农村信用社作为我国农村金融的主力军，以服务“三农”为己任，为实现农 民增收、农业增产和农村富裕做出重大贡献。农户小额信用贷款作为农村信用社 解决农户“贷款难、贷款贵”而专门研发的一款信贷产品，在农村信用社自身业 务发展和履行社会责任方面具有十分重要的地位。伴随农村经济的快速发展，农 户对信贷资金的需求不断增加，农户小额信用贷款业务量不断加大，导致不良贷 款比率逐年攀升，农户小额信贷风险管理问题日益凸显，因此，如何运用先进科 学的信贷风险管理方法来管控此类风险，成为农村信用社未来发展中亟待解决的 问题。 本文以甘肃榆中农村合作银行农户小额信用贷款为研究对象，以“发现问题 →分析问题→解决问题”为主线，对甘肃榆中农村合作银行农户小额信用贷款风 险管理中存在的问题进行分析研究，针对存在的问题提出优化的具体方案。首先， 对金融企业风险管理的相关理论进行梳理。其次，对甘肃榆中农村合作银行农户 小额信用贷款风险管理现状进行阐述，找出风险管理中存在的主要问题并对其成 因做了简要分析。最后，运用信贷风险管理相关理论，针对实际问题，提出优化 方案，具体从优化风险监测预警机制、完善贷款审批流程、提高贷后风险管理水 平、强化风险监督检查、提高风险管理人员队伍素质等六个方面，最终实现甘肃 榆中农村合作银行农户小额信用贷款风险管理流程化，贷款审批制度化，贷后管 理科学化，实现甘肃榆中农村合作银行农户小额信贷资产质量提高与业务经营的 可持续发展。同时为保障该方案的实施，根据甘肃榆中农村合作银行农户小额信 用贷款管理实际，提出相应的保障措施。 通过对甘肃榆中农村合作银行农户小额信用贷款风险管理的研究，一是为解 决甘肃榆中农村合作银行农户小额信用贷款风险管理中存在的问题提出优化的 方案，以达到降低甘肃榆中农村合作银行农户小额信用贷款风险，提升信贷风险 管理能力，引导农户小额信用贷款向着良性健康的方向发展；二是为丰富农村信 用社农户小额信用贷款风险管理体系，解决农户小额信贷资金需求问题提供参 考，同时，也为其他金融机构开展农户小额信贷业务提供借鉴。 关键词：甘肃榆中农村合作银行，信贷风险，风险管理； MBA学位论文作者：刘志雄甘肃榆中农村合作银行农户小额信用贷款风险管理研究 II STUDYONRISKMANAGEMENTOFSMALLCREDIT LOANSFORRURALHOUSEHOLDSINYUZHONG RURALCOOPERATIVEBANKOFGANSUPROVINCE Abstract AsthemainforceofruralfinanceinChina,ruralcreditcooperativestakethe serviceof"agriculture,ruralareasandfarmers"astheirowndutyandmakegreat contributionstoincreasefarmers'income,increaseagriculturalproductionandrural prosperity.Asacreditproductspeciallydevelopedbyruralcreditcooperativesto solvetheproblemof"difficulttoobtainloansandexpensiveloans",ruralcredit cooperativesplayaveryimportantroleinthebusinessdevelopmentandsocial responsibilityfulfillmentofruralcreditcooperatives.Alongwiththerapid developmentofruraleconomy,farmersdemandforcreditfundscontinuetoincrease, farmersmicrocreditloansbusinessincreasing,leadtonon-performingloanratiorising yearbyyear,farmersgrowingmicrofinanceriskmanagementproblems,therefore, howtouseadvancedandscientificcreditriskmanagementmethodstocontrolsuch risks,becomeaproblemtobesolvedinthefuturedevelopmentofruralcredit cooperatives. Takinggansufarmersmicrocreditloansyuzhongruralcooperativebankasthe researchobject,to"findproblemstoanalyzeproblems,solvetheproblem"asthe mainline,togansuyuzhongfarmerssmallruralcooperativebankcreditrisk managementanalysisofexistingproblemsintheresearch,putforwardtheoptimized schemefortheexistingproblems.Firstly,therelevanttheoriesofriskmanagementof financialenterprisesaresortedout.Secondly,thepaperexpoundsthecurrentsituation oftheriskmanagementofsmallcreditloansforfarmersingansuyuzhongRural Cooperativebank,findsoutthemainproblemsintheriskmanagementandmakesa briefanalysisofthecauses.Finally,usingthetheoryofcreditriskmanagement related,inviewofthepracticalproblems,putforwardtheoptimizationschemeof concretefromtheoptimizationofriskmonitoringandearlywarningmechanism, improvetheloanapprovalprocess,improvethelevelofcreditriskmanagementafter, strengtheningthesupervisionandinspection,improveriskmanagementteamquality andsoonsixaspects,finallyrealizesthegansuyuzhongfarmerssmallrural MBA学位论文作者：刘志雄甘肃榆中农村合作银行农户小额信用贷款风险管理研究 III cooperativebankcreditriskmanagementflow,loanapprovalinstitutionalization, post-loanmanagementscientific,realizefarmersmicrocredityuzhongingansurural cooperativebankassetqualityimprovementandthesustainabledevelopmentofthe business.Atthesametime,inordertoensuretheimplementationoftheprogram, accordingtotheruralcooperativebankofyuzhonggansufarmerssmallcreditloan