發(fā)布時間：2018-01-05 21:05

  本文關鍵詞：LC農商銀行農戶貸款的風險防范　出處：《陜西師范大學》2015年碩士論文　論文類型：學位論文

  更多相關文章： 農村金融機構 農戶貸款 風險控制

【摘要】：我國作為傳統(tǒng)的農業(yè)國家,農村人口占了大多數(shù),而隨著經濟形勢的下行以及國家擴大內需的相關政策的提出,農村的建設和發(fā)展對我國整體經濟發(fā)展的影響越來越大,而農村經濟的發(fā)展又與農村金融的發(fā)展息息相關。自2004年起,中共中央連續(xù)發(fā)布了七個以“三農”為主題的中央“一號文件”,2010年的中央“一號文件”強調要積極引導社會資金進入小額信貸領域,加快培育各類新型農村金融機構。我國從20世紀90年代就開始探索發(fā)展小額信貸,逐步的開始去解決農民“貸款難、難貸款”等各種問題,逐漸的去改善農村的金融服務。但在農村,由于農戶基本上沒有抵質押品,而農業(yè)生產又具有很大的不穩(wěn)定性,因此對于農村金融來說,模式的創(chuàng)新、金融知識的普及固然重要,但從金融機構尤其是擁有大多數(shù)農村市場的信用社、農村商業(yè)銀行、農村合作銀行等機構自身的發(fā)展與安全方面來講,又面臨著各種各樣的風險與難題,因此,在這樣的背景下,研究農戶貸款的風險,找出農戶貸款的風險防范機制至關重要。2014年對銀行業(yè)來講,不良貸款上升壓力不斷,銀監(jiān)會也在不斷強調要加強銀行風險防范,而對于農商銀行、農村合作銀行來講,做好農戶貸款的風險防范、降低風險發(fā)生的概率對于銀行自身、對于農戶、銀行業(yè)的發(fā)展以及整個經濟的發(fā)展都具有重大的意義。農村金融機構作為農村金融的主力軍和聯(lián)系農民的金融紐帶,是目前我國農村資金和金融服務的主要提供者,其貸款風險的高低不但直接關系到自身的生存和發(fā)展,也關系到我國農業(yè)結構調整和農村經濟發(fā)展。但農村金融機構仍存在不少問題,特別是貸款風險問題,如果風險得不到有效管理和控制,將嚴重制約農村金融機構的發(fā)展,影響到我國新農村建設。農戶貸款作為農村金融機構現(xiàn)在的主要信貸產品和未來的重點推廣產品,其風險問題對農村金融機構影響很大。本文闡述了農村金融機構不良貸款占比較高、案件頻發(fā)的風險現(xiàn)狀,按照風險不同參與者的標準,將農戶貸款風險劃分信用風險、管理風險、政策風險和環(huán)境風險四大類,并具體分析了風險的表現(xiàn)形式和成因,探討了風險應對措施。同時,運用層次分析法—模糊綜合評價方法對某農戶風險進行了案例研究。
[Abstract]:China, as a traditional agricultural country, rural population accounts for the majority, but with the downward economic situation and the national policy to expand domestic demand put forward. The rural construction and development have more and more influence on the overall economic development of our country, and the development of the rural economy is closely related to the development of rural finance. Since 2004. The Central Committee of the Communist Party of China has issued seven "No. 1 documents" with the theme of "agriculture, countryside and farmers" in succession. In 2010, the "No. 1 document" of the Central Committee stressed the need to actively guide social funds into the field of microfinance. In 1990s, China began to explore the development of microfinance, gradually began to solve the farmers "difficult, difficult to loan" and other problems. Gradually to improve the rural financial services. But in rural areas, because farmers basically do not pledge goods, and agricultural production has a lot of instability, so for rural finance, the innovation of the model. The popularization of financial knowledge is important, but from the financial institutions, especially the credit cooperatives, rural commercial banks, rural cooperative banks and other institutions own development and security aspects. Also facing a variety of risks and problems, therefore, under such a background, the study of the risk of farmers loans, to find out the risk prevention mechanism of farmers loans is very important. 2014 for the banking sector. Non-performing loans rising pressure, the Banking Regulatory Commission is also constantly stressed to strengthen bank risk prevention, and for agricultural banks, rural cooperative banks, to do a good job on the risk prevention of farmers' loans. To reduce the probability of risk occurrence for the bank itself, for farmers. The development of banking and the development of the whole economy are of great significance. Rural financial institutions as the main force of rural finance and financial ties linked to farmers. Is the main provider of rural funds and financial services in China, the level of loan risk is not only directly related to their survival and development. It is also related to the adjustment of agricultural structure and the development of rural economy. However, there are still many problems in rural financial institutions, especially the problem of loan risk, if the risk can not be effectively managed and controlled. It will seriously restrict the development of rural financial institutions and affect the construction of new rural areas in China. Farmers' loans are the main credit products of rural financial institutions and the key promotion products in the future. The risk problem has a great impact on rural financial institutions. This paper describes the rural financial institutions non-performing loans account for relatively high, frequent cases of the risk situation, according to the risk of different participants standards. The credit risk, the management risk, the policy risk and the environmental risk are divided into four categories, and the forms and causes of the risk are analyzed in detail, and the measures to deal with the risk are discussed. A case study on the risk of a farmer was carried out by using the analytic hierarchy process (AHP)-fuzzy comprehensive evaluation method.
【學位授予單位】：陜西師范大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.4

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