【摘要】：隨著我國社會各界近年來對“三農(nóng)”關(guān)注程度和支持力度的不斷提升,農(nóng)戶貸款作為金融機(jī)構(gòu)商業(yè)化支持農(nóng)業(yè)生產(chǎn)經(jīng)營的重要手段,其重要性不斷提升,但在業(yè)務(wù)發(fā)展的過程中,農(nóng)民信用意識較差,農(nóng)戶貸款違約率較高的問題也一直困擾著各家金融機(jī)構(gòu),黑龍江省農(nóng)行從自身社會責(zé)任和政治責(zé)任出發(fā),對農(nóng)戶進(jìn)行信貸資金支持更是責(zé)無旁貸。因此,如何在業(yè)務(wù)發(fā)展的過程中,既做到農(nóng)戶貸款的有效投放,助力精準(zhǔn)扶貧、推動農(nóng)業(yè)生產(chǎn),體現(xiàn)商業(yè)價值,又做到信用風(fēng)險的有效控制,保證資產(chǎn)質(zhì)量、控制信貸風(fēng)險,實現(xiàn)良性發(fā)展,就成為了擺在相關(guān)農(nóng)行員工面前的一道信貸難題�；谝陨媳尘�,本文試圖從黑龍江省農(nóng)行農(nóng)戶貸款信用風(fēng)險分析的角度出發(fā),采取博弈模型法、文獻(xiàn)法、案例法等方式,按照確定問題、分析原因、提出對策的流程,依托模型得出結(jié)論,并結(jié)合文獻(xiàn)理論和業(yè)務(wù)發(fā)展實際案例加以論證。按照這一研究思路,本文首先以國內(nèi)外各項理論研究為基礎(chǔ),明確農(nóng)戶貸款存在的內(nèi)外部信用風(fēng)險,根據(jù)實際案例歸納信用風(fēng)險問題,在業(yè)務(wù)發(fā)展背景下細(xì)致分析黑龍江省農(nóng)行農(nóng)戶貸款業(yè)務(wù)在發(fā)展過程需面對的各項挑戰(zhàn)。繼而利用博弈論模型分析信用風(fēng)險問題,將其成因歸結(jié)為主觀原因和客觀原因兩類原因,對農(nóng)戶生產(chǎn)經(jīng)營能力不足、信用意識淡薄、抗災(zāi)能力薄弱等一系列主觀原因進(jìn)行分析,同時詳述客觀環(huán)境造成農(nóng)戶貸款出現(xiàn)信用風(fēng)險的原因,而后從貸款準(zhǔn)入、業(yè)務(wù)調(diào)查、強化擔(dān)保、創(chuàng)新模式和貸后管理等多個角度提出黑龍江省農(nóng)行農(nóng)戶貸款信用風(fēng)險防范的內(nèi)部對策,并圍繞完善農(nóng)村地區(qū)征信體系、三權(quán)確權(quán)流轉(zhuǎn)體系建設(shè)等熱點問題,針對現(xiàn)有縣域地區(qū)信用環(huán)境為相關(guān)部門提出建議,以期進(jìn)一步防范農(nóng)戶貸款信用風(fēng)險,在實現(xiàn)銀行商業(yè)化利潤的同時優(yōu)化縣域農(nóng)戶貸款的整體氛圍,逐步解決農(nóng)民“貸款難、貸款貴”的難題。
[Abstract]:With the increasing attention and support to agriculture, rural areas and farmers in recent years, as an important means of commercializing financial institutions to support agricultural production and management, the importance of farmers' loans has been increasing. However, in the process of business development, farmers' credit awareness is poor, and the problem of high default rate of farmers' loans has been troubling various financial institutions. The Agricultural Bank of Heilongjiang Province starts from its own social and political responsibilities. To the peasant household carries on the credit fund support is duty-bound. Therefore, in the process of business development, not only the effective investment of farmers' loans, the precision of poverty alleviation, the promotion of agricultural production, the embodiment of commercial value, but also the effective control of credit risks can ensure the quality of assets and control credit risks. To achieve sound development, has become a credit problem in front of the relevant Agricultural Bank employees. Based on the above background, this paper tries to use the game model method, the literature method, the case law and so on from the angle of the agricultural bank of Heilongjiang province to analyze the credit risk of the farmers, according to the determination of the problem, analysis the reasons, put forward the process of countermeasures. Draw a conclusion based on the model, and combined with the literature theory and practical cases of business development to demonstrate. According to this research train of thought, this paper firstly makes clear the internal and external credit risk of peasant household loan based on the theoretical research at home and abroad, and sums up the credit risk problem according to the actual cases. Under the background of business development, this paper analyzes the challenges in the development process of agricultural bank of Heilongjiang province. Then using the game theory model to analyze the credit risk problem, the causes can be divided into two kinds of reasons: subjective reason and objective reason. A series of subjective reasons, such as insufficient production and management ability, weak credit consciousness, weak ability to resist disasters, are analyzed. At the same time, it details the reasons for the credit risk caused by the objective environment, and then from the perspective of loan access, business investigation, and strengthening the guarantee, This paper puts forward the internal countermeasures to prevent the credit risk of agricultural households in Heilongjiang Province from the innovative mode and the management after loan, and focuses on the hot issues, such as perfecting the credit information system in rural areas and the construction of the transfer system of the three rights to confirm the right, and so on. In view of the existing county area credit environment, this paper puts forward some suggestions for the relevant departments, in order to further guard against the credit risk of farmers' loans, optimize the overall atmosphere of the county farmers' loans while realizing the commercial profits of the banks, and gradually solve the difficulties of the farmers' loans. The problem of expensive loans.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.43

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