LYy银行涉农贷款发展研究.docx

摘要 经典专科、本科、硕博、研究生、期刊毕业论文 仅供参考 PAGE II 精心整理 仅供参考 勿用作商业用途 摘 要 经过了三十多年的改革与发展，我国农村金融已形成了由银行业金融机构、非银行业金融机构以及其他微型金融组织所共同构成的覆盖范围广、层次多且可持续的农村金融体系，初步解决了农村所需的基本金融服务，农村金融改革取得了一定的成效。农村金融服务主体的多元化推动了涉农贷款的持续快速增长，近几年涉农贷款余额稳步增加，涉农贷款增速高于各项贷款的增速，涉农贷款占各项贷款的比重也稳步增加。近年来，随着普惠金融理念的大力推行，城市商业银行也逐渐成为农村金融市场服务的重要提供者。在涉农信贷市场迅猛发展的情况下，城市商业银行在农村区域的信贷总额有明显增长。 但随着2014年我国经济进入新常态发展模式，经济增速放缓给经济社会各方面均带来了不同程度的压力，商业银行的不良贷款率也有所抬头。加之农村金融本身的弱质性，涉农贷款的风险也逐步增加。新形势下，城市商业银行的涉农信贷是否会持续高增长、涉农信贷质量究竟如何，值得我们探究。 首先，本文从我国农村金融改革、涉农贷款稳步增长、城市商业银行迅猛发展的大背景下，结合当前复杂多变的经济形势与城商行涉农贷款的发展，引出本次研究的背景和意义。 其次，对LY银行面临的宏观和微观背景进行阐释。从当前全球和全国的宏观经济形势和涉农贷款的概念、分类出发，简要介绍了研究对象——LY银行近年来经营情况、贷款情况、涉农贷款情况。 随后，从LY银行涉农贷款的贷款规模、贷款结构、贷款质量三个维度，深入分析其农村贷款及城市涉农贷款的发展情况，为随后的分析奠定数据基础。 通过深度的数据分析，研究发现LY银行现有体制下影响其涉农贷款发展的主要因素，并结合LY银行的实际情况，对其提升涉农贷款的规模和质量提出针对性的建议。 关 键 词：城市商业银行；农村金融；涉农贷款 论文类型：调研类 选题来源：自选  ABSTRACT 经典专科、本科、硕博、研究生、期刊毕业论文 仅供参考 ABSTRACT With the reformation and development in more than thirty years, the rural financial industry in China has formed a multilayered and sustainable rural financial system with extensive coverage, which consists of the banking financial institutions, the non-banking financial institutions and other micro financial organizations. The rural financial system meets the basic needs of financial service in the rural areas. The reformation of rural financial industry has obtained some results. The diversification of consumers in rural financial services has driven the continuous rapid growth of agriculture-related loans. In recent years, the balance of agricultural loan has increased steadily and its growth rates are also higher than other kinds of loans. Moreover, the proportion of the agriculture-related loans in the various loans also has a steady growth. In recent years, with the vigorous implementation of the concept of inclusive finance, urban commercial banks have also gradually become important providers of rural financial market services. Under the circumstance of the rapid development of agriculture-related credit marke