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MBA毕业论文_山农村商业银行小额贷款业务存在的问题与对策研究PDF

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I 摘要 近些年来,伴随着新型城镇化和乡村振兴战略的深入推进,农村商业银行小 额贷款业务日益受到重视。2018年中央一号文件提出,要“提高金融服务水平, 坚持农村金融改革发展的正确方向,健全适合农业农村特点的农村金融体系,推 动农村金融机构回归本源,把更多金融资源配置到农村经济社会发展的重点领域 和薄弱环节,更好满足乡村振兴多样化金融需求。”这对新时代农村商业银行小 额贷款业务发展提出了新的要求。可以说,农村商业银行在乡村振兴中发挥着非 常重要的作用,对于乡村振兴的支持是全方面、立体化的,乡村振兴离不开农村 商业银行的鼎力支持。那么,农村商业银行如何立足乡村,以服务农民、农业为 主要任务,从而提供更加廉价优质的金融服务给农户、涉农企业等主体,发挥好 金融在整合各类资源方面的作用,最终更好推动乡村地区经济社会的更好发展, 这是一个亟待解决的重要问题。纵观国内外有关于小额贷款业务发展的相关研究, 大多数都集中在对其发展的模式、方法、现状以及策略等方面,真正以当前社会 发展为背景,深入对小额贷款业务的案例研究则比较少,结合区域经济的发展模 式,针对典型案例,剖析小额贷款业务发展所面临的瓶颈问题则更少。因而在此 基础上,本研究提出了小额贷款业务发展的问题及改进策略研究,一方面可以推 动农村小额贷款的发展更加趋于地方性特征,满足乡村振兴战略的实施需要,另 一方面更可以从国内的发展现状,总结当前我国小额贷款业务发展的经验,并推 动其不断向着服务三农的方向发展,切实为解决农村经济发展中所遇到的问题而 给出有针对性的解决意见。 本研究将系统分析庐山农村商业银行小额贷款业务发展的现状,发现问题的 症结所在,并找到问题的解决方法,以便能积极的应对,基于国外小额贷款业务 发展的经验及启示,最后提出庐山农村商业银行小额贷款业务的优化路径(明确 说发现了什么问题,提出了什么措施),这无疑对保障庐山农村商业银行小额贷 款业务的平稳发展,健全农村金融市场,更好推进乡村振兴战略和精准扶贫工作 有着重要的现实意义。(不要对自己的论文下结论) 摘要应该说明用了什么方法,做了哪些研究,取得了什么结果等,下面具体 内容写得太少 关键词:农村商业银行;小额贷款;风险控制;产品设计;标准化 Abstract II Abstract Inrecentyears,withthedeepeningofthenewurbanizationandrural revitalizationstrategy,ruralcommercialBankshaveincreasinglyattachedimportance tosmallloanbusiness.Putforwardthecentralfileno.1,2018,to"improvethelevelof financialservices,adheretothecorrectdirectionofthedevelopmentoftherural financialreform,improvetheruralfinancialsystemsuitedtothecharacteristicsofthe agricultureandruralareas,promoteruralfinancialinstitutionstoreturntotheorigin, themorefinancialresourcesallocationtoruraleconomicandsocialdevelopmentof keyareasandweaklinks,andbettermeetthedemandofruralrevitalizationof diversifiedfinancial."Thisputsforwardnewrequirementsforthedevelopmentof smallloanbusinessinruralcommercialBanksinthenewera.Itcanbesaidthatrural commercialBanksplayaveryimportantroleinruralrevitalization,andsupportfor ruralrevitalizationiscomprehensiveandthree-dimensional,andruralrevitalization cannotbeseparatedfromthefullsupportofruralcommercialBanks.Sohowrural commercialbankbasedonthecountry,toservethefarmers,agricultureasthemain task,andthusprovidemorecheaphighqualityfinancialservicesforfarmers, agriculturalenterprises,suchasthemainbody,playagoodfinancialroleonthe integrationofvariousresources,finallytobetterpromotethedevelopmentofrural economyandsocietybetter,thisisanimportantproblemtobesolved.Throughoutthe domesticandforeignrelatedresearchonmicrofinancebusinessdevelopment,most havefocusedonthemodeofitsdevelopment,themethod,thepresentsituationand strategy,etc.,thecurrentsocialdevelopmentoftherealasthebackground,in-depth casestudyofmicrofinancebusinessisless,combiningwiththeregionaleconomic developmentpattern,inviewofthetypicalcases,analyzethemicrocreditbusiness developmentbottleneckproblemfacingisless.Andonthisbasis,putforwardthe smallloansbusinessdevelopmentproblemsandstrategiestoimprovetheresearch,on theonehand,canpromotethedevelopmentofruralmicrocreditmorelocal characteristics,meettheneedsofthecountrytheimplementationofthestrategyof rejuvenating,ontheotherhand,morecanfromthedomesticdevelopmentpresent situation,summarizesthecurrentChina'ssmallloanfastbusinessdevelopment experience,andconstantlypromoteitsdevelopmentinthedirectionoftheserviceto agriculture,ruralareasandfarmers,andtosolvetheproblemsencounteredinthe developmentofruraleconomyandtargetedsolutionisgiven. Abstract III ThispaperstudiesthesystemanalysisofLuShanmountainruralcommercial