农村信用社小额贷款存在的问题和对策.pdfVIP

长沙民政职业技术学院 会计专业毕业设计 题 目：湖南省沅江市三眼塘农村信用社小额贷款存 在的问题和对策 类 型： 产品设计 工艺设计 方案设计 √ 学生姓名： 胡诗怡 学 号： 1318013402 班 级： 会计 1334 班 专 业： 会计专业 学 院： 商学院 学校指导教师： 肖冰姝 企业指导教师： 胡志华 2016 年 4 月 30 日 摘 要 近年来,农村信用社始终以坚持为农业、农村和农民服务的目的,基于农村,农业,提高 农业服务方式,大力推进小额信贷贷款给农民和联户担保贷款,创建新的用户,村庄,城镇 活动做了大量的工作,是中国农村信贷管理系统的一个重要改革,是一个做实际工作的具 体体现。这种方法简化了农民贷款的过程,有效地解决农民贷款难的问题,帮助农民解决 生产和生活中的困难和问题, 同时,也提高了农村信用合作社的运营效率,达到“双赢”的目 标,更好的发挥农村金融主力军的作用。然而,农村信用社的小额信贷贷款给农民的作用 进一步发挥,需要采取有效措施来解决。 关键词：信贷管理制度；双赢；小额信用贷款； 目 录 前 言······························································································1 1.单位简介··························································································1 1.1 单位基本信息···············································································1 1.2 单位小额贷款管理介绍···································································1 2.沅江市三眼塘农村信用社小额贷款管理存在的问题 ···································2 2.1 农户认识存在误差·········································································2 2.2 员工水平不足 ············································································ 3 2.3 农信社服务力度不够······································································3 2.4 资金安全操作困难·········································································3 2.5 风险防范措施不完善······································································3 3.对完善沅江市三眼塘农村信用社小额贷款管理的建议 ································4 3.1 加强宣传，提高全社会对农户小额信贷的认识·····································4 3.2 扎实开展信用等级评定工作，建设良好的农村金融生态环境···················4 3.3 加强对信用社内部员工的管理····················