大兴安岭农商行农户小额贷款风险管理研究

发布时间：2018-08-24 15:46

【摘要】：农业信贷供给是农村金融的核心部分，对于支持和促进“三农”发展意义重大。为积极改善农村信贷服务缺位问题，2000年以来，农户小额贷款作为一种普惠性的创新安排开始在我国正式运行，并在十多年间迅速发展壮大，有效缓解了农户融资难问题，为新农村建设发挥了极其重要的作用。以农村商业银行、农村信用社为代表的地方法人金融机构是我国农户小额贷款的最重要供给主体。但受多种因素影响，，当前其信贷风险管理水平仍然比较滞后，限制了农户小额贷款业务的健康可持续发展。本文立足于农户小额贷款对“三农”发展的重要性，基于当前国内外有关小额贷款风险管理的研究成果，以黑龙江省第一家农村商业银行大兴安岭农商行为研究对象，通过文献阅读、实地调研、定量与定性分析等方法，首先分析了该行农户小额贷款的资产质量状况和风险管理现状，进而分析了其风险管理在组织架构、内控机制、信用评级建设、风险评估预警、激励约束机制、人力资源建设以及利率定价等方面存在的主要问题，最后结合实际提出了优化大兴安岭农商行农户小额贷款风险管理的有关建议，并设计了相关外部保障方案。通过本文研究，有助于更加清晰的认识农商行农户小额贷款风险管理体系存在的主要制度缺陷，也为农商行在改制转型过程中有效加强农户小额贷款风险管理提供了比较系统性和普适性的解决方案，对于促进农户小额贷款业务的健康可持续发展，进一步增强农商行的支农主力军作用，提供了一些有益的启示和借鉴。
[Abstract]:Agricultural credit supply is the core part of rural finance, which is of great significance to support and promote the development of agriculture, rural areas and farmers. In order to improve the absence of rural credit service actively, since 2000, peasant household microfinance, as a kind of inclusive and innovative arrangement, has started to run formally in our country, and has developed rapidly in more than a decade, which effectively alleviates the problem of farmers' financing difficulties. For the new rural construction has played an extremely important role. The local legal person financial institution represented by rural commercial banks and rural credit cooperatives is the most important supplier of small loans to farmers in China. However, due to the influence of many factors, the level of credit risk management is still lagging behind, which limits the healthy and sustainable development of farmers' microfinance business. Based on the importance of farmers' small loans to the development of agriculture, rural areas and farmers, and based on the current domestic and international research results on the risk management of small loans, this paper takes the first rural commercial bank of Heilongjiang Province as the research object. Through the methods of literature reading, field investigation, quantitative and qualitative analysis, this paper first analyzes the present situation of asset quality and risk management of the small loans of farmers in this bank, and then analyzes the risk management in the organizational structure, internal control mechanism, and so on. The main problems in credit rating construction, risk assessment and early warning, incentive and restraint mechanism, human resource construction and interest rate pricing, etc. Finally, the paper puts forward some suggestions to optimize the risk management of farmers' small loans in Daxing'anling Agricultural and Commercial Bank, and designs the relevant external guarantee scheme. Through the research of this paper, it is helpful to understand clearly the main institutional defects in the risk management system of agricultural and commercial bank farmers' small loans. It also provides a more systematic and universal solution for the agribusiness to effectively strengthen the risk management of farmers' small loans in the process of restructuring, which can promote the healthy and sustainable development of farmers' microfinance business. Further strengthen the main role of agricultural banks to support agriculture, and provide some useful inspiration and reference.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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