本文關(guān)鍵詞： 農(nóng)村小額信貸 農(nóng)業(yè)銀行 SWOT 農(nóng)村金融　出處：《太原理工大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：想要解決好“三農(nóng)”問(wèn)題，就必須解決好農(nóng)業(yè)資金使用問(wèn)題，而農(nóng)村金融機(jī)構(gòu)開(kāi)展的小額信貸正好符合我國(guó)這一國(guó)情。農(nóng)村小額信貸巨大的功效，農(nóng)民對(duì)小額信貸高度的認(rèn)同，其意義的重大是有目共睹。它解決了占人口比例相當(dāng)大的農(nóng)民的生活、生產(chǎn)急需的資金問(wèn)題，成為了有效解決廣大農(nóng)民貸款難與農(nóng)村經(jīng)濟(jì)資金發(fā)展困難的一項(xiàng)尤為重要的措施，受到廣大農(nóng)民群眾的熱烈歡迎。目前，雖然我國(guó)農(nóng)村很多金融機(jī)構(gòu)都開(kāi)展了小額信貸業(yè)務(wù)，但由于信用機(jī)制的缺失及其小額信貸成本高，風(fēng)險(xiǎn)大等本身的特點(diǎn)，農(nóng)民貸款難的問(wèn)題仍沒(méi)有從根本上得到解決。中國(guó)農(nóng)業(yè)銀行作為農(nóng)村金融市場(chǎng)中的重要力量，在農(nóng)村小額信貸的運(yùn)作與管理方面也還存在著一些問(wèn)題。在此背景下，有必要對(duì)其農(nóng)村小額信貸運(yùn)作方面做些研究，以利于其農(nóng)村小額信貸的持續(xù)良好發(fā)展。 服務(wù)城鄉(xiāng)是中國(guó)農(nóng)業(yè)銀行一直履行的使命，也是農(nóng)行業(yè)務(wù)的一個(gè)重點(diǎn)。對(duì)于農(nóng)村小額信貸業(yè)務(wù)來(lái)說(shuō)，由于農(nóng)戶(hù)的受教育程度參差不齊，行為的隨意性強(qiáng)，風(fēng)險(xiǎn)承受能力弱，收入受自然條件影響大，因此很容易形成不良和呆賬，交易成本相對(duì)較高，很多金融機(jī)構(gòu)進(jìn)入農(nóng)村金融市場(chǎng)的意愿降低，農(nóng)行山西分行現(xiàn)有的農(nóng)村小額信貸業(yè)務(wù)還存在一定的缺陷，這就要求不斷改善貸款的評(píng)估制度及流程，并制定出一套完善的營(yíng)銷(xiāo)模式來(lái)實(shí)現(xiàn)利潤(rùn)的最大化，本文的研究意義在于如果能夠在控制風(fēng)險(xiǎn)的前提下得到穩(wěn)定的利潤(rùn)，不僅對(duì)農(nóng)業(yè)銀行山西分行自身有益，而且能夠吸引更多金融機(jī)構(gòu)更多的資金投放到農(nóng)村，使目前并不樂(lè)觀的農(nóng)村經(jīng)濟(jì)形勢(shì)得以扭轉(zhuǎn)。 本文在闡述農(nóng)村小額信貸相關(guān)概念、理論的基礎(chǔ)上，結(jié)合當(dāng)前農(nóng)行山西分行發(fā)展農(nóng)村小額信貸的現(xiàn)狀，并運(yùn)用SWOT分析，把握農(nóng)行山西分行發(fā)展農(nóng)村小額信貸業(yè)務(wù)的優(yōu)勢(shì)、劣勢(shì)、機(jī)會(huì)、威脅，進(jìn)一步提出了農(nóng)行山西分行發(fā)展農(nóng)村小額信貸的對(duì)策建議。本論文的研究?jī)?nèi)容主要分為以下幾個(gè)部分：第一章緒論。主要介紹論文的選題背景、研究目的、意義，國(guó)內(nèi)外相關(guān)研究綜述，闡述了本文研究的內(nèi)容、方法與創(chuàng)新點(diǎn)。第二章農(nóng)村小額信貸的相關(guān)理論概述。對(duì)農(nóng)村小額信貸的相關(guān)概念、理論基礎(chǔ)等進(jìn)程了總結(jié)梳理，為后衛(wèi)分析奠定理論基礎(chǔ)。第三章農(nóng)行山西分行發(fā)展農(nóng)村小額信貸的現(xiàn)狀。結(jié)合當(dāng)前我國(guó)農(nóng)村小額信貸業(yè)務(wù)的概況及宏觀發(fā)展環(huán)境，介紹了農(nóng)業(yè)銀行山西分行農(nóng)村小額信貸業(yè)務(wù)流程、發(fā)展現(xiàn)狀等。第四章農(nóng)行山西分行發(fā)展農(nóng)村小額信貸業(yè)務(wù)的SWOT分析，把握其存在的主要問(wèn)題和不足。第五章農(nóng)行山西分行發(fā)展農(nóng)村小額信貸的對(duì)策建議。對(duì)農(nóng)行山西分行小額信貸進(jìn)行了業(yè)務(wù)創(chuàng)新和發(fā)展模式的構(gòu)想，最后給出了該行農(nóng)村小額信貸業(yè)務(wù)發(fā)展模式的對(duì)策和建議。第六章結(jié)論與展望。總結(jié)了本文的研究?jī)?nèi)容和成果，提出本文研究的不足之處以及未來(lái)研究的發(fā)展方向。 本文的創(chuàng)新點(diǎn)：小額信貸具有的較好的經(jīng)濟(jì)效益與社會(huì)效益，，為扶貧還有農(nóng)村經(jīng)濟(jì)的持續(xù)發(fā)展有著有力的支持，同時(shí)也為農(nóng)村金融發(fā)展帶來(lái)了一個(gè)更新的思維方式。在激烈的競(jìng)爭(zhēng)中，農(nóng)行山西分行的農(nóng)村小額信貸業(yè)務(wù)要想得以發(fā)展，從競(jìng)爭(zhēng)者中脫穎而出，就必須進(jìn)行合理的改進(jìn)。針對(duì)農(nóng)行山西分行發(fā)展農(nóng)村小額信貸業(yè)務(wù)過(guò)程中存在的諸多問(wèn)題，本文從五大方面給出了相應(yīng)的對(duì)策建議。
[Abstract]:To solve the problems, we must solve the problem of the use of funds in agriculture, rural financial institutions, microfinance is in line with this situation in our country. The efficacy of rural microfinance is huge, farmers microfinance highly recognized, its significance is obvious. It solves the population of peasants a large proportion of the life, the production of much-needed funds, has become an important measure to effectively solve the majority of loans to farmers and rural economic development funds difficult, warmly welcome the broad masses of peasants. At present, although China's rural financial institutions have carried out a lot of microfinance business, but due to the lack of credit mechanism the micro credit and high cost, high risk characteristics of itself, the problem of farmers loan is still not fundamentally solved. China Agricultural Bank as the rural financial market There are still some problems in the operation and management of rural microfinance. In this context, it is necessary to do some research on the operation of rural microfinance, which is conducive to the continuous and healthy development of rural microfinance.
