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本文基于当前国内外有关农户不良贷款管理的研究成果，以黑河市辖内
主要涉农非政策性银行业金融机构如四大国有商业银行、邮储银行、龙江银
行、农合机构为研究对象，通过文献研究、实地调研、定量与定性分析等方
法，首先分析了黑河市银行业农户贷款业务现状及不良资产情况，并论述了
预防和处置农户不良贷款的现状，而后分别从宏观环境、银行两个方面对不
良贷款成因进行分析，指出了宏观环境中存在的保险机制、贷款担保、行业
环境、信用环境等方面的不完善之处，以及银行管理中存在的内控体系不健
全、清收处置手段不全面、评估量化体系缺失、人力资源严重缺乏等问题，
最后结合实际提出了优化黑河市银行业农户不良贷款管理的有关建议，并设
计了相关的外部保障方案
本文的创新性在于研究的对象是黑河地区银行业金融机构，而不是从某
一机构的角度出发，更有助于结合地区实际凸显整体情况。通过本文研究，
有助于更加清晰的认识黑河市银行业农户不良贷款管理中存在的制度缺陷，
也为加强管理提供了比较系统性和普适性的解决方案，对于促进农户贷款业
务的可持续发展，进一步增强金融支农作用，提供了一些有益的启示和借鉴
关键词：农户贷款；不良贷款；风险控制哈尔滨工业大学工商管理硕士学位论文
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Abstract
Agricultural credit supply is the core of rural finance, which is of great
significance to support and promote the development of three rural
issues---agriculture, rural areas and farmers. Farmer loan business, as a general
arrangement of innovation, effectively solves the financing difficulties of the
farmer, and playing an extremely important role in new rural construction.
However, the Heihe farmer loans in practice are mostly based on the credit of the
lender, lack of necessary collateral, is a high-risk loan varieties, agriculture in
the rank of traditional industries, the mechanization of large-scale production is
not universal, traditional peasant economy dominated by the state’s agricultural
production, are highly uncertain risk industry. In addition, for the imperfect
management system of banking and the lack of employees’ quality, the
management level of farmers’ non-performing loans is still lagging behind.
This thesis based on the current research about non-performing loans home
and abroad, this paper takes four state-owned commercial banks, postal savings
bank Longjiang bank and agricultural cooperative in Heihe as the research object.
Through scientific methodology of field investigation, literature reading,
qualitative and quantitative analysis, this paper first analyzes the current
situation of farmer loan business and non-performing in Heihe. Secondly, it
analyzes the causes of non-performing from macro environment and bank
respectively, and then points out the insufficiency of insurance mechanism, loan
guarantee, industry environment and credit environment in macro environment,
as well as the internal control in the bank management is not perfect, clearing
and disposal means is not comprehensive, the lack of quantitative assessment
system, the shortage of human resources and so on. Finally, the paper presents
the suggestion as how to optimize and promote farmers’ non-performing loans
management in Heihe banks, along with a related external security policy.
The innovation of this paper is to take the banking financial institution of
Heihe as the object of study, rather than from an institutional point of view,
which is beneficial to highlighting the overall situation with the region actual.
Through this study, it will be more clear to understand the main defects of哈尔滨工业大学工商管理硕士学位论文
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farmers’ non-performing loans management in Heihe banks, and a systematic and
universal solution will be given to further strengthen management. Likewise, it
will be a beneficial reference to promote the sustainable development of farmer
loan business and to further strengthen the role of financial support for
agriculture.
Keywords：farmer loans, non-performing loans, risk control哈尔滨工业大学工商管理硕士学位论文
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目 录
摘要.......I
Abstract..II
第 1 章 绪 论.....1
1.1 课题来源..1
1.2 研究背景和意义.1
1.2.1 研究背景.......1
1.2.2 研究意义.......2
1.3 国内外研究现状及分析 3
1.3.1 国外相关研究现状..3
1.3.2 国内相关研究现状..4
1.3.3 国内外研究现状评述......... 6
1.4 研究内容和方法.6
1.4.1 研究内容及逻辑框架......... 6
1.4.2 研究方法.......8
第 2 章 概念界定和理论基础...........10
2.1 相关概念界定... 10
2.1.1 农户不良贷款的基本概念...........10
2.1.2 农户不良贷款的分类方法...........10
2.2 理论基础11
2.2.1 信用论.........11
2.2.2 信息不对称理论....11
2.2.3 贷款风险管理理论12
2.3 农户不良贷款风险管理方法..12
2.3.1 宏观环境分析法....12
2.3.2 蒙特卡罗法 12
2.3.3 关键风险指标管理法.......13
2.3.4 压力测试法 13
2.3.5 四种方法的比较分析.......13
2.4 农户不良贷款回收率评估方法......... 14
2.4.1 专家打分法 14哈尔滨工业大学工商管理硕士学位论文
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2.4.2 回归分析法 14
2.5 本章小结15
第 3 章 黑河市银行业农户不良贷款现状及管理情况....16
3.1 黑河市银行业农户贷款业务概况......
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