本文選題：農(nóng)村信用社 + 小額信貸��； 參考：《中國海洋大學(xué)》2014年碩士論文

【摘要】：農(nóng)村信用社小額信用貸款作為支持農(nóng)民、農(nóng)業(yè)、農(nóng)村“三農(nóng)”經(jīng)濟(jì)發(fā)展的國家政策措施,為農(nóng)民提高自身收入、解決農(nóng)民貸款難問題、推動(dòng)農(nóng)村地區(qū)經(jīng)濟(jì)發(fā)展等領(lǐng)域都做出了突出貢獻(xiàn),受廣大農(nóng)戶所青睞。然而,由于農(nóng)村信用社和農(nóng)戶本身的特殊性質(zhì),導(dǎo)致信用社在放貸過程中也出現(xiàn)了一些問題,如農(nóng)戶拖欠貸款、拒絕還款等現(xiàn)象,使得信用社在穩(wěn)定經(jīng)營業(yè)務(wù)方面出現(xiàn)了障礙。因此,有必要對目前小額信貸業(yè)務(wù)的發(fā)展以及出現(xiàn)的問題進(jìn)行研究,不僅可以保障“三農(nóng)”改革穩(wěn)步進(jìn)行更在一定程度上保護(hù)了信用社的經(jīng)濟(jì)利益。山東濰坊市從2000年起就在全國首創(chuàng)了以支農(nóng)營銷網(wǎng)絡(luò)建設(shè)為指導(dǎo),以農(nóng)戶信用評定貸款為核心的支農(nóng)模式,成功的解決了農(nóng)民貸款難和信用社難貸款的問題。隨著經(jīng)濟(jì)的不斷發(fā)展,山東濰坊市在2011年7月份推出新的貸款模式,進(jìn)一步改善濰坊地區(qū)農(nóng)村信用社小額貸款難問題,并獲得了中國人民銀行總行的認(rèn)可。本文以濰坊市信用社為研究對象,從小額信貸風(fēng)險(xiǎn)控制的相關(guān)理論展開,從理論到實(shí)踐,逐步完成了小額信貸風(fēng)險(xiǎn)控制的研究。首先,本文介紹了小額信貸風(fēng)險(xiǎn)控制的相關(guān)理論基礎(chǔ),包括小額信貸的定義及特征、小額信貸風(fēng)險(xiǎn)控制理論,詳細(xì)闡述了信貸風(fēng)險(xiǎn)控制過程中涉及到的風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)評估、風(fēng)險(xiǎn)控制方法。接著,本文以濰坊市農(nóng)信社小額信貸業(yè)務(wù)發(fā)展現(xiàn)狀為依據(jù),利用德爾菲法對信貸業(yè)務(wù)中可能存在的風(fēng)險(xiǎn)進(jìn)行識(shí)別,包括自然風(fēng)險(xiǎn)、市場風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)四部分,并進(jìn)一步分析了產(chǎn)生風(fēng)險(xiǎn)的原因。進(jìn)而,利用上文分析的風(fēng)險(xiǎn)因素進(jìn)行了實(shí)際調(diào)研,并構(gòu)建了濰坊市農(nóng)信社小額信貸風(fēng)險(xiǎn)評價(jià)的指標(biāo)體系,基于模糊層次分析法對濰坊市農(nóng)信社小額信貸風(fēng)險(xiǎn)進(jìn)行了綜合評估。在評估過程中發(fā)現(xiàn),濰坊市農(nóng)信社小額信貸業(yè)務(wù)風(fēng)險(xiǎn)處于一般風(fēng)險(xiǎn)水平,說明濰坊市農(nóng)信社在風(fēng)險(xiǎn)防范方面具有一定的成就,但仍要繼續(xù)加強(qiáng)信貸風(fēng)險(xiǎn)防范工作。家庭投保情況、地區(qū)經(jīng)濟(jì)發(fā)展水平、借款人歷史違約率、是否與信用社內(nèi)部人員有聯(lián)系等因素在很大程度上都對濰坊市農(nóng)信社小額信貸風(fēng)險(xiǎn)產(chǎn)生影響。文章最后,結(jié)合濰坊市小額信貸風(fēng)險(xiǎn)評估的綜合結(jié)果,并考慮到濰坊市農(nóng)信社的實(shí)際經(jīng)營情況,提出了加強(qiáng)濰坊市農(nóng)信社小額信貸風(fēng)險(xiǎn)控制的方案措施,促進(jìn)濰坊市農(nóng)信社的良好發(fā)展。
[Abstract]:As a national policy measure to support the economic development of farmers, agriculture and rural areas, the small credit loans of rural credit cooperatives can raise their own income and solve the problem of farmers' loan difficulties. Promoting economic development in rural areas and other areas have made outstanding contributions, favored by the majority of farmers. However, due to the special nature of rural credit cooperatives and farmers themselves, there are also some problems in the process of credit cooperatives lending, such as farmers defaulting on loans, refusing to repay, and so on. Therefore, it is necessary to study the development and problems of microfinance business at present, which can not only protect the economic interests of credit cooperatives to a certain extent, but also guarantee the steady progress of the reform of agriculture, rural areas and farmers. Since 2000, Weifang City of Shandong Province has set up the agricultural support model with the guidance of the construction of supporting agriculture marketing network and the credit assessment loan of farmers, which has successfully solved the problems of difficult loans for farmers and hard loans for credit cooperatives. With the development of economy, in July 2011, Weifang City of Shandong Province introduced a new loan model to further improve the problem of small loans of rural credit cooperatives in Weifang area, and was recognized by the head office of the people's Bank of China. In this paper, Weifang credit cooperatives as the research object, from the micro-credit risk control theory, from theory to practice, gradually completed the micro-credit risk control research. First of all, this paper introduces the relevant theoretical basis of microfinance risk control, including the definition and characteristics of microfinance, microfinance risk control theory, the credit risk control process involved in the risk identification, risk assessment, Risk control method. Then, based on the current situation of the development of micro-credit business in Weifang Rural Credit Society, the paper uses Delphi method to identify the possible risks in the credit business, including natural risk, market risk, credit risk and operational risk. Furthermore, the causes of risk are analyzed. Then, using the risk factors analyzed above to carry on the actual investigation, and constructed the Weifang rural credit cooperatives micro-credit risk evaluation index system, based on the fuzzy analytic hierarchy process to Weifang rural credit cooperatives micro-credit risk comprehensive evaluation. In the course of evaluation, it is found that the risk of micro-credit business of Weifang Rural Credit Cooperative is at the general risk level, which indicates that Weifang Rural Credit Cooperative has some achievements in risk prevention, but it should continue to strengthen the work of credit risk prevention. Factors such as family insurance, regional economic development level, borrowers' historical default rate, whether they are related to the internal personnel of credit cooperatives, to a large extent, all have an impact on the micro-credit risk of Weifang Rural Credit Cooperative. Finally, combined with the comprehensive results of Weifang micro-credit risk assessment, and taking into account the actual operating situation of Weifang Rural Credit Cooperative, the paper puts forward some measures to strengthen the micro-credit risk control of Weifang Rural Credit Cooperative. To promote the good development of Weifang Rural Credit Cooperative.
【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.43

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