析等方法，分析和預測小額信貸中所存在的各種風險，進而提出應對策略。本文首先綜合介紹國內(nèi)外關于小額信貸以及風險控制方面的研究成果，并且具體闡述了小額信貸的相關理論知識，然后分析了我國農(nóng)村商業(yè)銀行的發(fā)展現(xiàn)狀，并結合河源農(nóng)村商業(yè)銀行的小額信貸為案例進行深入探討和分析，運用系統(tǒng)分析、實證分析等方法綜合分析農(nóng)商行在小額信貸過程中可能遇到的風險，通過系統(tǒng)的風險識別和評估，結合實際情況提出有針對性的應對策略。由于小額貸款的特殊性和農(nóng)村商業(yè)銀行的管理水平限制，在應對小額信貸風險時，，應聯(lián)合政府和金融監(jiān)管部門，加強外部監(jiān)控的力度，強化內(nèi)部控制機制，實現(xiàn)從內(nèi)到外的控制體系，同時還應從金融政策和法律法規(guī)方面輔助農(nóng)村商業(yè)銀行抵御信貸風險，達到全面增強農(nóng)村商業(yè)銀行小額信貸風險控制力度。
[Abstract]:Microfinance was introduced into our country in 1970s to help the rural poor to start their own businesses by means of loans, and to improve the living conditions of the poor. To promote the development of rural economy has a huge positive role. Microfinance can be said to be an innovative measure of financial institutions, mainly for the poor to provide a financial service, with a small amount of loans, short cycle. Interest rates are low, most of the rural commercial banks have started microfinance business, aimed at helping the rural poor to get rich together, but due to the poor credit environment in rural areas. The existence of problems such as the low credit degree of farmers makes the rural commercial banks easy to encounter various risks in the process of small loans, which to a large extent hinders the development of the small loans business of the rural commercial banks. Therefore, it is necessary to carry out special research to promote the healthy and sustainable development of small loans in rural commercial banks. This paper focuses on the rural commercial bank microfinance business research, taking the case of Heyuan rural commercial bank microfinance as an example, comprehensive use of quantitative analysis and qualitative analysis methods. Analysis and forecast of the risks in microfinance, and then put forward countermeasures. Firstly, this paper introduces the domestic and foreign research results on microfinance and risk control. And elaborated the microfinance related theory knowledge, then analyzed our country countryside commercial bank's development present situation, and unifies the Heyuan countryside commercial bank's microfinance as the case to carry on the thorough discussion and the analysis. Using system analysis, empirical analysis and other methods of comprehensive analysis of agricultural banks in the process of microfinance risks, through systematic risk identification and evaluation. According to the actual situation put forward targeted countermeasures. Because of the particularity of small loans and the management level of rural commercial banks restrictions should be coalition government and financial supervision department when dealing with microfinance risks. Strengthen the external monitoring, strengthen the internal control mechanism, realize the control system from the inside to the outside. At the same time, we should assist the rural commercial banks to resist the credit risk from the aspects of financial policy and laws and regulations. To achieve a comprehensive strengthening of rural commercial banks micro-credit risk control.
【學位授予單位】：仲愷農(nóng)業(yè)工程學院
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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