發(fā)布時(shí)間：2018-05-17 08:11

  本文選題：農(nóng)行L縣支行 + 農(nóng)戶貸款　； 參考：《遼寧大學(xué)》2017年碩士論文

【摘要】：不斷發(fā)展的農(nóng)村經(jīng)濟(jì)必然少不了足夠的資金支持,然而目前在我國(guó)農(nóng)村地區(qū)發(fā)展過(guò)程中卻存在著資金缺口,特別是對(duì)于農(nóng)戶以及中小微企業(yè)來(lái)說(shuō),資金不足的現(xiàn)象普遍存在。在農(nóng)業(yè)銀行進(jìn)行商業(yè)化改革的過(guò)程中,為了節(jié)約成本以及集中優(yōu)勢(shì),村鎮(zhèn)地區(qū)的物理網(wǎng)點(diǎn)數(shù)量正在大規(guī)模減少。然而大型商業(yè)銀行并沒(méi)有把重心投入到農(nóng)戶貸款業(yè)務(wù)上,另外,很多商業(yè)銀行并沒(méi)有具體結(jié)合農(nóng)戶需求推出農(nóng)戶貸款相關(guān)產(chǎn)品,造成了農(nóng)戶對(duì)于資金的需求并不能得到有效滿足。為了更好的發(fā)展農(nóng)村金融,必然需要肩負(fù)服務(wù)農(nóng)戶為重任的農(nóng)業(yè)銀行提供層次更高的金融服務(wù),必然要不斷豐富農(nóng)戶貸款相關(guān)產(chǎn)品、提高對(duì)農(nóng)戶的服務(wù)意識(shí),這樣才能夠使農(nóng)村經(jīng)濟(jì)得到更好的發(fā)展。本文以農(nóng)業(yè)銀行L縣支行為分析對(duì)象,自從農(nóng)行L縣支行推出農(nóng)戶貸款業(yè)務(wù)以來(lái),有效扶持了當(dāng)?shù)剞r(nóng)戶和中小微企業(yè)的生產(chǎn)發(fā)展。然而在發(fā)展過(guò)程中也存在著一些問(wèn)題,為了更好地扶持縣域農(nóng)村經(jīng)濟(jì),農(nóng)業(yè)銀行L縣支行需要對(duì)縣域地區(qū)進(jìn)行深入調(diào)研,大力推出有針對(duì)性的農(nóng)戶貸款相關(guān)產(chǎn)品。本文通過(guò)對(duì)該支行農(nóng)戶貸款業(yè)務(wù)相關(guān)資料進(jìn)行收集,了解農(nóng)行發(fā)放農(nóng)戶貸款的具體情況,從而對(duì)L縣支行農(nóng)戶貸款業(yè)務(wù)發(fā)展現(xiàn)狀進(jìn)行具體分析,并像當(dāng)?shù)匾约捌渌貐^(qū)農(nóng)商行、村鎮(zhèn)銀行在三農(nóng)業(yè)務(wù)上取得的優(yōu)秀成果進(jìn)行學(xué)習(xí)借鑒,為農(nóng)業(yè)銀行L縣支行農(nóng)戶貸款業(yè)務(wù)發(fā)展給出有效方案,從而達(dá)到農(nóng)業(yè)銀行L縣支行惠農(nóng)的主要目標(biāo)。本文包括五個(gè)部分:第一部分是緒論,主要介紹了研究背景、目的及意義、創(chuàng)新與不足。第二部分是農(nóng)業(yè)銀行L縣支行及農(nóng)戶貸款業(yè)務(wù)簡(jiǎn)介,主要介紹了農(nóng)業(yè)銀行L縣支行總體情況、農(nóng)業(yè)銀行L縣支行業(yè)務(wù)特色、農(nóng)業(yè)銀行L縣支行農(nóng)戶貸款業(yè)務(wù)種類(lèi),包括農(nóng)戶貸款對(duì)公產(chǎn)品和個(gè)人產(chǎn)品。第三部分是分析農(nóng)業(yè)銀行L縣支行農(nóng)戶貸款的主要業(yè)務(wù)、農(nóng)戶貸款的擔(dān)保方式、農(nóng)業(yè)銀行L縣支行在農(nóng)戶貸款方面采取的風(fēng)險(xiǎn)防范手段,以及農(nóng)業(yè)銀行L縣支行在推進(jìn)農(nóng)戶貸款業(yè)務(wù)方面所采取的措施;第四部分是分析了農(nóng)業(yè)銀行L縣支行農(nóng)戶貸款業(yè)務(wù)在發(fā)展中存在的問(wèn)題,主要是不良農(nóng)戶貸款比重上升以及農(nóng)戶貸款規(guī)模增長(zhǎng)緩慢,造成這種情況的主要因素包括農(nóng)業(yè)銀行L縣支行農(nóng)戶貸款擔(dān)保問(wèn)題難以落實(shí)、客戶經(jīng)理服務(wù)意識(shí)有待提高、農(nóng)業(yè)銀行L縣支行農(nóng)戶貸款風(fēng)險(xiǎn)控制不足、缺乏有效的內(nèi)部激勵(lì)機(jī)制,以及渠道網(wǎng)點(diǎn)建設(shè)有待提高。第五部分是農(nóng)業(yè)銀行L縣支行改進(jìn)農(nóng)戶貸款業(yè)務(wù)的對(duì)策建議,包括創(chuàng)新農(nóng)戶貸款擔(dān)保模式、強(qiáng)化客戶經(jīng)理的職責(zé)定位、加強(qiáng)農(nóng)戶貸款的風(fēng)險(xiǎn)管理,完善內(nèi)部激勵(lì)機(jī)制以及加強(qiáng)服務(wù)渠道建設(shè)。
[Abstract]:The continuous development of rural economy must not be without sufficient financial support. However, there is a fund gap in the development of rural areas in our country at present, especially for farmers and small and medium-sized enterprises, the phenomenon of lack of funds is widespread. In the course of commercial reform of Agricultural Bank, in order to save cost and concentrate advantages, the number of physical network in villages and towns is decreasing on a large scale. However, large commercial banks have not put their emphasis on farmers' loan business. In addition, many commercial banks have not specifically combined with the needs of farmers to produce products related to farmers' loans. As a result, farmers' demand for funds can not be effectively met. In order to develop rural finance better, it is necessary for the agricultural bank, which shoulders the responsibility of serving farmers, to provide a higher level of financial services, to enrich the farmers' loan-related products and to improve their service consciousness. Only in this way can the rural economy be better developed. This paper analyzes