【作者】 刘超；

【导师】 郭鸿鹏；

【作者基本信息】 吉林大学 ， 农业经济管理， 2012， 硕士

【摘要】 农村小额信贷是农村金融发展的重要表现形式，对于当前我国支持农业发展、破解三农难题、改善农民生产生活条件具有重要的现实意义。但是，应该看到，由于农业天然具有较高的自然风险和市场风险，农民生活水平相对较低、可抵押财产较少，从事农村小额信贷业务的金融机构规模偏小、抵御风险能力较弱等原因，农村小额贷款在运营过程中，普遍面临较高的信用风险、运营风险、环境风险等，这已成为限制农村小额贷款业务继续深入开展的瓶颈性因素。因此，对于农村信用社而言，如何化解、规避小额贷款风险已经成为其发展壮大过程中亟待解决的重要问题。鉴于此，本研究在界定金融风险、农村小额信贷、农村小额贷款主要风险类别的基础上，结合吉林省洮南市农村信用社的实际情况，对农村小额贷款的风险进行定量评价、成因分析和对策研究，对于我国农村小额信贷的规范化、科学化发展和农村信用社的又好又快发展都具有重要意义。具体来看，本研究的主要内容包括如下几个方面：第一，农村小额贷款风险的理论分析。在这部分，我们对金融风险和农村小额贷款的概念进行界定，并在剖析农村金融风险特征和农村小额贷款特点的基础上，结合我国国情，将农村小额贷款的风险类别界定为信用风险、运营风险和环境风险。第二，洮南市农村信用社小额农贷的风险评价。在概述洮南市农村信用社小额农贷业务发展状况的基础上，本部分构建了小额农贷风险评价指标体系，并采用因子分析法对洮南市农信社18个网点机构的小额农贷业务风险进行了定量评价。第三，洮南市农信社小额农贷风险成因分析。针对小额农贷风险评价结果，本部分对洮南市农信社小额农贷的环境风险、运营风险和信用风险的成因进行了实证分析。第四，主要结论与政策建议。结合本研究的实证结论，我们提出破解环境风险、运营风险和信用风险的政策建议。更多还原

【Abstract】 As an important form of rural finance, rural microfinance is meaningful for thesupport of agricultural development, the solution of three dimensional rural issuesand the improvement of production and living conditions. However, it can be seenthat rural microfinance generally faces the higher credit risks, operational risks andenvironmental risks for some reasons as follows: first, agriculture has higher naturalrisks and marketing risks; second, farmers live poorly and have fewer mortgageproperty; third, the financial institutions with rural microfinance are not strong enoughto handle risks. No doubt, these risks have become the main bottleneck factors forthe further progress of rural microfinance. So it is a big problem for rural creditcooperative (RCC) that how to resolve and avoid the rural microfinance. Therefore,according to the conditions of RCC of Taonan city, some quantitative estimation,analysis on the causes and solutions will been given in this thesis based on thedefinition of financial risks, rural microfinance and the main sorts of risks, which issignificant for the normalized and scientific development of rural microfinance andthe faster and healthier development of RCC. Specifically some topics have beenanalyzed such as:1. Theoretical analysis about rural microfinance. In this part, some theoreticalstudies have been given as following: On one hand, concepts of financial risks andrural microfinance will be defined, on the other hand, according to the conditions ofChina, the risks of rural microfinance will been classified as credit risk, operationalrisk and environmental risk on the basis of analysis on the characters of ruralfinancial risks and rural microfinance.2. The evaluation on the rural microfinance risks of Taonan RCC. In second part,an indices system aim to rural microfinance risks estimation will be constructed andthe quantitative evaluation aim to the rural microfinance risks of18branchinstitutions of Taonan RCC will be given with Factors Analysis method.3. Factors analysis of rural microfinance risks of Taonan RCC. According to theresults of risks estimation, some factors lead to environmental risks, operational risks and credit risks will be analyzed based on the conditions of Taonan RCC ruralmicrofinance.4. Main conclusions and policy implications. Some solutions to resolve theenvironmental risks, operational risks and credit risks will be proposed based on theempirical conclusions.更多还原