Services in urban and rural areas is the Agricultural Bank of China has been fulfilling the mission, but also a focus of the bank business. For the rural microfinance business, because the level of education of farmers is uneven, the random behavior of strong, weak ability to bear risk, income is affected by natural conditions, so it is easy to form a bad and bad debts, the relatively high transaction costs and many financial institutions into the rural financial market will reduce, Agricultural Bank of China Shanxi branch of the existing rural microfinance business there are still some defects, which requires continuous improvement of systems and processes to assess, and set up a set of perfect marketing mode to maximize profits, the significance of this study is that if you can get stable the profit under the premise of risk control, not only for the Shanxi branch of the agricultural bank own interest, and will attract more funds of financial institutions In rural areas, the rural economic situation, which is currently not optimistic, has been reversed.
This paper focuses on the analysis of rural microfinance related concepts, theoretical basis, combining with the current situation of Agricultural Bank of China Shanxi branch of the development of rural microfinance, and the use of SWOT analysis, grasp the development of rural micro credit business of Agricultural Bank of China Shanxi branch of the advantages, disadvantages, opportunities and threats, and puts forward some countermeasures and suggestions of Agricultural Bank of China Shanxi branch of rural microfinance in one step. The main contents of the dissertation is divided into the following parts: the first chapter is introduction. It mainly introduces the research background, research purpose, significance, domestic and foreign related research, elaborated the research content, methods and innovation. The second chapter an overview of relevant theories of rural microfinance. The concept of rural microfinance the theoretical basis of the process of summing up, to lay the theoretical foundation for the analysis. The third chapter - Shanxi branch of Agricultural Bank of China rural microfinance. Combined with the current I General situation of rural micro credit business in China and the macro environment for the development, the Shanxi branch of the Agricultural Bank rural microfinance business development status. The fourth chapter analyzes the agricultural development of rural micro credit business of Shanxi branch of SWOT, grasp the main problems and shortcomings. The fifth chapter is Countermeasures of Agricultural Bank of China Shanxi branch of rural microfinance. Shanxi branch of Agricultural Bank of China microfinance was the concept of business innovation and development mode, finally the rural microfinance business development countermeasures and suggestions are given. The sixth chapter is conclusion and prospect. This paper summarizes the research contents and results, points out the inadequacies of this study and future research directions.
The innovation of this paper: microfinance has good economic and social benefits, for the sustainable development of poverty alleviation and the rural economy has a strong support, but also brought a new mode of thinking for the development of rural finance. In the fierce competition, the rural microfinance business of Agricultural Bank of China Shanxi branch to be the development of talent shows itself from competitors, must carry on the reasonable improvement. Aiming at the problems existing in Agricultural Bank of China Shanxi branch of the development of rural micro credit business process, this paper gives the corresponding countermeasures and suggestions from five aspects.

