BY農(nóng)商銀行農(nóng)戶小額貸款風險管理研究.pdf

1、分類號UDC移啊大譬Y：ANGZHOUUNIVERSITY學號叢蘭!墨Q璺墾Z密級碩士學位論文一(全日制專業(yè)學位)、，』，BY農(nóng)商銀行農(nóng)戶小額貸款風險管理研究指導教師姓名：申請學位級別：張珊近鱟堡塾撞，型!：l盤堂，。蒸菱揚劌，22墨QQ仝二碩士論文提交日期：，2Q!晝生二魚旦一!蘭：旦論文答辯曰期：2Q!墨生三：旦2魚壁學位授予單位i』塹劌—繕學位授予目攥多一2Q!曼髯亙基≥Q旦二：～i答辯委員會主席：‘一’i’2018年6月ABST

2、RACTⅡAsanimportantpartofChina’Sruraleconomyruralcommercialbanksbeartheresponsibilityofsupportingthe”agriculture，ruralareasandfarmers”Asacorporatebank，ithasbranchesineverytown，providingmoreconvenientfinancialservicesforfa

3、rmersAmongtheseservices，farmers’smallloansisflbusinessofinclusivefinance，whichispopularamongfarmersSincethebusinessbeganin2000，ithasbeendevelopingrapidlyformorethantenyears，fillingthegapsintheruralareasinChinacreditservi

4、ces，forfarmerswithfundingneedsprovidesaconvenientchannel，butasacommercialorganization，thecoregoalofruralcommercialbankistopursueprofitmaximizationInfluencedbyvariousreasonssuchaspolicyeconomyenvironmentandSOon，theaverage

5、levelofloanriskmanagementinruralareasofourcountryislowatpresent，andtheagriculturalcommercialbankhasgreatlyimprovedtheriskmanagementlevelThisarticleusesBYRuralCommercialBankastheresearchobject，first，fullystudytherelatedco

6、nceptsandbasictheoriesofruralhouseholds。microcreditriskmanagement，identifytheriskofmicro—creditforruralhouseholds，conductresearchandanalysisonthecurrentstatusandcausesofmicro—creditriskmanagementforruralhouseholds，andfin

7、allyproposecountermeasurestostrengthenriskmanagement，tohelpfarmerssolvetheproblemofunfunded，activelysupportruraleconomicdevelopment，increaseagriculturalincome，increasefarmers’incomeInthispaperthroughliteraturereading，ons

8、iteinvestigations，andcaseanalysisIcollectedinformationontheriskmanagementofsmallscaleloansforruralhouseholdsofBYRuralCommercialBankandthenfullyidentifiedtherisk，includingnaturalrisks，creditrisks，operationalrisks，marketri

9、sks，andreputationrisks，presentedtheproblemsandcausesintheriskmanagementofsmallhouseholdloansforfarmers，andputforwardsomecorrespondingsuggestionstohelpBYRuralCommercialBanktounderstandtheexistingproblemsandsystemdefectsmo

10、reclearlytospeedupthetransformationprocessofselfreform，andstrengthentheriskmanagementofmicrocreditloanstofarmers，furtherenhancetheactiveserviceconsciousnessofthe”agriculture，ruralareasandfarmers”mainforce，andconstantlyim