發(fā)布時(shí)間：2018-04-01 09:33

  本文選題：農(nóng)村小額信貸　切入點(diǎn)：財(cái)務(wù)風(fēng)險(xiǎn)　出處：《湖南大學(xué)》2013年碩士論文

【摘要】：農(nóng)村小額信貸作為一種專門服務(wù)于農(nóng)村中低收入人群的金融創(chuàng)新制度，在消除貧困、完善農(nóng)村金融體系等方面發(fā)揮了重要的作用。農(nóng)村小額信貸機(jī)構(gòu)目標(biāo)客戶以及自身業(yè)務(wù)的特殊性，決定了其在經(jīng)營過程中必然受到各類風(fēng)險(xiǎn)的威脅。我國農(nóng)村小額信貸起步較晚，管理水平落后，風(fēng)險(xiǎn)問題更為突出，嚴(yán)重影響機(jī)構(gòu)的持續(xù)發(fā)展。因此，以提高農(nóng)戶資金供給、解決貧困和“三農(nóng)”問題為目的，系統(tǒng)地研究我國農(nóng)村小額信貸機(jī)構(gòu)的風(fēng)險(xiǎn)問題具有十分重要的現(xiàn)實(shí)意義。 財(cái)務(wù)風(fēng)險(xiǎn)客觀存在于經(jīng)濟(jì)主體的財(cái)務(wù)活動(dòng)中，是各種風(fēng)險(xiǎn)因素貨幣形式的集中反映。本文基于財(cái)務(wù)視角來研究農(nóng)村小額信貸機(jī)構(gòu)風(fēng)險(xiǎn)及風(fēng)險(xiǎn)控制問題。首先，本文在相關(guān)理論和研究的基礎(chǔ)上框定了農(nóng)村小額信貸機(jī)構(gòu)財(cái)務(wù)風(fēng)險(xiǎn)的內(nèi)涵及主要特征。隨后，結(jié)合農(nóng)村小額信貸業(yè)務(wù)和財(cái)務(wù)風(fēng)險(xiǎn)特征，借鑒系統(tǒng)論和控制論的思想，分析了在內(nèi)外部不確定因素作用下農(nóng)村小額信貸機(jī)構(gòu)財(cái)務(wù)風(fēng)險(xiǎn)的形成機(jī)理——農(nóng)村小額信貸機(jī)構(gòu)財(cái)務(wù)風(fēng)險(xiǎn)生成傳導(dǎo)機(jī)制，且在此基礎(chǔ)上運(yùn)用層次分析法建立農(nóng)村小額信貸機(jī)構(gòu)財(cái)務(wù)風(fēng)險(xiǎn)評(píng)估指標(biāo)體系。再者，利用前文的財(cái)務(wù)風(fēng)險(xiǎn)評(píng)估模型分析和考察了我國農(nóng)村小額信貸機(jī)構(gòu)財(cái)務(wù)風(fēng)險(xiǎn)現(xiàn)狀并進(jìn)一步探究其特殊原因。最后，基于前文的研究，借鑒國際財(cái)務(wù)風(fēng)險(xiǎn)控制成功經(jīng)驗(yàn)，提出了適合農(nóng)村小額信貸機(jī)構(gòu)特點(diǎn)的財(cái)務(wù)風(fēng)險(xiǎn)控的制基本思路，進(jìn)而從政策、管理、技術(shù)三方面提出加強(qiáng)我國農(nóng)村小額信貸機(jī)構(gòu)財(cái)務(wù)風(fēng)險(xiǎn)控制的具體措施和建議，，從而保障我國農(nóng)村小額信貸的健康持續(xù)發(fā)展。
[Abstract]:As a kind of financial innovation system, the rural microfinance plays an important role in eliminating poverty and perfecting the rural financial system.The particularity of the target customers and their own business of rural microfinance institutions determines that they must be threatened by all kinds of risks in the course of operation.China's rural microfinance started late, the level of management is backward, the risk problem is more prominent, which seriously affects the sustainable development of institutions.Therefore, it is of great practical significance to systematically study the risk of rural micro-credit institutions in China in order to improve the supply of farmers' funds and solve the problems of poverty and "agriculture, countryside and farmers".Financial risk exists objectively in the financial activities of economic subjects and is a centralized reflection of various risk factors in monetary forms.Based on the financial perspective, this paper studies the risk and risk control of rural microfinance institutions.Firstly, this paper defines the connotation and main characteristics of the financial risk of rural microfinance institutions on the basis of relevant theory and research.Then, combined with the characteristics of rural microfinance business and financial risk, the ideas of system theory and cybernetics are used for reference.This paper analyzes the formation mechanism of the financial risk of rural microfinance institutions under the action of internal and external uncertainties-the financial risk generation and transmission mechanism of rural microfinance institutions.On the basis of this, the financial risk evaluation index system of rural micro-credit institutions is established by using the Analytic hierarchy process (AHP).Furthermore, using the previous financial risk assessment model, this paper analyzes and examines the current situation of financial risk of rural microfinance institutions in China and further explores its special reasons.Finally, based on the previous research and the successful experience of international financial risk control, this paper puts forward the basic idea of financial risk control which is suitable for the characteristics of rural microfinance institutions, and then from the policy, management,In order to ensure the healthy and sustainable development of rural microfinance in China, this paper puts forward some concrete measures and suggestions to strengthen the financial risk control of rural microfinance institutions in China from the three aspects of technology.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F832.4

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