本文選題：農(nóng)村信用社 + 小額信貸　； 參考：《東北大學(xué)》2013年碩士論文

【摘要】：小額信貸是針對(duì)那些低收入人群發(fā)放額度小、周期短的貸款的行為,是一種比較特殊的金融方式。盤(pán)錦市農(nóng)村信用社自推廣小額信貸業(yè)務(wù)以來(lái),不但為廣大農(nóng)戶(hù)提供了資金上的幫助,也使農(nóng)村信用社的發(fā)展方向更加明確。在支持“三農(nóng)”發(fā)展,促進(jìn)農(nóng)村產(chǎn)業(yè)結(jié)構(gòu)調(diào)整,規(guī)范農(nóng)村金融秩序,促進(jìn)農(nóng)村信用文化建設(shè)等方面起到了不可替代的作用。但是在農(nóng)村信用社小額信貸業(yè)務(wù)運(yùn)營(yíng)的過(guò)程中,由于農(nóng)村地區(qū)存在信用環(huán)境差、農(nóng)業(yè)基礎(chǔ)設(shè)施薄弱、農(nóng)民素質(zhì)普遍不高、國(guó)家支持力度不夠等多方面問(wèn)題,使得盤(pán)錦市農(nóng)村信用社小額信貸在發(fā)展過(guò)程中遇到了很大的風(fēng)險(xiǎn),所以農(nóng)村信用社要在農(nóng)村地區(qū)取得快速發(fā)展就必須解決小額信貸風(fēng)險(xiǎn)控制問(wèn)題。本文根據(jù)盤(pán)錦市農(nóng)村信用社小額信貸業(yè)務(wù)現(xiàn)實(shí)狀況,闡述了近幾年來(lái)開(kāi)展小額信貸業(yè)務(wù)取得的成效,深入剖析了小額信貸發(fā)展過(guò)程中面臨的各種風(fēng)險(xiǎn),將層次分析法運(yùn)用到小額信貸的風(fēng)險(xiǎn)控制當(dāng)中,用定性和定量相結(jié)合的方法來(lái)控制農(nóng)村信用社小額信貸的風(fēng)險(xiǎn),并針對(duì)問(wèn)題逐一提出了完善風(fēng)險(xiǎn)控制體系等應(yīng)對(duì)策略,同時(shí),文中也對(duì)如何促進(jìn)盤(pán)錦市農(nóng)村信用社小額信貸業(yè)務(wù)的可持續(xù)發(fā)展提出了具體建議。
[Abstract]:Microcredit is a kind of special financial method, which is aimed at the low-income people with small amount and short period. Since the extension of micro-credit business in Panjin City, rural credit cooperatives have not only provided financial assistance for the majority of farmers, but also made the development direction of rural credit cooperatives more clear. It plays an irreplaceable role in supporting the development of "three rural areas", promoting the adjustment of rural industrial structure, standardizing the rural financial order, and promoting the construction of rural credit culture. However, in the course of the operation of the micro-credit business of rural credit cooperatives, there are many problems in rural areas, such as poor credit environment, weak agricultural infrastructure, low quality of farmers, insufficient state support and so on. It makes the rural credit cooperatives in Panjin City encountered great risks in the process of development, so rural credit cooperatives in order to achieve rapid development in rural areas, we must solve the problem of micro-credit risk control. According to the actual situation of microfinance business in Panjin rural credit cooperative, this paper expounds the results of developing microfinance business in recent years, and deeply analyzes the various risks in the process of microfinance development. This paper applies Analytic hierarchy process (AHP) to the risk control of micro-credit, uses qualitative and quantitative methods to control the risk of micro-credit in rural credit cooperatives, and puts forward some countermeasures to solve the problems, such as perfecting the risk control system, at the same time, The paper also puts forward some concrete suggestions on how to promote the sustainable development of rural credit cooperatives in Panjin.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 茅于軾;;談小額貸款的文化[J];農(nóng)村金融研究;2007年09期

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本文編號(hào)：1774520