BY農(nóng)商銀行農(nóng)戶(hù)小額貸款風(fēng)險(xiǎn)管理研究.pdf

1、分類(lèi)號(hào)UDC移啊大譬Y：ANGZHOUUNIVERSITY學(xué)號(hào)叢蘭!墨Q璺墾Z密級(jí)碩士學(xué)位論文一(全日制專(zhuān)業(yè)學(xué)位)、，』，BY農(nóng)商銀行農(nóng)戶(hù)小額貸款風(fēng)險(xiǎn)管理研究指導(dǎo)教師姓名：申請(qǐng)學(xué)位級(jí)別：張珊近鱟堡塾撞，型!：l盤(pán)堂，。蒸菱揚(yáng)劌，22墨QQ仝二碩士論文提交日期：，2Q!晝生二魚(yú)旦一!蘭：旦論文答辯曰期：2Q!墨生三：旦2魚(yú)壁學(xué)位授予單位i』塹劌—繕學(xué)位授予目攥多一2Q!曼髯亙基≥Q旦二：～i答辯委員會(huì)主席：‘一’i’2018年6月ABST

2、RACTⅡAsanimportantpartofChina’Sruraleconomyruralcommercialbanksbeartheresponsibilityofsupportingthe”agriculture，ruralareasandfarmers”Asacorporatebank，ithasbranchesineverytown，providingmoreconvenientfinancialservicesforfa

3、rmersAmongtheseservices，farmers’smallloansisflbusinessofinclusivefinance，whichispopularamongfarmersSincethebusinessbeganin2000，ithasbeendevelopingrapidlyformorethantenyears，fillingthegapsintheruralareasinChinacreditservi

4、ces，forfarmerswithfundingneedsprovidesaconvenientchannel，butasacommercialorganization，thecoregoalofruralcommercialbankistopursueprofitmaximizationInfluencedbyvariousreasonssuchaspolicyeconomyenvironmentandSOon，theaverage

5、levelofloanriskmanagementinruralareasofourcountryislowatpresent，andtheagriculturalcommercialbankhasgreatlyimprovedtheriskmanagementlevelThisarticleusesBYRuralCommercialBankastheresearchobject，first，fullystudytherelatedco

6、nceptsandbasictheoriesofruralhouseholds。microcreditriskmanagement，identifytheriskofmicro—creditforruralhouseholds，conductresearchandanalysisonthecurrentstatusandcausesofmicro—creditriskmanagementforruralhouseholds，andfin

7、allyproposecountermeasurestostrengthenriskmanagement，tohelpfarmerssolvetheproblemofunfunded，activelysupportruraleconomicdevelopment，increaseagriculturalincome，increasefarmers’incomeInthispaperthroughliteraturereading，ons

8、iteinvestigations，andcaseanalysisIcollectedinformationontheriskmanagementofsmallscaleloansforruralhouseholdsofBYRuralCommercialBankandthenfullyidentifiedtherisk，includingnaturalrisks，creditrisks，operationalrisks，marketri

9、sks，andreputationrisks，presentedtheproblemsandcausesintheriskmanagementofsmallhouseholdloansforfarmers，andputforwardsomecorrespondingsuggestionstohelpBYRuralCommercialBanktounderstandtheexistingproblemsandsystemdefectsmo

10、reclearlytospeedupthetransformationprocessofselfreform，andstrengthentheriskmanagementofmicrocreditloanstofarmers，furtherenhancetheactiveserviceconsciousnessofthe”agriculture，ruralareasandfarmers”mainforce，andconstantlyim