农村信用社抵押贷款中存在的问题与对策.DOCVIP

全文联系QQ893628136 农村信用社抵押贷款中存在的问题与对策 摘 要 随着农村信用社体制改革的不断推进,目前,农村信用社已逐渐加大了抵押贷款的比重,改善经营管理。但是，农村信用社业务种类单一，收益性资产几乎全部是贷款资产，风险集中度相当高，尤其是信用风险。农村信用社贷款过程中普遍存在缺乏有效的、可交易流转的抵押品问题,致使农户和农村中小企业难以从农村信用社获得信贷资金支持。因此农村信用社对质押贷款进行研究，不仅具有历史根据，而且具有现实必要性、重要性和紧迫性。基于此，本文首先从农村信用社抵押贷款概述入手，分析农村信用社信用风险不同于一般商业银行也不同于政策性银行信用风险的特殊性，包括贷款环境、形成原因、贷款对象等方面；然后分析农村信用社抵押贷款存在的风险；进而就存在问题探析其形成的原因；之后总结国外对农村合作金融风险的控制，并分析出对我国有借鉴的地方；最后结合我国的国情，提出相应的策略，为国家农村信用社改革尽一份绵薄之力。 关键字 农村信用社；抵押贷款；问题与对策 RURAL CREDIT COOPERATIVES MORTAGAGE PROBLEMS AND COUNTERMEASURES ABSTRACT Along with the Rural credit cooperative organizational reforms unceasing advancement, at present, the Rural credit cooperative has enlarged the mortgage loan proportion gradually, the improvement management and operation. However, rural credit cooperatives and profitable business types single almost all assets loans is fairly high concentration risk assets, especially the credit risk. Therefore the Rural credit cooperative to pawns the loan to conduct the research, not only has the historical basis, and has the realistic necessity, the importance and the pressing. Based on this, this article first obtains from the Rural credit cooperative mortgage loan outline, to analyze the Rural credit cooperative credit risks to be different with the general Commercial bank is also different with the policy-type bank credit risk particularity, Then analyzes the Rural credit cooperative mortgage loan existence the risk; Then searches the reason which on the existence question analyzes it to form; Afterward summarizes overseas rural cooperatives the financial risk control to, and analyzes has the model place to our country; Finally unifies our countrys national condition, proposed that the corresponding strategy, reforms an ones pygmy effort for the country Rural credit cooperative. KEY WORDS Rural credit cooperative; Mortgage loan; Question and countermeasure 目 录 中文摘要 I 英文摘要 II 前言 1 1. 农村信用社抵押贷款概述 1 1.1 我国农村信用社职能 1 1.1.1 我国农村信用社概述 1 1.1.2我国农村信用社重要性 2 2. 农村信用社抵押贷款存在的问题