【摘要】：農業(yè)對我國國民經濟的影響力巨大。近年來,在國家的大力扶持下,農業(yè)生產的質與量都有了飛躍式提升。但由于地理條件、氣候差異、歷史原因和農業(yè)本身的弱質性等因素,造成我國農業(yè)生產集約化程度低,小規(guī)模農業(yè)生產經營主體構成農業(yè)經濟發(fā)展的主要動力。特別是小微企業(yè),已成為市場上最活躍的力量,其對經濟發(fā)展、提供就業(yè)、技術創(chuàng)新等都有著十分重要的作用。但由于規(guī)模小、資產量少、財務信息不規(guī)范等因素,造成我國農業(yè)小微企業(yè)融資困難,發(fā)展嚴重受阻。本文通過對有關農業(yè)風險與農業(yè)風險管理、農業(yè)小額貸款和企業(yè)風險評價指標體系等相關文獻進行梳理,對各個要素的概念、分類、特征及其成因等相關理論進行闡述,再對我國農業(yè)小微企業(yè)進行小額貸款的外部環(huán)境及自身狀況進行分析,認為要解決農業(yè)小微企業(yè)貸款難的問題,首先要消除金融機構與企業(yè)間的信息不對稱。解決這個問題的途徑之一便是構建一個適用于農業(yè)小微企業(yè)的風險評價指標體系,以便涉農金融機構能夠更加客觀地對農業(yè)小微企業(yè)的小額貸款風險做出評價。本文參考一般風險評價指標體系的構建原則,按照層次分析法的一般步驟,構建了一個包含有7方面因素的24個指標在內的風險評價指標體系,并在此基礎上進行風險綜合評價。綜合評價方法形成后,本文運用該指標體系結合A牧業(yè)公司小額貸款項目進行風險綜合評價,采用數量分析手段對A牧業(yè)公司進行信用評級,進而對該貸款項目風險得出評價結論。最后對以上研究內容進行總結,對研究成果的應用及今后還要進一步補充完善的方向做出展望。
[Abstract]:Agriculture has great influence on our national economy. In recent years, with the support of the country, the quality and quantity of agricultural production have been improved by leaps and bounds. However, due to geographical conditions, climate differences, historical reasons and the weakness of agriculture itself, the degree of intensification of agricultural production in China is low, and the main body of small-scale agricultural production and management constitutes the main driving force for the development of agricultural economy. In particular, small and micro enterprises have become the most active force in the market, which plays a very important role in economic development, providing employment, technological innovation and so on. However, because of the small scale, the small amount of assets, the non-standard financial information and other factors, it is difficult to finance the agricultural small and micro enterprises in our country, and the development of the small and micro enterprises is seriously hindered. Through combing the related literature on agricultural risk and agricultural risk management, agricultural micro-credit and enterprise risk evaluation index system, this paper expounds the concept, classification, characteristics and causes of each element. After analyzing the external environment and its own condition of the small and micro agricultural enterprises in our country, it is concluded that in order to solve the problem of the loan difficulty of the agricultural small and micro enterprises, the information asymmetry between the financial institutions and the enterprises should be eliminated first of all. One of the ways to solve this problem is to construct a risk evaluation index system suitable for agricultural small and micro enterprises, so that agricultural financial institutions can evaluate the risk of small and micro agricultural loans more objectively. According to the general steps of Analytic hierarchy process (AHP), this paper constructs a risk evaluation index system which includes 24 indexes with seven factors, according to the principles of the general risk evaluation index system. On this basis, comprehensive risk evaluation is carried out. After the comprehensive evaluation method is formed, this paper uses the index system to carry on the risk comprehensive evaluation with the A animal husbandry company small loan project, uses the quantity analysis method to carry on the credit rating to the A animal husbandry company. Furthermore, the risk of the loan project is evaluated. Finally, the above research content is summarized, and the application of the research results and the direction of further supplement and perfection are prospected.
【學位授予單位】：首都經濟貿易大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.43

【參考文獻】

相關期刊論文 前10條

1 周霖;溫銳;付志強;;金融錯配視角下小微企業(yè)融資解困誤區(qū)及對策[J];當代財經;2017年01期

2 林鴻基;林振智;林冠強;莫天文;;基于信息熵權和層次分析法的電網關鍵節(jié)點識別[J];廣東電力;2016年12期

3 王鳳強;孫晨源;徐生杰;;農業(yè)中小企業(yè)金融支持研究——基于94家農業(yè)中小企業(yè)的調查[J];吉林農業(yè)科技學院學報;2016年01期

4 謝林橙;;中小企業(yè)融資困境破解路徑研究——基于互聯網金融視角[J];中外企業(yè)家;2016年03期

5 陳杰;吳飛鳴;吳東立;;農業(yè)中小企業(yè)金融支持狀況調查分析[J];現代農業(yè)科技;2015年21期

6 項桂娥;吳義根;;基于SEM模型的農業(yè)企業(yè)風險評價體系研究——以安徽省221家農業(yè)產業(yè)化龍頭企業(yè)為例[J];農業(yè)技術經濟;2012年08期

7 霍海濤;;高科技中小企業(yè)信用風險指標體系及其評價方法[J];北京理工大學學報(社會科學版);2012年01期

8 王亞琴;何萍;;論農村小額貸款的發(fā)展現狀[J];當代經濟;2011年22期

9 陳時興;;農戶小額信用貸款:風險、成因與防范[J];浙江經濟;2011年16期

10 夏萍;汪凱;李寧秀;吳大嶸;;層次分析法中求權重的一種改進[J];中國衛(wèi)生統計;2011年02期

相關重要報紙文章 前1條

1 ;中共中央國務院關于深入推進農業(yè)供給側結構性改革加快培育農業(yè)農村發(fā)展新動能的若干意見[N];人民日報;2017年

相關博士學位論文 前3條

1 劉學文;中國農業(yè)風險管理研究[D];西南財經大學;2014年

2 聶榮;農業(yè)風險及其規(guī)避機制的研究[D];中國農業(yè)科學院;2006年

3 劉金霞;農業(yè)風險管理理論方法及其應用研究[D];天津大學;2004年

相關碩士學位論文 前1條

1 柳亞洲;我國中小型農業(yè)企業(yè)貸款問題研究[D];福建師范大學;2014年

，

本文編號：2356773