【摘要】：作為一個農(nóng)業(yè)大國,農(nóng)村地區(qū)的經(jīng)濟發(fā)展對我國經(jīng)濟增速的貢獻越來越大,因此,農(nóng)村地區(qū)的金融需求應該受到特別重視。在滿足農(nóng)戶金融需求、幫助農(nóng)民盡快脫貧致富、促進農(nóng)村經(jīng)濟繁榮的過程中,農(nóng)村信用社的小額信貸業(yè)務起著舉足輕重的作用。由于各種內(nèi)外在原因,比如農(nóng)戶還款意識差、農(nóng)村地區(qū)信用水平低、農(nóng)村信用社風險識別、評估、控制制度不健全等,再加上小額信貸業(yè)務獨特的性質(zhì),使得農(nóng)村信用社在發(fā)放小額信貸過程中除了面臨一般貸款業(yè)務的風險以外,還面臨著特有的風險,這導致小額信貸業(yè)務的推廣受到很大限制。 為了使農(nóng)村信用社更好的推廣小額信貸業(yè)務,使農(nóng)戶小額信用貸款能更好的服務“三農(nóng)”,真正起到滿足農(nóng)戶金融需求、帶動農(nóng)村地區(qū)經(jīng)濟發(fā)展的作用,就必須認真分析小額信貸特點,主動識別小額信貸風險來源,對風險進行定量評估,在此基礎上實現(xiàn)對小額信貸風險的控制。 文章以河北ZD農(nóng)村信用社為研究對象,結合其小額信貸業(yè)務發(fā)展狀況,從內(nèi)部監(jiān)管和外部監(jiān)管兩個方面闡述了其風險管理現(xiàn)狀,并總結了現(xiàn)階段河北ZD農(nóng)村信用社小額信貸業(yè)務風險監(jiān)管過程中存在的問題；為了能夠更好的識別和評估風險,文章在現(xiàn)有小額信貸風險識別和評估模型----Logit回歸模型的基礎上,借助SPSS軟件甄選出相關性較強的因素,剔除了相關性較弱的變量,為河北ZD農(nóng)村信用社建立了一套小額信貸風險識別和評估的技術體系；結合一系列的分析和研究,文章對農(nóng)村信用社小額信貸業(yè)務風險管理提出了相關建議,包括建立規(guī)范的農(nóng)戶信用評級制度、確立完善的貸前調(diào)查流程、構建嚴格的貸款審查程序、實施獨立的貸后追蹤檢查、建立健全責任追究制度等。
[Abstract]:As a large agricultural country, the economic development in rural areas contributes more and more to the economic growth of our country. Therefore, the financial needs of rural areas should be paid special attention to. In the process of meeting the financial needs of farmers, helping farmers to get rid of poverty and becoming rich as soon as possible, and promoting the prosperity of rural economy, the micro-credit business of rural credit cooperatives plays an important role. Due to various internal and external reasons, such as poor repayment consciousness of farmers, low credit level in rural areas, risk identification, evaluation and control system of rural credit cooperatives, and so on, coupled with the unique nature of microcredit business, Rural credit cooperatives in the process of issuing microcredit in addition to the risk of general loan business, but also face a unique risk, which leads to great restrictions on the promotion of microfinance business. In order to make the rural credit cooperatives better promote the micro-credit business and enable the farmers to provide better service for agriculture, rural areas and farmers, they can truly meet the financial needs of farmers and promote the economic development of rural areas. It is necessary to analyze the characteristics of microfinance, identify the source of microfinance risk, and evaluate the risk quantitatively, on the basis of which we can control the risk of microfinance. Taking Hebei ZD Rural Credit Cooperative as the research object and combining the development of its micro-credit business, this paper expounds the present situation of its risk management from two aspects: internal supervision and external supervision. In order to better identify and evaluate the risks, this paper is based on the existing microfinance risk identification and evaluation model -logit regression model, and summarizes the existing problems in the process of microfinance business risk supervision in Hebei ZD Rural Credit Cooperatives, and in order to better identify and evaluate the risks, this paper based on the existing microfinance risk identification and evaluation model-logit regression model. With the help of SPSS software to select the factors with strong correlation and eliminate the variables with weak correlation, a set of technical system for the identification and evaluation of microfinance risk is established for Hebei ZD Rural Credit Cooperative, which combines a series of analysis and research. This paper puts forward some relevant suggestions for the risk management of micro-credit business of rural credit cooperatives, including establishing a standardized credit rating system for farmers, establishing a perfect pre-loan investigation process, and constructing a strict loan examination procedure. Implement an independent post-loan follow-up inspection, establish and improve the accountability system.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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