banksmallloansbusinessdevelopmentpresentsituation,findthecruxoftheproblem, andfoundthesolutiontotheproblem,soastoactivelydealwith,basedonthe developmentofsmallloanbusinessabroadexperienceandenlightenment,finallyput forwardtheLuShantheoptimizationpathofruralcommercialbanksmallloans business,nodoubttoensureLuShansteadydevelopmentofruralcommercialbank smallloansbusiness,improvetheruralfinancialmarket,andbetterpromotethe strategyofrejuvenatingruralandprecisepovertyalleviationworkhasimportant practicalsignificance. Keywords:ruralcommercialbank;Smallloans;Riskcontrol;Productdesign; standardized 目录 IV 目录 1.绪论.............................................................................................................................1 1.1选题背景及研究意义.......................................................................................1 1.2国内外研究综述...............................................................................................3 1.2.1国外相关研究.........................................................................................3 1.2.2国内相关研究.........................................................................................4 1.3本文的研究方法及内容安排...........................................................................8 1.3.1主要研究方法.........................................................................................8 1.3.2主要研究内容.........................................................................................9 1.4技术路线........................................................................................................10 2.相关理论概述...........................................................................................................12 2.1小额贷款的内涵及其功能.............................................................................12 2.1.1小额贷款的内涵...................................................................................12 2.1.2小额贷款的功能...................................................................................12 2.2金融发展理论.................................................................................................13 2.3农村金融理论.................................................................................................13 2.3.1农业信贷补贴论...................................................................................14 2.3.2农村金融市场论...................................................................................15 2.3.3不完全竞争市场理论...........................................................................15 2.4小额贷款理论.................................................................................................16 3.庐山农村商业银行小额贷款业务发展的现状.....................................................18 3.1庐山农村商业银行的简介.............................................................................18 3.2庐山农村商业银行小额贷款业务发展的基本现状.....................................19 3.2.1庐山农村商业银行小额贷款业务现状...............................................19 3.2.2庐山农村商业银行小额贷款业务从业人员现状...............................21 3.3庐山农村商业银行小额贷款业务发展的主要特征.....................................22 3.4庐山农村商业银行小额贷款业务发展的案例分析.....................................24 3.4.1“诚商信贷通”小额信贷........................................................................25 3.4.2“财政惠农信贷通”小额信贷................................................................26 3.4.3“扶贫贷”小额信贷................................................................................26 4庐山农村商业银行小额贷款业务存在的问题及原因分析...................................28 4.1庐山农村商业银行小额贷款业务存