如何完善农户小金额贷款的管理.doc
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如何完善农户小金额贷款的管理,摘 要:近年来,人民银行坚持监管与服务相结合,把监管寓于服务之中,积极传导信贷政策,指导和督促农村信用社广泛开展农户小额信用贷款,并且已经取得了阶段性成果。但是,目前还存在一些突出矛盾和问题。只有进一步完善相关制度与优化外部环境,才能确保农户小额信用贷款工作健康持续地开展,才能更好地实现农民...
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如何完善农户小金额贷款的管理
摘 要: 近年来,人民银行坚持监管与服务相结合,把监管寓于服务之中,积极传导信贷政策,指导和督促农村信用社广泛开展农户小额信用贷款,并且已经取得了阶段性成果。但是,目前还存在一些突出矛盾和问题。只有进一步完善相关制度与优化外部环境,才能确保农户小额信用贷款工作健康持续地开展,才能更好地实现农民增收与信用社增效的“双赢”目标。
本文从农户小金额(信用)贷款的概念、特点、操作流程入手,阐述了该项业务的重要意义,并从宏观、微观以及具体的操作风险等不同维度分析了目前该项业务存在的问题,并提出了相应的对策。
关键词:农户、小额信用贷款、农村信用社
Summary : In recent years, the People's Bank persisted supervises and manages and the service unifies, lies within supervising and managing during the service, positively conducts the credit policy, instructs and supervises the countryside credit association widely to develop the peasant household jot credit loan, and has already yielded the gradual result. But, also has some prominent contradictions and the question at present. Only then further consummates the correlation system with to optimize the external environment, can guarantee the peasant household jot credit loan work health continually to develop, can realize the farmer to additionally receive well synergizes with the credit association "double wins" the goal.
This article the concept, the characteristic, the operation flow which (credit) loans from the peasant household small amount obtain, elaborated this service vital significance, and from macroscopic, microscopic as well as the concrete operation risk and so on the different dimension has analyzed the present this service existence question, and proposed the corresponding countermeasure.
Keyword:Peasant household, jot credit loan, countryside credit association
【目 录】
引言………………………………………………………………………………(3)
一农户小金额(信用)贷款的基本概念、特点及操作流程…………………(4)
1.1农户小金额(信用)贷款的概念…………………………………………(4)
1.2农户小额信用贷款特点…………………………………………………(4)
1.3农户小额信用贷款的基本操作规程……………………………………(5)
二实施农户小额信用贷款的重要意义………………………………………(5)
2.1小额信用贷款支持了农业结构调整和农民制富………………………(5)
2.2解决了农民贷款难,密切了同人民群众的关系………………………(6)
2.3推动了农民信用观念的提高……………………………………………(6)
三农户小额信用贷款目前存在的问题……………………………………… (6)
3.1宏观中的“四大矛盾”…………………………………………………(6)
3.2微观中的“瓶颈”………………………………………………………(7)
3.3贷款过程中的操作风险…………………………………………………(9)
四加强农户小金额信用贷款管理的建议与对策……………………………(10)
4.1宏观、微观问题的解决思路……………………………………………(10)
4.2操作风险的防范措施……………………………………………………(12)
4.3进一步完善农户小额信贷模式主要方法………………………………(14)
结 论…………………………………………………………………………(15)
参考文献………………………………………………………………………(16)
致谢……………………………………………………………………………(17)
摘 要: 近年来,人民银行坚持监管与服务相结合,把监管寓于服务之中,积极传导信贷政策,指导和督促农村信用社广泛开展农户小额信用贷款,并且已经取得了阶段性成果。但是,目前还存在一些突出矛盾和问题。只有进一步完善相关制度与优化外部环境,才能确保农户小额信用贷款工作健康持续地开展,才能更好地实现农民增收与信用社增效的“双赢”目标。
本文从农户小金额(信用)贷款的概念、特点、操作流程入手,阐述了该项业务的重要意义,并从宏观、微观以及具体的操作风险等不同维度分析了目前该项业务存在的问题,并提出了相应的对策。
关键词:农户、小额信用贷款、农村信用社
Summary : In recent years, the People's Bank persisted supervises and manages and the service unifies, lies within supervising and managing during the service, positively conducts the credit policy, instructs and supervises the countryside credit association widely to develop the peasant household jot credit loan, and has already yielded the gradual result. But, also has some prominent contradictions and the question at present. Only then further consummates the correlation system with to optimize the external environment, can guarantee the peasant household jot credit loan work health continually to develop, can realize the farmer to additionally receive well synergizes with the credit association "double wins" the goal.
This article the concept, the characteristic, the operation flow which (credit) loans from the peasant household small amount obtain, elaborated this service vital significance, and from macroscopic, microscopic as well as the concrete operation risk and so on the different dimension has analyzed the present this service existence question, and proposed the corresponding countermeasure.
Keyword:Peasant household, jot credit loan, countryside credit association
【目 录】
引言………………………………………………………………………………(3)
一农户小金额(信用)贷款的基本概念、特点及操作流程…………………(4)
1.1农户小金额(信用)贷款的概念…………………………………………(4)
1.2农户小额信用贷款特点…………………………………………………(4)
1.3农户小额信用贷款的基本操作规程……………………………………(5)
二实施农户小额信用贷款的重要意义………………………………………(5)
2.1小额信用贷款支持了农业结构调整和农民制富………………………(5)
2.2解决了农民贷款难,密切了同人民群众的关系………………………(6)
2.3推动了农民信用观念的提高……………………………………………(6)
三农户小额信用贷款目前存在的问题……………………………………… (6)
3.1宏观中的“四大矛盾”…………………………………………………(6)
3.2微观中的“瓶颈”………………………………………………………(7)
3.3贷款过程中的操作风险…………………………………………………(9)
四加强农户小金额信用贷款管理的建议与对策……………………………(10)
4.1宏观、微观问题的解决思路……………………………………………(10)
4.2操作风险的防范措施……………………………………………………(12)
4.3进一步完善农户小额信贷模式主要方法………………………………(14)
结 论…………………………………………………………………………(15)
参考文献………………………………………………………………………(16)
致谢……………………………………………………………………………(17)