本文選題：包商銀行 + 農(nóng)戶小額信貸��； 參考：《遼寧大學(xué)》2012年碩士論文

【摘要】：近年來,小額貸款業(yè)務(wù)作為國(guó)際金融領(lǐng)域里的一個(gè)重大課題,已經(jīng)被越來越多的國(guó)家和銀行所認(rèn)知和認(rèn)可。國(guó)際上和國(guó)內(nèi)許多金融機(jī)構(gòu)對(duì)它的快速發(fā)展進(jìn)行了大量的研究和探索。 現(xiàn)階段,我國(guó)銀行等金融機(jī)構(gòu)為廣大農(nóng)民提供的各類金融服務(wù)存在相當(dāng)嚴(yán)重的不足,廣大農(nóng)村資金外流現(xiàn)象嚴(yán)重,普遍存在農(nóng)民“貸款難"的問題。《黨中央關(guān)于推進(jìn)農(nóng)村改革發(fā)展若干重大問題的決定》已經(jīng)對(duì)加強(qiáng)農(nóng)村金融改革明確提出了要求,并給予了相關(guān)的政策支持。包商銀行赤峰分行按照國(guó)家的相關(guān)政策要求,同時(shí)參照各類監(jiān)管部門的意見,集中服務(wù)于那些農(nóng)村經(jīng)濟(jì)比重大的地區(qū),堅(jiān)持為該類地區(qū)提供“三農(nóng)”服務(wù),逐步實(shí)現(xiàn)了農(nóng)戶貸款投放總量以及覆蓋面地不斷提高,簡(jiǎn)化農(nóng)戶小額貸款審批手續(xù),確定靈活的還款方式,實(shí)行對(duì)廣大農(nóng)戶的小額貸款的優(yōu)惠利率政策。同時(shí),對(duì)個(gè)別偏僻鄉(xiāng)鎮(zhèn),且地域面積較大的地區(qū),以流動(dòng)服務(wù)方式展開服務(wù),最終提升整體服務(wù)水平�？傮w而言,包商銀行赤峰分行農(nóng)戶小額貸款業(yè)務(wù)取得了較快地發(fā)展,極大地刺激了當(dāng)?shù)剞r(nóng)村經(jīng)濟(jì)的發(fā)展。但是在服務(wù)方式改進(jìn)和服務(wù)質(zhì)量提高的同時(shí),包商銀行赤峰分行在農(nóng)戶小額貸款業(yè)務(wù)的開展方面也遇到了一些難題。針對(duì)包商銀行當(dāng)前在農(nóng)戶小額信貸業(yè)務(wù)方面存在的問題,尋求切實(shí)可行的方案迫在眉睫。 本文根據(jù)包商銀行赤峰分行農(nóng)戶小額信貸業(yè)務(wù)的開展現(xiàn)狀,在分析和總結(jié)中國(guó)農(nóng)戶融資情況的基礎(chǔ)上,對(duì)具有農(nóng)戶融資典型特征的包商銀行赤峰分行農(nóng)戶小額信貸業(yè)務(wù)開展情況進(jìn)行分析和規(guī)劃。著重分析了國(guó)內(nèi)外農(nóng)戶融資的現(xiàn)狀,指出了包商銀行赤峰分行農(nóng)戶融資時(shí)可能存在的問題,并探尋農(nóng)戶小額信貸業(yè)務(wù)在包商銀行進(jìn)一步發(fā)展的對(duì)策,解決赤峰地區(qū)農(nóng)戶“貸款難”問題。 總之,包商銀行赤峰分行開展農(nóng)戶小額貸款,既是應(yīng)承擔(dān)的社會(huì)義務(wù),又是自身長(zhǎng)足發(fā)展的需要。只要科學(xué)設(shè)計(jì)產(chǎn)品,選準(zhǔn)目標(biāo)客戶,因地制宜確定發(fā)展模式,強(qiáng)化管理,嚴(yán)控風(fēng)險(xiǎn),就一定可以獲得豐厚的回報(bào)。
[Abstract]:In recent years, microfinance, as an important subject in international finance, has been recognized and recognized by more and more countries and banks. Many international and domestic financial institutions have carried out a lot of research and exploration on its rapid development. At the present stage, the financial services provided by Chinese banks and other financial institutions to the broad masses of farmers are quite seriously inadequate, and the outflow of funds from the vast rural areas is serious. The decision of the CPC Central Committee on several important issues in promoting rural reform and development has clearly set forth the requirements for strengthening the rural financial reform and has given relevant policy support. The Chifeng Branch of the contractor Bank, in accordance with the relevant policy requirements of the state, at the same time referring to the opinions of various regulatory departments, concentrated on serving those areas with a large proportion of the rural economy, and insisted on providing "three rural" services to such areas. Gradually realized the total amount of farmers' loans and the continuous improvement of the coverage, simplified the approval procedures for small loans, determined flexible repayment methods, and implemented the preferential interest rate policy for small loans to the majority of farmers. At the same time, some remote villages and towns with relatively large geographical area will be served by mobile services, and the overall service level will be improved. In general, Chifeng branch of the contractor bank has made rapid development of micro-credit business, which greatly stimulates the development of local rural economy. However, with the improvement of service mode and service quality, Chifeng Branch of the contractor Bank has encountered some difficulties in carrying out the small loan business of farmers. In view of the problems existing in the microfinance business of peasant households, it is urgent to seek practical solutions. On the basis of analyzing and summarizing the financing situation of Chinese farmers, this paper analyzes and summarizes the current situation of peasant household micro-credit business in Chifeng Branch of contractor Bank. This paper analyzes and plans the development of peasant household microfinance business in Chifeng Branch, a contractor bank with typical characteristics of peasant household financing. This paper emphatically analyzes the present situation of peasant household financing at home and abroad, points out the possible problems existing in the financing of Chifeng branch of contractor bank, and probes into the countermeasures for further development of peasant household micro-credit business in the contractor bank. Solve Chifeng area farmer "loan difficulty" problem. In a word, Chifeng branch of contractor bank is not only the social obligation but also the need of its rapid development. As long as the scientific design products, select target customers, determine the development model according to local conditions, strengthen management, strictly control risks, we will be able to obtain rich returns.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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