毕业论文 我国农村信用社农户小额贷款浅析.doc

摘要 PAGE 1 毕业论文 题目：我国农村信用社农户小额贷款浅析 摘 要 农户小额贷款作为一项增强信贷支农服务功能的重大措施，在解决农民贷款难问题、支持农村经济发展、促进农村增收等方面发挥了重要而积极的作用。随着国际社会小额信贷在发展中国家成功经验的推广，我国也对小额信贷给予了更多的关注。 本文对当下我国农信社农户小额贷款存在的市场风险、信用风险、操作风险以及管理风险等问题进行了分析，提出了强化利率风险管理，加强信用风险管理，规范操作风险管理以及提高管理风险能力等建议，从而有助于促进我国农村信用社农户小额贷款业务的健康发展。 【关键词】农村信用社 农户小额贷款 风险 ＡＢＳＴＲＡＣＴ PAGE 3 ABSTRACT Farmers small loans are the major measures on strengthen credit support service function. It had played an important and positive role in solving problems of farmers’ difficulty in getting loans, supporting for rural economic development and prompting increasing rural incomes and the like. With promoting the successful experience in developing countries on the international community microfinance, our country also give more attention on that. The paper analyzed some risks existing in the rural farmers’ microfinance in our country, including market risk, credit risk, operation risk and risk of management and so on, and gave some ideas like strengthening interest-rate risk management, enhancing credit risk management, standardizing the operating risk management, improving the ability of risk management and so on., Thus to promote the healthy development of rural credit cooperatives farmers microfinance business in our county. 【Key words】 Rural credit cooperatives; Small loans to farmers; Risk 目录 PAGE 4 目 录 TOC \o 1-2 \h \z \u HYPERLINK \l _Toc277456583 一、前言 PAGEREF _Toc277456583 \h 4 HYPERLINK \l _Toc277456584 二、农村小额贷款产生和发展的背景 PAGEREF _Toc277456584 \h 5 HYPERLINK \l _Toc277456585 （一）农户小额信用贷款的内涵 PAGEREF _Toc277456585 \h 5 HYPERLINK \l _Toc277456586 （二）国外小额贷款的产生和发展 PAGEREF _Toc277456586 \h 5 HYPERLINK \l _Toc277456587 （三）国内小额贷款的产生和发展 PAGEREF _Toc277456587 \h 5 HYPERLINK \l _Toc277456588 三、我国农户小额贷款现状及存在的问题 PAGEREF _Toc277456588 \h 7 HYPERLINK \l _Toc277456589 （一）农信社的小额信贷比例不断下降 PAGEREF _Toc277456589 \h 7 HYPERLINK \l _Toc277456590 （二）农信社小额农贷存在的主要问题及原因 PAGEREF _Toc277456590 \h 7 HYPERLINK \l _Toc277456591 四、我国农户小额贷款面临的风险 PAGEREF _Toc27