managementpractice,putforwardthecorrespondingsafeguardmeasures. Smallfarmersinyuzhongofgansuprovinceruralcooperativebankcreditrisk managementresearch,oneistosolvetheproblemofgansuyuzhongfarmerssmall ruralcooperativebankcreditriskmanagementproblemsthatexistintheoptimization schemeisputforward,inordertoachieveloweryuzhonggansururalcooperative banksmallfarmerscreditrisks,improvecreditriskmanagementability,guidethe farmersofmicrocreditloansinthedirectionofthepositivehealthydevelopment;The secondistoprovidereferenceforenrichingtheriskmanagementsystemofrural creditcooperatives'smallcreditloanstofarmersandsolvingtheproblemoffarmers' demandforsmallcreditfunds.Atthesametime,italsoprovidesreferenceforother financialinstitutionstodevelopfarmers'smallcreditbusiness. Keywords:gansuyuzhongruralcooperativebank,creditrisk,riskmanagement; MBA学位论文作者：刘志雄甘肃榆中农村合作银行农户小额信用贷款风险管理研究 IV 目录 中文摘要......................................................................................................I ABSTRACT......................................................................................................I 第一章绪论................................................................................................1 1.1研究背景与意义..............................................................................................1 1.1.1研究背景...................................................................................................1 1.1.2研究意义...................................................................................................2 1.2研究的主要内容与基本思路..........................................................................3 1.2.1主要内容...................................................................................................3 1.2.2基本思路...................................................................................................4 1.3研究方法与研究框架......................................................................................4 1.3.1研究方法...................................................................................................4 1.3.2研究框架...................................................................................................4 第二章金融企业风险管理的相关理论...................................................6 2.1信贷风险管理的相关概念..............................................................................6 2.1.1信贷风险的基本概念...............................................................................6 2.1.2信贷风险管理的概念...............................................................................7 2.2信贷风险管理的主要内容..............................................................................7 2.2.1信贷风险管理流程...................................................................................7 2.2.2信贷风险管理的有效性分析...................................................................9 2.3全流程风险管理理论......................................................................................9 2.3.1全流程风险管理含义...............................................................................9 2.3.2全流程风险管理的对象.........................................................................10 2.3.3全流程风险管理的环节.........................................................................10 2.4农户小额信用贷款风险管理的基本要求....................................................11 MBA学位论文作者：刘志雄甘肃榆中农村合作银行农户小额信用贷款风险管理研究 V 2.4.1农户小额信用贷款发展现状及基本原则.............................................11 2.4.2农户小额信用贷款操作的基本流程..................................