本文選題：湖南省YZ銀行 + 小額貸款��； 參考：《湘潭大學(xué)》2014年碩士論文

【摘要】：農(nóng)村小額貸款是湖南省YZ銀行貸款業(yè)務(wù)的重要組成部分，為服務(wù)“三農(nóng)”提供了有力的資金支持，隨著湖南省整體經(jīng)濟(jì)實力的提升，目前農(nóng)村地區(qū)的資金供求缺口較大，加上農(nóng)信社小額貸款的壟斷、民間金融機(jī)構(gòu)繁多、風(fēng)險控制機(jī)制不完善等因素，湖南省YZ銀行面臨著激烈的競爭和阻礙。湖南省YZ銀行農(nóng)村小額貸款業(yè)務(wù)能否獲得持續(xù)發(fā)展的空間，采取穩(wěn)中求進(jìn)的戰(zhàn)略非常關(guān)鍵，即不斷完善業(yè)務(wù)結(jié)構(gòu)和完善風(fēng)險控制。本文將重點圍繞湖南省YZ銀行農(nóng)村小額貸款的風(fēng)險控制問題展開研究，為保證研究的針對性、科學(xué)性，本文根據(jù)自身工作經(jīng)歷與相關(guān)理論、數(shù)據(jù)對湖南省YZ銀行農(nóng)村小額貸款業(yè)務(wù)風(fēng)險控制的現(xiàn)狀、存在的問題展開分析，并提出優(yōu)化措施。 首先在農(nóng)村小額貸款風(fēng)險控制理論的分析中，把握小額貸款的特征與發(fā)展趨勢，從銀行角度分析風(fēng)險的表現(xiàn)形式，同時運(yùn)用博弈論分析農(nóng)村小額貸款的風(fēng)險控制機(jī)理，在此基礎(chǔ)上闡述了農(nóng)村小額貸款的風(fēng)險控制機(jī)制；其次立足于湖南省YZ銀行小額貸款的發(fā)展現(xiàn)狀，分析了湖南省YZ銀行農(nóng)村小額貸款業(yè)務(wù)面臨的主要風(fēng)險，從貸前風(fēng)險控制、貸中風(fēng)險控制及貸后風(fēng)險控制三個環(huán)節(jié)分析了農(nóng)村小額貸款的風(fēng)險控制現(xiàn)狀，，并從風(fēng)險識別、評估、農(nóng)戶信息采集及內(nèi)部管理四個方面揭示風(fēng)險控制的不足；最后根據(jù)優(yōu)化設(shè)計思想與原則，提出優(yōu)化農(nóng)戶生產(chǎn)信息采集機(jī)制識別自然風(fēng)險，業(yè)務(wù)受理過程中嚴(yán)格審查客戶信息識別客戶風(fēng)險，員工定期參加培訓(xùn)提高風(fēng)險意識，優(yōu)化農(nóng)戶信息審查與信用等級評估機(jī)制，優(yōu)化農(nóng)戶小額貸款流程與風(fēng)險控制機(jī)制四個方面的具體優(yōu)化措施，根據(jù)優(yōu)化重點從員工培訓(xùn)、網(wǎng)點與農(nóng)戶的溝通機(jī)制、風(fēng)險控制執(zhí)行力、權(quán)責(zé)體系、內(nèi)部激勵機(jī)制、誠信文化六個方面的優(yōu)化保障措施。
[Abstract]:Rural microfinance is an important part of the loan business of Hunan YZ Bank, which provides powerful financial support for serving the "three rural areas". With the upgrading of the overall economic strength of Hunan Province, the gap between the supply and demand of funds in rural areas is large at present. With the monopoly of micro-credit in rural credit cooperatives, various private financial institutions, imperfect risk control mechanism and other factors, Hunan YZ Bank is facing fierce competition and obstacles. Whether YZ Bank of Hunan Province can obtain the space of sustainable development of rural microfinance business, adopt the strategy of steady progress, that is, constantly improve the business structure and improve risk control. In order to ensure the pertinence and scientific nature of the study, this paper will focus on the risk control of rural small loans in YZ Bank of Hunan Province, according to its own work experience and relevant theories. The data analyzes the current situation and problems of risk control of rural micro-loan business in YZ Bank of Hunan Province, and puts forward some optimization measures. Firstly, in the analysis of risk control theory of rural small loans, we grasp the characteristics and development trend of small loans, analyze the forms of risk from the perspective of banks, and use game theory to analyze the risk control mechanism of small loans in rural areas. Based on the analysis of the risk control mechanism of rural micro-credit, the paper analyzes the main risks faced by YZ Bank of Hunan Province, and analyzes the risk control before lending, based on the current situation of the development of micro-credit in YZ Bank of Hunan Province, and analyzes the main risks faced by YZ Bank of Hunan Province in rural micro-loan business. Risk control and post-loan risk control in the loan analysis of the risk control status of small loans in rural areas, and from the risk identification, evaluation, information collection and internal management of farmers to reveal the lack of risk control; Finally, according to the idea and principle of optimization design, the paper puts forward to optimize farmers' production information collection mechanism to identify natural risks, strictly examine customer information to identify customer risks in the process of business acceptance, and staff regularly participate in training to raise risk awareness. Optimize the farmer information review and credit rating evaluation mechanism, optimize the farmer small loan flow and risk control mechanism of four aspects of specific optimization measures, according to the optimization focus from staff training, network and farmers communication mechanism, Risk control executive power, power and responsibility system, internal incentive mechanism, integrity culture of six aspects of the optimization of security measures.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.43

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