本文選題：農(nóng)戶信貸　切入點(diǎn)：風(fēng)險(xiǎn)管理　出處：《華中農(nóng)業(yè)大學(xué)》2013年碩士論文

【摘要】：加強(qiáng)農(nóng)戶貸款的風(fēng)險(xiǎn)管理是促進(jìn)我國農(nóng)村小額貸款業(yè)務(wù)良性發(fā)展的必由之路,也是涉農(nóng)金融機(jī)構(gòu)可持續(xù)發(fā)展的必然要求。建設(shè)銀行青島平度支行近年來積極貫徹中央的支持“三農(nóng)”政策,尋找金融支持“三農(nóng)”的有效途徑,取得了明顯效果。該行的小額農(nóng)戶貸款近三年實(shí)現(xiàn)了爆炸式的增長,但至今不良貸款余額為零,既有效推動(dòng)了地方“三農(nóng)”的發(fā)展,又實(shí)現(xiàn)了自身業(yè)務(wù)的長足發(fā)展,為國有銀行支持“三農(nóng)”摸索出了一條有效的途徑。尤其是該行在農(nóng)貸風(fēng)險(xiǎn)的控制方面,做出了令同業(yè)瞠目結(jié)舌的業(yè)績,他們的做法非常值得研究與推廣 本文以風(fēng)險(xiǎn)管理理論為研究基礎(chǔ),解析了風(fēng)險(xiǎn)管理的要素、流程與目標(biāo),分析了農(nóng)戶貸款的基本特點(diǎn)、運(yùn)作機(jī)制和風(fēng)險(xiǎn)管理方法。在該理論鋪墊的基礎(chǔ)上,以青島平度支行為例,分析了當(dāng)前該行農(nóng)戶貸款的基本運(yùn)作情況及風(fēng)險(xiǎn)管理狀況,總結(jié)了該行面臨的主要風(fēng)險(xiǎn),并進(jìn)行了案例分析。全文的主要研究內(nèi)容與基本結(jié)論如下： 論文第三章分析了建設(shè)銀行平度支行在實(shí)施農(nóng)貸上的業(yè)務(wù)流程以及所面臨的風(fēng)險(xiǎn),本文將風(fēng)險(xiǎn)主要?dú)w納為四個(gè)方面：信用風(fēng)險(xiǎn)、市場風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、法律與制度風(fēng)險(xiǎn),在分析產(chǎn)生上述風(fēng)險(xiǎn)原因的基礎(chǔ)上,探討了相應(yīng)的風(fēng)險(xiǎn)控制措施。為更好地論證該問題,論文在第四章進(jìn)一步進(jìn)行了案例分析。通過引入“速成雞”事件中六合養(yǎng)殖戶貸款來分析建行平度支行所面臨的風(fēng)險(xiǎn)及其對此風(fēng)險(xiǎn)的管控,論證了對農(nóng)戶小額貸款風(fēng)險(xiǎn)的管控是非常重要的,它不僅關(guān)系著“三農(nóng)”經(jīng)濟(jì)的合理有序發(fā)展(本文為家禽養(yǎng)殖業(yè)的健康發(fā)展),同時(shí)也關(guān)系著農(nóng)戶小額信貸金融機(jī)構(gòu)的持續(xù)發(fā)展,是其生死存亡的關(guān)鍵。本文在分析時(shí)主要采用理論上的描述,分析方法為歸納法,同時(shí)采用數(shù)據(jù)表格與現(xiàn)實(shí)案例來論證,詳細(xì)闡述和分析了小額信貸的風(fēng)險(xiǎn)管控。 鮮活而生動(dòng)的現(xiàn)實(shí)案例有力地支撐了文章的觀點(diǎn)。同時(shí)本文作者在已有小額貸款風(fēng)險(xiǎn)控制方法的基礎(chǔ)上,認(rèn)為想實(shí)現(xiàn)創(chuàng)新,必須在小額貸款的發(fā)展模式和風(fēng)險(xiǎn)控制方法上,探索“政府+銀行+公司+擔(dān)保+農(nóng)戶”這一五位一體模式。該模式可以有效克服信用風(fēng)險(xiǎn)、政策風(fēng)險(xiǎn)及無擔(dān)保的弊端,對平度支行及其它金融機(jī)構(gòu)的農(nóng)貸風(fēng)險(xiǎn)管理具有一定的借鑒意義。
[Abstract]:Strengthening the risk management of peasant household loan is the only way to promote the healthy development of rural microfinance business in China, and it is also the inevitable requirement for the sustainable development of agricultural financial institutions.In recent years, Qingdao Pingdu Branch of China Construction Bank has actively carried out the central government's policy of supporting agriculture, rural areas and farmers, and has found an effective way to support the "three rural areas" and has achieved obvious results.The bank's small farmers' loans have achieved explosive growth in the past three years, but the balance of non-performing loans has so far been zero, which has effectively promoted the development of the local "three rural areas" and has also realized the rapid development of its own business.For the state-owned banks to support the "three rural" found out an effective way.In particular, the bank has made eye-popping achievements in the control of agricultural loan risks, and their practice is worth studying and popularizing.Based on the theory of risk management, this paper analyzes the elements, processes and objectives of risk management, and analyzes the basic characteristics, operational mechanism and risk management methods of farmers' loans.On the basis of this theory, taking Pingdu Branch of Qingdao as an example, this paper analyzes the basic operation and risk management situation of the bank's farmer loans, summarizes the main risks faced by the bank, and makes a case study.The main research contents and basic conclusions are as follows:The third chapter analyzes the business process and the risks faced by Pingdu Branch of China Construction Bank in the implementation of agricultural loans. The risk is mainly divided into four aspects: credit risk, market risk, operational risk, legal and institutional risk.On the basis of analyzing the causes of the above risks, the corresponding risk control measures are discussed.In order to demonstrate this problem better, the paper further carries on the case analysis in the fourth chapter.By introducing the loan from Liuhe breeders in the incident of "fast chicken" to analyze the risks faced by the Pingdu branch of CCB and its control over this risk, it is proved that it is very important to control the risk of small loans for farmers.It is not only related to the rational and orderly development of the economy of agriculture, rural areas and farmers (this paper is the healthy development of poultry farming industry, but also relates to the sustainable development of farmers' microfinance institutions, which is the key to its survival and death.This article mainly uses the theory description, the analysis method is inductive, simultaneously uses the data table and the real case to prove, elaborated and analyzed the microfinance risk control in detail.Vivid and vivid case studies support the point of view of the article.At the same time, on the basis of the existing risk control methods of microfinance, the author thinks that in order to achieve innovation, the development model and risk control method of microfinance must be put forward.Explore the "government bank companies guarantee farmers" this one-in-one model.This model can effectively overcome the disadvantages of credit risk, policy risk and unsecured risk, and can be used for reference in the management of agricultural loan risk in Pingdu branch and other financial institutions.
【學(xué)位授予單位】：華中農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.43

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本文編號：1711167