【學(xué)位授予單位】：太原理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 張敏;;我國(guó)農(nóng)村小額信貸存在的問(wèn)題及對(duì)策[J];重慶科技學(xué)院學(xué)報(bào)(社會(huì)科學(xué)版);2011年05期

2 郭繼輝;馮剛;;貴州農(nóng)業(yè)銀行農(nóng)村小額信貸的現(xiàn)狀、問(wèn)題及對(duì)策[J];當(dāng)代經(jīng)濟(jì);2009年16期

3 馬利群;;我國(guó)農(nóng)村小額信貸機(jī)構(gòu)存在的問(wèn)題和措施建議[J];改革與開(kāi)放;2013年02期

4 連現(xiàn)海;;關(guān)于對(duì)小額信貸可持續(xù)發(fā)展的研究[J];經(jīng)濟(jì)研究導(dǎo)刊;2010年18期

5 李娟;;中國(guó)農(nóng)村小額信貸微觀效率現(xiàn)狀分析[J];經(jīng)濟(jì)研究導(dǎo)刊;2010年22期

6 張海峰;;ICICI銀行農(nóng)村業(yè)務(wù)的商業(yè)模式演進(jìn)[J];農(nóng)村金融研究;2009年03期

7 陳巖;;關(guān)于開(kāi)展農(nóng)村小額信貸業(yè)務(wù)的風(fēng)險(xiǎn)分析和對(duì)策[J];農(nóng)業(yè)網(wǎng)絡(luò)信息;2012年10期

8 郝通;;農(nóng)村小額信貸問(wèn)題研究綜述[J];山西農(nóng)業(yè)大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2012年07期

9 聶強(qiáng);;小額信貸的償還機(jī)制:一個(gè)理論述評(píng)[J];中國(guó)農(nóng)村觀察;2010年01期

10 李萬(wàn);;關(guān)于中國(guó)郵政儲(chǔ)蓄銀行農(nóng)村小額信貸的現(xiàn)狀和展望[J];現(xiàn)代經(jīng)濟(jì)信息;2012年23期

相關(guān)博士學(xué)位論文 前1條

1 李林;中國(guó)農(nóng)村小額信貸機(jī)構(gòu)貸款定價(jià)研究[D];西北農(nóng)林科技大學(xué);2011年

本文編號(hào)：1488542