【作者】 张超；

【导师】 姜明辉；

【作者基本信息】 哈尔滨工业大学 ， 工商管理硕士（专业学位）， 2018， 硕士

【摘要】 随着农村信贷市场对资金需求的不断加大,农户贷款需求增加与农户贷款信用风险管理不足之间的矛盾也随之而来。农户贷款占据Y市农村信用社贷款业务的50%以上,在Y市农村信用社农户贷款业务发展过程中,信用风险管理的问题日益突出,严重影响着Y市信用社农户贷款业务的可持续发展,在这样的形势下,对Y市农村信用社农户贷款的信用风险管理问题进行系统性分析具有重要的现实意义。本文旨在通过研究Y市农村信用社农户贷款现阶段存在的信用风险问题,提出符合Y市农村信用社农户贷款信用风险管理的对策,从而最大限度地防范已产生的农户贷款信用风险,达到促进Y市农村信用社农户贷款健康发展的目的。本文首先对Y市农村信用社农户贷款的信用风险总体现状进行综述,其中包括农户贷款资格准入风险现状,贷前调查与贷后管理风险现状。农户贷款现阶段面对的主要信用风险是农户贷款整体风险依然严峻,个别基层信用社农户贷款风险集中显现,农户互保贷款不良率相对较高。针对现阶段农户贷款存在的信用风险问题,在农户个人,企业自身,社会市场三方面对导致现阶段农户贷款信用风险的成因进行详述。在文章的最后一部分,结合Y市农村信用社农户贷款存在的信用风险问题给出控制对策,包括内部防范措施,外部防范措施,加强对贷款农户的指导管理三个方面。更多还原

【Abstract】 As the demand for funds from the rural credit market continues to increase,the contradiction between the increase in the demand for loans from rural households and the lack of credit risk management for rural households will follow.Farmers’ loans account for more than 50% of Y City’s rural credit cooperatives’ loan business.During the development of Y rural credit cooperatives,the problem of credit risk management has become increasingly prominent.This has seriously affected the sustainable development of Y rural credit cooperative farmers’ loan business.Under such circumstances,it is of great practical significance to carry out a systematic analysis of the credit risk management issues of the rural credit cooperatives in Y City.The purpose of this paper is to study the credit risk of rural credit cooperatives in Y city at the present stage,and propose measures to meet the credit risk management of rural households in Y city’s rural credit cooperatives,so as to maximize the prevention of the credit risk of the farmer households that have been generated,and to promote The purpose of the healthy development of rural household credit loans for Y rural credit cooperatives.This article first summarizes the overall credit risk situation of rural household credit loans in Y city rural credit cooperatives,including the current status of farmers’ loan qualification access risk,pre-lending investigation and post-lending management risk status.The main credit risk faced by rural household loans at this stage is that the overall risk of rural household loans is still severe.The risk of individual rural credit cooperative farmer households is concentrated,and the non-performing households have relatively high non-performing loans.In view of the credit risk existing in the current rural household loans,the cause of the credit risk of the farmer household loans at the current stage is elaborated in three aspects: farmer households,enterprises themselves,and social markets.In the last part of the article,combined with the credit risk of the rural credit cooperatives in Y city,the control measures are given,including internal preventive measures,external preventive measures,and strengthening the guidance and management of loaned farmers.更多还原