解决好“三农”问题，是我国如期实现全面小康的重要一步，国家近几年不断 鼓励金融机构加快发展农户贷款业务，金融机构作为国家经济的重要参与者，践行 自身使命，紧跟国家相关政策要求，深化精准扶贫的工作力度，大力发展农户贷款 业务。农户贷款可以有效缓解农户融资难问题，同时是发放贷款的机构效益来源的 组成部分。随着近几年农户贷款的不断发展，其中蕴含的各种风险也日渐暴露，农 户不良贷款风险越加复杂化与多样化。 文章除了运用案例分析法选取青岛YC银行对其进行分析之外，还借助了问卷 调查法、实证分析法，通过调查问卷获取大量真实的数据构建回归方程对数据进行 统计分析以加强对青岛YC银行农户不良贷款成因探究的逻辑性与科学性，这些结 果都将以图表形式进行呈现，最大程度补充丰富文章论据。 文章针对青岛YC银行展开研究，同时运用多种研究方法。重点探索青岛YC 银行农户不良贷款的成因，进而抓住根源提出相对应的解决办法。通过研究发现， 目前由于青岛YC银行的农户不良贷款形式严峻，其增长规模到结构分布已经影响 到银行的盈利能力。通过研究分析得知区域、学历、行业、贷款用途、首贷授信额 度、贷款不良年份、贷款金额、贷款余额和贷款不良原因等是影响农户不良贷款的 指标，其影响程度逐渐加强。这为青岛YC银行矫正农户不良贷款现状提供了依据， 让青岛YC银行能够结合以上几个指标对三查机制进行完善，提出更好的风险防范 对策。 在贷款三查机制理论基础上，本文提出对青岛YC银行关于三查机制的完善与 相应的防范措施。研究结论将对指导青岛YC银行在新时代下更好的实践普惠金融， 完善贷款三查机制理论，因此文章具有实践意义和借鉴意义。 关键词：农户；不良贷款；成因；对策 StudyontheCausesandCountermeasuresofNon-performingFarmers' LoansofQingdaoYCBank Abstract Solvingtheproblemof"agriculture,ruralareasandfarmers"isanimportantstepfor ourcountrytoachieveawell-offsocietyinanall-roundwayasscheduled.Inrecentyears, thestatehascontinuouslyencouragedfinancialinstitutionstospeedupthedevelopment ofpeasanthouseholdloanbusiness.Financialinstitutions,asimportantparticipantsinthe nationaleconomy,havecarriedouttheirownmission,closelyfollowtherequirementsof relevantnationalpolicies,deepentheworkofprecisionpovertyalleviation,and vigorouslydevelopthepeasanthouseholdloanbusiness.Farmers'loanscaneffectively alleviatetheproblemoffarmers'financingdifficulties,butalsothepartoftheinstitutional benefitsourceofloans.Withthecontinuousdevelopmentoffarmers'loansinrecentyears, theriskscontainedinthemarealsoexposeddaybyday,andtheriskofnon-performing loansoffarmersbecomesmorecomplicatedanddiversified. BesidesusingthecaseanalysismethodtoselecttheQingdaoYCBanktoanalyzeit, thepaperalsousesthequestionnairesurveymethod,theempiricalanalysismethod, throughthequestionnairetoobtainalargenumberofrealdatatoconstructtheregression equationtocarryonthestatisticalanalysistothedatatostrengthenthelogicand scientificnatureoftheinquiryintothecausesofthenon-performingloansofthefarmers inQingdaoYCBank,theseresultswillbepresentedintheformofchartstosupplement therichargumenttothegreatestextent. BasedontheresearchofQingdaoYCBank,avarietyofresearchmethodsareused. Focusonexploringthecausesofnon-performingloansoffarmersinQingdaoYCBank. andthengrasptherootcausesandproposecorrespondingsolutions.Basedonthe research,itisfoundthatthenon-performingloanformofQingdaoYCBankissevere, anditsgrowthscaletostructuredistributionhasaffectedtheprofitabilityofthebank. Throughtheresearch,wedrawtheconclusion:fortheregion,education,industry,loan use,thefirstloancreditline,loanbadyear,loanamount,loanbalanceandloanbad reasonsaretheindicatorsthataffectfarmers'non-performingloans,andthedegreeof influenceisincreasingsuccessively.ThisprovidesthebasisforQingdaoYCBankto correctthecurrentsituationofnon-performingloans,sothatQingdaoYCBankcan combinetheaboveseveralindicatorstoimprovethethree-checkmechanism,andput forwardbetterriskpreventioncountermeasures. Basedonthethree-checkmechanism,thispaperputsforwardsomemeasuresto improvethethree-checkmechanisminQingdaoYCBank.Conclusionwillguide QingdaoYCBankintheneweratobetterpracticeinclusivefinance,improvetheloan mechanismtheory,sothearticlehaspracticalsignificanceandreferencesignificance. Keywords:farmers;non-performingloans;causes;countermeasures 目录 第1章引言........................................................................................................................1 1.1研究背景和意义...........................................................................................................1 1.1.1研究背景...................................................................................................................1 1.1.2研究意义...................................................................................................................2 1.2国内外研究现状...........................................................................................................2 1.2.1国外研究现状...........................................................................................................2 1.2.2国内研究现状...........................................................................................................4 1.3研究内容与方法...........................................................................................................7 1.3.1研究内容...................................................................................................................7 1.3.2研究方法...................................................................................................................7 1.4基本思路与框架结构...................................................................................................8 1.4.1研究思路...................................................................................................................8 1.4.2研究的框架...............................................................................................................8 1.5本文的主要贡献与创新点...........................................................................................8 第2章相关的理论基础..................................................................................................10 2.1相关概念界定.............................................................................................................10 2.1.1农户贷款.................................................................................................................10 2.1.2农户不良贷款.........................................................................................................10 2.2基础理论.....................................................................................................................11 2.2.1普惠金融理论.........................................................................................................11 2.2.2信息不对称理论.....................................................................................................11 2.2.3贷款三查理论.........................................................................................................12 第3章青岛YC银行农户不良贷款现状........................................................................15 3.1青岛YC银行简介......................................................................................................15 3.2青岛YC银行农户贷款概况......................................................................................15 3.2.1农户贷款产品.........................................................................................................15 3.2.2农民贷款业务特征.................................................................................................15 3.2.3青岛YC银行农户农业贷款办理条件..................................................................16 3.3青岛YC银行农户不良贷款现状...............................................................................16 3.3.1不良贷款规模及其增长趋势.................................................................................17 3.3.2不良贷款的结构分布.............................................................................................18 3.3.3不良贷款对银行利润的影响.................................................................................20 第4章青岛YC银行农户不良贷款影响因素分析..............