發(fā)布時(shí)間：2018-08-24 15:46

【摘要】：農(nóng)業(yè)信貸供給是農(nóng)村金融的核心部分，對(duì)于支持和促進(jìn)“三農(nóng)”發(fā)展意義重大。為積極改善農(nóng)村信貸服務(wù)缺位問(wèn)題，2000年以來(lái)，農(nóng)戶(hù)小額貸款作為一種普惠性的創(chuàng)新安排開(kāi)始在我國(guó)正式運(yùn)行，并在十多年間迅速發(fā)展壯大，有效緩解了農(nóng)戶(hù)融資難問(wèn)題，為新農(nóng)村建設(shè)發(fā)揮了極其重要的作用。以農(nóng)村商業(yè)銀行、農(nóng)村信用社為代表的地方法人金融機(jī)構(gòu)是我國(guó)農(nóng)戶(hù)小額貸款的最重要供給主體。但受多種因素影響，，當(dāng)前其信貸風(fēng)險(xiǎn)管理水平仍然比較滯后，限制了農(nóng)戶(hù)小額貸款業(yè)務(wù)的健康可持續(xù)發(fā)展。 本文立足于農(nóng)戶(hù)小額貸款對(duì)“三農(nóng)”發(fā)展的重要性，基于當(dāng)前國(guó)內(nèi)外有關(guān)小額貸款風(fēng)險(xiǎn)管理的研究成果，以黑龍江省第一家農(nóng)村商業(yè)銀行大興安嶺農(nóng)商行為研究對(duì)象，通過(guò)文獻(xiàn)閱讀、實(shí)地調(diào)研、定量與定性分析等方法，首先分析了該行農(nóng)戶(hù)小額貸款的資產(chǎn)質(zhì)量狀況和風(fēng)險(xiǎn)管理現(xiàn)狀，進(jìn)而分析了其風(fēng)險(xiǎn)管理在組織架構(gòu)、內(nèi)控機(jī)制、信用評(píng)級(jí)建設(shè)、風(fēng)險(xiǎn)評(píng)估預(yù)警、激勵(lì)約束機(jī)制、人力資源建設(shè)以及利率定價(jià)等方面存在的主要問(wèn)題，最后結(jié)合實(shí)際提出了優(yōu)化大興安嶺農(nóng)商行農(nóng)戶(hù)小額貸款風(fēng)險(xiǎn)管理的有關(guān)建議，并設(shè)計(jì)了相關(guān)外部保障方案。 通過(guò)本文研究，有助于更加清晰的認(rèn)識(shí)農(nóng)商行農(nóng)戶(hù)小額貸款風(fēng)險(xiǎn)管理體系存在的主要制度缺陷，也為農(nóng)商行在改制轉(zhuǎn)型過(guò)程中有效加強(qiáng)農(nóng)戶(hù)小額貸款風(fēng)險(xiǎn)管理提供了比較系統(tǒng)性和普適性的解決方案，對(duì)于促進(jìn)農(nóng)戶(hù)小額貸款業(yè)務(wù)的健康可持續(xù)發(fā)展，進(jìn)一步增強(qiáng)農(nóng)商行的支農(nóng)主力軍作用，提供了一些有益的啟示和借鑒。
[Abstract]:Agricultural credit supply is the core part of rural finance, which is of great significance to support and promote the development of agriculture, rural areas and farmers. In order to improve the absence of rural credit service actively, since 2000, peasant household microfinance, as a kind of inclusive and innovative arrangement, has started to run formally in our country, and has developed rapidly in more than a decade, which effectively alleviates the problem of farmers' financing difficulties. For the new rural construction has played an extremely important role. The local legal person financial institution represented by rural commercial banks and rural credit cooperatives is the most important supplier of small loans to farmers in China. However, due to the influence of many factors, the level of credit risk management is still lagging behind, which limits the healthy and sustainable development of farmers' microfinance business. Based on the importance of farmers' small loans to the development of agriculture, rural areas and farmers, and based on the current domestic and international research results on the risk management of small loans, this paper takes the first rural commercial bank of Heilongjiang Province as the research object. Through the methods of literature reading, field investigation, quantitative and qualitative analysis, this paper first analyzes the present situation of asset quality and risk management of the small loans of farmers in this bank, and then analyzes the risk management in the organizational structure, internal control mechanism, and so on. The main problems in credit rating construction, risk assessment and early warning, incentive and restraint mechanism, human resource construction and interest rate pricing, etc. Finally, the paper puts forward some suggestions to optimize the risk management of farmers' small loans in Daxing'anling Agricultural and Commercial Bank, and designs the relevant external guarantee scheme. Through the research of this paper, it is helpful to understand clearly the main institutional defects in the risk management system of agricultural and commercial bank farmers' small loans. It also provides a more systematic and universal solution for the agribusiness to effectively strengthen the risk management of farmers' small loans in the process of restructuring, which can promote the healthy and sustainable development of farmers' microfinance business. Further strengthen the main role of agricultural banks to support agriculture, and provide some useful inspiration and reference.
【學(xué)位授予單位】：哈爾濱工業(yè)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

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