余姚农村合作银行小额贷款业务发展研究

发布时间：2018-06-02 10:17

本文选题：小额贷款 + 农村合作银行　；参考：《南京农业大学》2013年硕士论文

【摘要】：国家长期以来高度重视农村经济发展问题,在中央促进农村经济发展的政策措施中,都把金融加大对农村经济的支持作用放在十分重要的位置,同时也对发展小额贷款业务提出了明确要求。作为农村金融的主力军,农村合作金融系统发展小额贷款是贯彻落实国家农村金融政策、切实解决“三农”问题、做好农村金融服务的客观要求。而由于农村特殊的金融生态环境和市场竞争状态,使得发展小额信贷业务成为农村合作金融机构提升核心竞争力的手段,发展小额贷款业务是发达地区农村合作金融机构的必然选择。中央促进农村经济发展的政策为小额贷款的发展拓宽了空间,小额贷款作为国际上有名的扶贫形式,在孟加拉国、印度尼西亚等国都取得了巨大的成功,这为我国发展商业化小额贷款提供了宝贵经验。针对我国的实际国情,国内金融机构也创新发展了山西“平遥”小额信贷模式、“农信社”小额信贷模式和陕西“商洛”小额信贷模式,这位余姚农村合作银行小额信贷业务的开展提供了良好的借鉴价值。通过描述性分析,对余姚农村合作银行小额贷款业务的发展现状进行剖析,可以发现农合行小贷业务仍然存在以下问题：一是小额贷款的比重仍然较低,在保持贷款质量的前提下需要加大小贷拓展力度；二是小额贷款的抵债方式仍显落后,主要以普通保证和联保为主,缺乏有效的抵押物；三是小额贷款中不良贷款率逐渐增多,存在较大的风险；四是小额信贷产品仍然缺乏,不能很好地适应农户、小微企业的需求,产品创新亟待推进；五是余姚农合行整体业务管理水平有待提高,特别是针对小额贷款,更需要创新的手段和方法；六是小额贷款面临的发展环境不乐观,市场竞争不断加剧和农村信用环境的缺失是最主要的难题。当然,小额信贷也有着国家政策大力支持和贷款需求旺盛的市场机会,以及余姚本地良好的经济发展水平和区域产业生态,对于余姚农村合作银行来说更有着资产质量和网络覆盖广的优势,这是其他贷款和其他行所不具有的良好条件。在以上分析的基础上,针对余姚农村合作银行小额信贷业务存在的问题和有利条件,我们提出以下对策建议。首先应该确立小额贷款的发展战略,创新小额贷款运作机制,然后在控制小额贷款经营成本的基础上加强小额贷款营销,为农村合作金融机构带来新的业务和利润增长点。
[Abstract]:For a long time, the state has attached great importance to the issue of rural economic development. In the policies and measures taken by the central authorities to promote rural economic development, it is very important for the government to strengthen the role of finance in supporting the rural economy. At the same time, the development of small loans business put forward a clear request. As the main force of rural finance, the development of microfinance in rural cooperative finance system is the objective requirement of carrying out the national rural financial policy, solving the "three rural" problems and doing well the rural financial services. Due to the special financial ecological environment and market competition in rural areas, the development of microfinance business has become a means for rural cooperative financial institutions to enhance their core competitiveness. The development of small loans is the inevitable choice of rural cooperative financial institutions in developed regions. The central government's policy of promoting rural economic development has widened the scope for the development of micro-loans, which, as a well-known form of poverty alleviation in the world, have achieved great success in Bangladesh, Indonesia and other countries. This provides valuable experience for the development of commercial small loans in China. In view of the actual situation of our country, domestic financial institutions have also innovated and developed Shanxi's "Pingyao" micro-credit model, "rural credit cooperative" micro-credit model and Shaanxi "Shangluo" micro-credit model. This Yuyao Rural Cooperative Bank microfinance business development provided a good reference value. Through descriptive analysis, this paper analyzes the present situation of the small loan business of Yuyao Rural Cooperative Bank, and finds that there are still some problems in the small loan business: first, the proportion of small loans is still low. Under the premise of maintaining the quality of loans, it is necessary to increase the expansion of small loans; second, the debt repayment methods of small loans are still lagging behind, mainly in the form of general guarantees and guarantees, and lack of effective collateral; third, the ratio of non-performing loans in small loans is gradually increasing. There are greater risks; fourth, microfinance products are still lacking, unable to meet the needs of farmers, small and micro enterprises, product innovation needs to be promoted urgently; fifth, the overall business management level of Yuyao Agricultural Hedding Bank needs to be improved. Especially for microfinance, we need more innovative means and methods; sixthly, the development environment facing microfinance is not optimistic, the market competition is increasing and the lack of rural credit environment is the most important problem. Of course, microcredit also has a market opportunity of strong state policy support and strong demand for loans, as well as a good level of local economic development and regional industrial ecology in Yuyao. For Yuyao Rural Cooperative Bank, it has more advantages of asset quality and wide network coverage, which is not a good condition for other loans and other banks. On the basis of the above analysis, we put forward the following countermeasures and suggestions in view of the problems and favorable conditions of the micro-credit business of Yuyao Rural Cooperative Bank. Firstly, the development strategy of microfinance should be established, the operation mechanism of microfinance should be innovated, and then the marketing of micro-loan should be strengthened on the basis of controlling the operating cost of micro-loan, so as to bring new business and profit growth point to rural cooperative financial institutions.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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