【摘要】：隨著國(guó)家扶持“三農(nóng)”政策的深入貫徹實(shí)施，我國(guó)農(nóng)村地區(qū)經(jīng)濟(jì)發(fā)展水平不斷提高，銀行業(yè)信貸支農(nóng)力度持續(xù)加大。作為涉農(nóng)貸款重要組成部分，農(nóng)村貸款的規(guī)模也在逐年穩(wěn)步增長(zhǎng)，但受主客觀因素的影響，農(nóng)村金融創(chuàng)新仍普遍存在層次低、額度小、政策扶持缺位、難以滿足“三農(nóng)”發(fā)展需要等問(wèn)題。 本文圍繞著如何化解農(nóng)村信貸的風(fēng)險(xiǎn)，展開了對(duì)農(nóng)村信貸風(fēng)險(xiǎn)控制的應(yīng)用研究。在了解了國(guó)內(nèi)外研究現(xiàn)狀的基礎(chǔ)上，回顧了農(nóng)村信貸的發(fā)展歷程，對(duì)農(nóng)村信貸風(fēng)險(xiǎn)進(jìn)行了界定和分類，從農(nóng)業(yè)產(chǎn)業(yè)、農(nóng)民行為、農(nóng)村區(qū)域三個(gè)方面探討了農(nóng)村信貸風(fēng)險(xiǎn)的特征；闡述了農(nóng)村信用風(fēng)險(xiǎn)相關(guān)理論；分析了農(nóng)村信貸風(fēng)險(xiǎn)的表現(xiàn)形式，從農(nóng)村信貸風(fēng)險(xiǎn)控制的現(xiàn)狀出發(fā)，探討了農(nóng)村信貸風(fēng)險(xiǎn)控制的難點(diǎn)與約束；提出了構(gòu)建農(nóng)村信貸風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系的要求和農(nóng)村信貸分析評(píng)價(jià)指標(biāo)體系的總體思路；在農(nóng)村信貸評(píng)價(jià)指標(biāo)體系設(shè)計(jì)原則的基礎(chǔ)上，構(gòu)建了農(nóng)村信貸風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系，，對(duì)指標(biāo)進(jìn)行了說(shuō)明，并設(shè)計(jì)了農(nóng)戶信用評(píng)分模板；根據(jù)設(shè)計(jì)的評(píng)分模板進(jìn)行了實(shí)證分析，表明該評(píng)分模板具有一定的適用性；根據(jù)我國(guó)的具體實(shí)際情況提出了農(nóng)村信貸風(fēng)險(xiǎn)控制的相應(yīng)對(duì)策及建議，為農(nóng)村信貸可持續(xù)發(fā)展提供了保障。
[Abstract]:With the implementation of the policy of "three rural areas" supported by the state, the level of economic development in rural areas in China has been continuously improved, and the credit support for agriculture in the banking industry has continued to increase. As an important part of agriculture-related loans, the scale of rural loans is steadily increasing year by year, but under the influence of subjective and objective factors, rural financial innovation is still generally low level, small amount, lack of policy support. Difficult to meet the "three rural" development needs and other issues. This paper focuses on how to resolve the risk of rural credit, and studies the application of rural credit risk control. On the basis of understanding the current research situation at home and abroad, this paper reviews the development course of rural credit, defines and classifies the rural credit risk, and probes into the characteristics of rural credit risk from three aspects: agricultural industry, farmer's behavior and rural area. This paper expounds the relevant theories of rural credit risk, analyzes the manifestation of rural credit risk, discusses the difficulties and constraints of rural credit risk control from the current situation of rural credit risk control. The paper puts forward the requirements of establishing the evaluation index system of rural credit risk and the general idea of the evaluation index system of rural credit analysis. On the basis of the design principle of rural credit evaluation index system, this paper constructs the evaluation index system of rural credit risk, explains the index, and designs the credit scoring template of farmers. According to the designed scoring template, the empirical analysis shows that the scoring template has a certain applicability; According to the actual situation of our country, this paper puts forward the corresponding countermeasures and suggestions of rural credit risk control, which provides the guarantee for the sustainable development of rural credit.
【學(xué)位授予單位】：西安科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.43

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