發(fā)布時間：2018-05-01 05:27

  本文選題：農(nóng)戶貸款 + 服務(wù)三農(nóng)��； 參考：《山東理工大學(xué)》2017年碩士論文

【摘要】：重農(nóng)固本,是安民之基�！笆濉逼陂g,中央堅持把“三農(nóng)”作為全黨工作重中之重,不斷完善強(qiáng)農(nóng)惠農(nóng)富農(nóng)政策體系,“三農(nóng)”工作取得顯著成績,是我國農(nóng)業(yè)農(nóng)村發(fā)展的有一個黃金期。與此同時各大銀行也緊跟國家三農(nóng)步伐,加快了三農(nóng)金融業(yè)務(wù)政策指引的出臺與實(shí)踐。中國農(nóng)業(yè)銀行作為服務(wù)“三農(nóng)”的國有商業(yè)銀行,在三農(nóng)金融領(lǐng)域一直發(fā)揮著重要的助力作用,不管是在創(chuàng)新三農(nóng)金融業(yè)務(wù)方面,還是在加強(qiáng)三農(nóng)信貸風(fēng)險防控方面的豐碩成果都會為解決“三農(nóng)”問題貢獻(xiàn)力量。服務(wù)“三農(nóng)”是中國農(nóng)業(yè)銀行的歷史使命和責(zé)任,也是該行服務(wù)“三農(nóng)”的必然選擇和客觀要求。但是要特別注意的是,伴隨著銀行個人貸款業(yè)務(wù)的快速發(fā)展,房貸、商業(yè)貸款、農(nóng)戶小額貸款都不同程度的有所提高,其潛在的信用風(fēng)險、市場風(fēng)險、操作風(fēng)險、政策風(fēng)險等也不同程度的暴露出來,其中“三農(nóng)”業(yè)務(wù)的特殊性,包括三農(nóng)客戶本身的特點(diǎn)、客戶從事的行業(yè)特點(diǎn)、提供擔(dān)保方式的難度等決定了提供三農(nóng)貸款服務(wù)的難度系數(shù)大,風(fēng)險性高等特點(diǎn),如何有效進(jìn)行農(nóng)戶貸款風(fēng)險評價及防控,是改善農(nóng)戶貸款可獲得性,發(fā)展農(nóng)村經(jīng)濟(jì)的基礎(chǔ),是服務(wù)好“三農(nóng)”必須研究的重要課題。本文共分四個部分對HT縣農(nóng)行農(nóng)戶貸款風(fēng)險防控進(jìn)行研究,首先了解了國內(nèi)外相關(guān)的理論研究成果,然后結(jié)合目前HT縣農(nóng)行農(nóng)戶貸款發(fā)展現(xiàn)狀和內(nèi)部人員結(jié)構(gòu)特點(diǎn),所表現(xiàn)出來的農(nóng)戶貸款風(fēng)險防控現(xiàn)狀,來分析農(nóng)戶貸款存在的潛在風(fēng)險,其次調(diào)查研究了實(shí)際工作中應(yīng)用的農(nóng)戶貸款風(fēng)險評價體系存在的問題,諸如指標(biāo)權(quán)重占比不到位、指標(biāo)重復(fù)、指標(biāo)不完整、執(zhí)行不到位等,有針對性地構(gòu)建了一套指標(biāo)維度更細(xì)化、權(quán)重維度更合理的風(fēng)險評估體系,再者為創(chuàng)新完善農(nóng)戶貸款風(fēng)險防控的內(nèi)部防控措施提出合理化建議,包括農(nóng)戶貸款整個過程的創(chuàng)新防控,以及貸款環(huán)節(jié)的操作人員、貸款業(yè)務(wù)、客戶、體制機(jī)制等要素的創(chuàng)新防控,以一條較強(qiáng)的邏輯線貫穿農(nóng)戶貸款風(fēng)險防控,以期對HT縣農(nóng)行管理當(dāng)局提供參考。
[Abstract]:It is the foundation of the people to lay stress on the peasants and the people. During the 12th Five-Year Plan period, the Central Committee insisted on the "three rural areas" as the top priority of the whole party's work, and constantly improved the policy system of strengthening agriculture, farmers and rich peasants. The work of "agriculture, rural areas and farmers" has made remarkable achievements, which is a golden period for the development of agricultural rural areas in China. At the same time, the major banks follow the steps of agriculture, rural areas and farmers and quicken the issuance and practice of the three rural financial policy guidelines. Agricultural Bank of China, as a state-owned commercial bank serving agriculture, rural areas and farmers, has been playing an important role in the financial field of agriculture, rural areas and farmers, whether in innovating the financial business of agriculture, rural areas and farmers. The fruitful results in strengthening the prevention and control of credit risk of agriculture, rural areas and farmers will contribute to solving the problem of agriculture, rural areas and farmers. Serving agriculture, rural areas and farmers is the historical mission and responsibility of the Agricultural Bank of China, and it is also the inevitable choice and objective requirement for the Bank to serve the "three rural areas". However, we should pay special attention to the fact that, with the rapid development of the bank's personal loan business, housing loans, commercial loans, and farmers' small loans have all increased to some extent, with their potential credit risks, market risks, and operational risks. Policy risks are also exposed to varying degrees. Among them, the particularity of the "three rural areas" business, including the characteristics of the customers themselves, the characteristics of the industries engaged in by the customers, The difficulty of providing guarantee means determines the characteristics of the difficulty coefficient and high risk of providing loan service for agriculture, rural areas and farmers. How to effectively evaluate and control the risk of farmers' loans is the basis of improving the availability of loans for farmers and developing rural economy. It is an important subject that must be studied to serve well the "three rural areas". This article divides four parts altogether carries on the research to the HT county agricultural bank farmer loan risk prevention and control, first has understood the domestic and foreign correlation theory research result, then unifies the present HT county agricultural bank farmer loan development present situation and the internal personnel structure characteristic. The present situation of farmers' loan risk prevention and control is presented to analyze the potential risks of farmers' loans. Secondly, the problems of farmer loan risk evaluation system used in practical work are investigated and studied, such as the proportion of index weight is not in place. The index is repeated, the index is incomplete, the execution is not in place and so on. A set of risk assessment system with more detailed index dimension and more reasonable weight dimension is constructed. Furthermore, it puts forward some reasonable suggestions for innovating and perfecting the internal prevention and control measures of farmers' loan risk prevention and control, including the innovative prevention and control of the whole process of farmers' loans, as well as the operators of the loan links, loan business, customers, The innovation prevention and control of institutional mechanism and other elements, with a strong logic line through farmers loan risk prevention and control, in order to provide a reference for the management authorities of the Agricultural Bank of HT County.
【學(xué)位授予單位】：山東理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.43

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本文編號：1827949