【作者】 张磊；

【导师】 李松；

【作者基本信息】 河北大学 ， 工商管理（专业学位）， 2020， 硕士

【摘要】 农户小额贷款业务对于支持农村经济发展具有不可忽视的重要作用,小额贷款的资金支持,能够有效地消除农村贫困和缩小城乡之间的差距。农户小额贷款这种金融策略,被许多国家采用,并得到世界各国尤其是发展中国家的一致认可。我国在20世纪90年代开始,引入农户小额贷款的有关概念及思路,虽然我国农户小额贷款起步较晚,但经过近三十年的努力发展与摸索,农户小额贷款业务取得了较好的成绩。农户小额贷款成为了我国农村经济发展的主力军,有效的解决了我国广大农村贫困地区农民融资难的问题。当然,农户小额贷款是一项新兴的金融业务,随着时间的推进和金融工作者的努力,也积累了一定的经验和教训。任何信贷业务都存在着风险,农户小额贷款也是一样,这些风险直接影响着银行信贷机构的收益及发展,影响“三农”问题有效的解决,影响着农村经济的可持续发展。农业银行作为我国四大国有银行之一,更担负着艰巨的任务,而解决业务发展中面临农户贷款的信用、市场、操作等风险障碍,这就要求银行不断更新风险管理理念和提升贷款风险管控水平,积极找出适合农户小额贷款切实可行的风险管理对策和与时俱进的有效措施。本文针对农户小额贷款在风险管理中存在的问题,以农行BD分行农户小额贷款风险管理为案例进行了研究。通过分析农行BD分行农户小额贷款风险管理现状,发现存在的一些不足之处,从信用风险管理、操作风险管理、区域风险管理和市场风险管理等四个方面,客观阐述农行BD分行农户小额贷款业务风险管理存在的问题,并客观分析了问题的成因。最后,结合农行BD分行农户小额贷款的特点,从风险管理基本思路、风险管理对策建议等两个方面提出了农行BD分行农户小额贷款风险管理问题的解决办法。更多还原

【Abstract】 Small loan business of farmers plays an important role in supporting rural economic development.Financial support of small loan can eliminate rural poverty and narrow the gap between urban and rural areas.The role of small loans to farmers has been recognized and actively adopted by all countries,especially developing countries.China began to introduce the concept of rural small loan in the 1990 s.Although rural small loan started relatively late,after nearly 30 years of efforts and exploration,rural household small loan business has achieved good results.Farmer small loan has become the main force of rural economic development in China,which effectively solves the problem of financing difficulties of farmers in rural poor areas.Of course,peasant household small loan is also an emerging financial business.With the progress of time and the efforts of financial workers,certain experience and lessons have been accumulated.Of course,there are risks in any credit business,as well as small loans to rural households.These risks directly affect the income and development of bank credit institutions,the effective solution of "three rural issues",and the sustainable development of rural economy.Agricultural bank as one of China’s four big Banks,more for the difficult task,the agricultural bank as a credit institutions have to face these problems,solve the business development of peasant household credit,market,operation risks,the risk of obstacles,which requires the bank update risk management concept and improve loan risk control level,on this basis,actively to find a suitable for farmers microcredit business the actual risk management ideas and effective measures.This paper takes the risk prevention and control of peasant household small loan of ABC BD branch as an example to study the problems in risk management of peasant household small loan.ABC BD branch through analysis of peasant household microfinance risk management status,found some shortcomings,such as credit risk management,risk management,regional operation risk management and market risk management and so on four aspects,objective expounds the farmers BD branch of peasant household microfinance risk management existence question,and an objective analysis of the causes of the problem.Finally,combined with the characteristics of rural household small loan in ABC BD branch,this paper proposes solutions to the risk management problems of rural household small loan in ABC BD branch from two aspects,including basic ideas of risk management and risk management countermeasures and Suggestions.更多还原