the behavior of L county branch of Agricultural Bank of China. Since the introduction of farmers' loan business in L county branch of Agricultural Bank of China, it has effectively supported the production and development of local farmers and small and medium-sized enterprises. However, there are some problems in the process of development. In order to better support the county rural economy, the L county branch of the Agricultural Bank of China needs to carry out in-depth investigation on the county area, and vigorously launch targeted farmer loan related products. In this paper, we collect the relevant information about the farmers' loan business of the branch bank, understand the specific situation of the agricultural bank's granting of the farmer's loan, and then make a concrete analysis of the present situation of the development of the farmers' loan business of the L county sub-bank, and like the local and other agricultural and commercial banks, The excellent achievements of village bank in agriculture, rural areas and farmers are studied and used for reference, and an effective scheme is given for the development of farmers' loan business in L county branch of Agricultural Bank, so as to achieve the main goal of agricultural bank L county branch to benefit farmers. This paper includes five parts: the first part is the introduction, mainly introduces the research background, purpose and significance, innovation and deficiency. The second part is the introduction of the bank L county branch and the farmers loan business, mainly introduces the general situation of the agricultural bank L county branch, the characteristics of the agricultural bank L county branch business, and the types of the agricultural bank L county branch farmer loan business. Including farmers loans to public products and personal products. The third part is the analysis of the main business of agricultural bank L county sub-bank farmers loans, the way to guarantee farmers' loans, the risk prevention measures taken by the L county branch of agricultural bank in the aspect of farmers' loans. And the measures taken by the L County Branch of Agricultural Bank in promoting the farmer loan business. The fourth part analyzes the problems existing in the development of the farmer loan business of the L County Branch of the Agricultural Bank of China. It is mainly due to the increase in the proportion of non-performing farmers' loans and the slow growth in the scale of farmers' loans. The main factors that cause this situation include the difficulty of implementing the guarantee of farmers' loans in L County Sub-Branch of Agricultural Bank, and the need to improve the service consciousness of customer managers. Agricultural bank L county branch farmers loan risk control is insufficient, lack of effective internal incentive mechanism, and channel network construction needs to be improved. The fifth part is the countermeasures and suggestions of the L county branch of Agricultural Bank to improve the farmer loan business, including innovating the farmer loan guarantee mode, strengthening the responsibility of the customer manager, and strengthening the risk management of the peasant household loan. Improve the internal incentive mechanism and strengthen the construction of service channels.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.43

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