本文選題：湘潭縣農(nóng)村信用聯(lián)社 + 小額農(nóng)戶貸款　； 參考：《湖南大學(xué)》2013年碩士論文

【摘要】：我國于2001年開始推廣農(nóng)戶小額信用貸款(簡稱小額農(nóng)貸),作為服務(wù)農(nóng)村的一項特殊金融工具。多年來,小額農(nóng)貸款在支持農(nóng)村經(jīng)濟的發(fā)展、促進農(nóng)民增收致富、發(fā)展農(nóng)業(yè)信貸服務(wù)等方面做出了巨大貢獻,已成為鄉(xiāng)鎮(zhèn)農(nóng)村信用社支農(nóng)惠農(nóng)的主打品牌。但是實踐表明,農(nóng)信機構(gòu)推廣小額農(nóng)貸并未收到良好效果,大量基層信用社小額農(nóng)貸不良貸款居高不下,嚴(yán)重影響到農(nóng)信機構(gòu)發(fā)放農(nóng)戶貸款的積極性,并成為農(nóng)信社穩(wěn)健發(fā)展的制約因素之一。目前,我國農(nóng)業(yè)人口依然停留在收入增長緩慢、消費支出占比大、資本積累少、借貸抵押品嚴(yán)重缺乏的階段,難以符合現(xiàn)代商業(yè)銀行融資條件和準(zhǔn)入門檻,繼續(xù)推廣特色農(nóng)村金融服務(wù)產(chǎn)品非常必要。因此,探尋小額農(nóng)貸風(fēng)險防范化解的途徑,對深化農(nóng)村金融服務(wù)、促進農(nóng)村金融可持續(xù)性發(fā)展具有重要意義。湘潭縣農(nóng)村信用聯(lián)社是典型的農(nóng)村金融機構(gòu),也是當(dāng)?shù)刂饕y行機構(gòu)之一,其存、貸款的市場占有率均在50%左右。至2011年底,湘潭縣聯(lián)社共發(fā)放小額農(nóng)戶貸款49000多筆,占所有貸款筆數(shù)的90.7%,余額41564萬元,其中小額農(nóng)貸不良貸款余額27071萬元,小額農(nóng)貸不良比例65%,占所有不良貸款余額的54.8%,風(fēng)險程度大大高于其他類涉農(nóng)貸款,同時高于同區(qū)域其他銀行機構(gòu)的同類型貸款。選取該機構(gòu)作為研究小額農(nóng)貸風(fēng)險管理的研究對象,是非常具有代表性的。 開展風(fēng)險管理研究,首先要確定風(fēng)險程度大小,本文從機構(gòu)數(shù)據(jù)分析入手,通過對數(shù)據(jù)的連續(xù)性縱向變化和與同業(yè)機構(gòu)的橫向比較,確認(rèn)農(nóng)信社小額農(nóng)貸的高風(fēng)險既具有行業(yè)普遍性,又具有機構(gòu)特性。然后采取問卷調(diào)查、實地走訪等形式,從信貸雙方行為觀念、機構(gòu)業(yè)務(wù)流程設(shè)計和風(fēng)險管理體系,綜合農(nóng)業(yè)保險、信用體系、財政政策等方面,尋找湘潭縣農(nóng)村信用聯(lián)社的小額農(nóng)戶貸款風(fēng)險影響因素。研究結(jié)果顯示信用風(fēng)險和操作風(fēng)險是農(nóng)信社小額農(nóng)戶貸款面臨的最主要風(fēng)險,本文有針對性地從風(fēng)險降維、降幅及相關(guān)配套措施方面提出對策以及對策的實施路徑,幫助農(nóng)信社機構(gòu)建立農(nóng)戶小額農(nóng)戶貸款需求滿足與信貸資金安全間的良性循環(huán),同時滿足服務(wù)三農(nóng)和自身商業(yè)效益的雙重目標(biāo)。
[Abstract]:In 2001, our country began to popularize the peasant household small credit loan (abbreviated as small farm loan), as a special financial tool to serve the countryside. Over the years, micro-agricultural loans have made great contributions in supporting the development of rural economy, promoting farmers' income and wealth, and developing agricultural credit services, and have become the main brand of rural credit cooperatives in villages and towns to support agriculture and benefit farmers. However, the practice shows that the promotion of small agricultural loans by rural credit organizations has not achieved good results, and a large number of grass-roots credit cooperatives have a high level of non-performing loans for small agricultural loans, which seriously affect the enthusiasm of agricultural credit institutions to issue loans to farmers. And become a stable development of rural credit cooperatives one of the constraints. At present, the agricultural population of our country is still in the stage of slow income growth, large proportion of consumer expenditure, low accumulation of capital, and serious shortage of loan collateral, so it is difficult to meet the financing conditions and entry threshold of modern commercial banks. It is very necessary to continue to promote the special rural financial service products. Therefore, it is of great significance to explore the ways to prevent and resolve the risks of small agricultural loans in order to deepen the rural financial services and promote the sustainable development of rural finance. Xiangtan County Rural Credit Union is a typical rural financial institution and one of the main local banking institutions. The market share of deposit and loan is about 50%. By the end of 2011, Xiangtan County Union had issued more than 49000 loans to small farmers, accounting for 90.7 yuan of the total number of loans, with a balance of 415.64 million yuan, including 270.71 million yuan of non-performing loans on small agricultural loans. The non-performing ratio of small agricultural loans is 65%, accounting for 54.8% of the balance of all non-performing loans. The risk level is much higher than that of other types of agricultural loans, and at the same time it is higher than the same type of loans of other banking institutions in the same region. It is very representative to select this institution as the research object of risk management of small agricultural loan. To carry out risk management research, we must first determine the degree of risk. This paper starts with the analysis of corporate data, through the vertical change of the data continuity and the horizontal comparison with the peer institutions. It is confirmed that the high risk of small-scale agricultural credit in RCCs has both industry universality and institutional characteristics. Then in the form of questionnaires, field visits, and so on, from the aspects of the behavior concept of both sides of credit, the design of organization business process and risk management system, comprehensive agricultural insurance, credit system, fiscal policy, etc. To find the risk factors of the small farmers loan in Xiangtan County Rural Credit Union. The research results show that the credit risk and operational risk are the most important risks faced by the small farmers of rural credit cooperatives. This paper puts forward the countermeasures and the implementation path of the countermeasures from the aspects of risk reduction, reduction and related supporting measures. To help the rural credit cooperatives to establish a virtuous circle between the farmers' demand for small farmers' loans and the security of credit funds, and at the same time to meet the dual objectives of serving agriculture, rural areas and farmers and their own commercial benefits.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35;F832.43

【參考文獻】

相關(guān)期刊論文 前10條

1 馮a，

本文編號：1897830