黑龙江省农业银行农户小额贷款现状及完善措施研究-工商管理专业论文.docxVIP

Classified Index: F810.42 U.D.C.: 336.2 A Dissertation for the Degree of MBA PRESENT CONDITION AND IMPROVEMENT MEASURES OF PETTY LOAN FOR THE PEASANT HOUSEHOLD OF AGRICULTURAL BANK OF CHINA HEILONGJIANG BRANCH Candidate： Liu Yanbing Supervisor： Prof. Cheng Liwei Academic Degree Applied for： MBA Affiliation： Agricultural Bank of China Heilongjiang Branch Date of Defense： May, 2010 Degree-Offering-Institution： Harbin Institute of Technology 摘 要 农业银行农户小额贷款业务作为一种有效的农村金融融资方式为推动各地 方农村经济发展和农业产业结构调整，以及农民增收都发挥了积极的作用。黑 龙江省农业银行农户小额贷款业务以其贷款方式多样、用款方式灵活、贷款利 率低的特点受到黑龙江省广大农户的欢迎，在农村金融市场占有了一席之地。 但在黑龙江省农业银行农户小额贷款业务不断发展带来效益的同时，问题也随 之而来。为推进黑龙江省农业银行农户小额贷款业务的健康持续发展，本文对 黑龙江省农业银行农户小额贷款业务的发展现状及完善措施进行了研究。 首先明确阐述了黑龙江省农业银行农户小额贷款的定义、特点、分类、用 途、准入条件及流程；其次从国内和国外两个方面分别介绍了印度工业信贷投 资银行（ICICI）和吉林省农业银行在开展农户小额贷款业务方面的有效经验， 并论述了从这两家银行的经验中得到的启示；再次，指出了黑龙江省农业银行 农户小额贷款业务发展过程中存在的一系列问题，即农户小额贷款发放力度不 够和质量不高、农户小额贷款业务发展优势不明显、回收面临较大风险，并针 对这三个方面的问题进行深刻分析，总结出产生问题的原因，主要是奖励制度 不完善、政府不适当干预、同业间恶性竞争、风险补偿和担保机制以及农村征 信体系不健全。最后提出通过加强银政合作和同业合作、银保合作、银企合作， 以及加强黑龙江省农业银行农户小额贷款业务管理四个方面的完善措施，可以 有效的解决黑龙江省农业银行农户小额贷款业务发展中存在的问题，不断推进 业务发展。 关键词：农户小额贷款；风险补偿；担保机制 Abstract As a kind of effective financing in countryside, the petty loan for peasant household providing by Agricultural Bank of China plays a positive role in promoting the local rural economic development, adjusting the agricultural structure and increasing the peasant’s income. The petty loan for peasant household proving by Agricultural Bank of China Heilongjiang branch is welcomed by peasants in the Heilongjiang Province for the characteristics of the varied loans, flexible way in using the loans and low interest rates and occupies a place in the rural financial market. When the petty loan for peasant household in Heilongjiang Province grows and brings benefits at the same time, some problems are followed. In order to promoting the healthy and sustainable development of the petty loan for peasant household in the Heilongjiang Province, the author research the development status