晋城市农村信用社小额贷款风险问题的研究bgp7knju.doc

晋城市农村信用社小额贷款风险问题的研究 摘 要 农村信用社小额贷款是我国深化农村信用社改革的创新，是农村信用社等农村金融机构向农户、农村工商户以及农村小企业提供的额度较小的贷款。对缓解农村资金短缺、支持农村金融建设、发展农村经济、改善农民生活方面具有重大意义。但是作为一个新生事物，农村信用社小额贷款在发展过程中也存在一些问题，其中最为突出的就是风险管理问题。随着我国经济改革的不断深入，如何促农村信用社稳健经营，确实加强小额贷款风险管理；如何及时调整完善相关政策, 切实加强业务监督和指导,大力发展农村小额贷款是当前广大农村信用社小额贷款面临的重要挑战。近年来，农村小额贷款在完善农村金融市场、推动农村经济增长、提高农民生活水平方面发挥了巨大的作用。然而，由于贷款性质特殊，小额贷款在运作过程中也面临很多问题。面对经济全球化浪潮的冲击和加入时间贸易组织后大举抢滩中国市场的跨国信用社的挑战以及知识经济时代日益加剧的市场竞争压力，晋城市农村信用社所面临的各种风险问题在不断的加剧。如何在激烈的竞争中立于不败之地，使晋城市农村信用社健康有序的发展，如何建立一套有效的风险预警系统加强防范小额贷款风险成为晋城市农村信用社或得进一步发展的当务之急。本文第一章对研究的背景及研究的内容及结构进行了概述；第二章阐述了小额贷款及贷款风险的相关理论知识；第三章结合晋城市农村信用社的具体情况，分析了农村信用社小额贷款的风险特点及风险现状；第四章从管理风险、信用风险、政策风险三方面对晋城市农村信用社小额贷款存在的风险进行了详细分析；第五章根据上述风险的特点及现状，提出了晋城市农村信用社小额贷款风险的对策；第六章对上述晋城市农村信用社小额贷款的相关问题进行了总结，并提出了发展建议。 关键词：农村信用社；小额贷款；晋城市；贷款风险 Abstract Rural credit cooperatives of small loans as the innovation of Chinas rural financial system, is the rural credit cooperatives and other rural financial institutions to provide rural households and rural small businesses, small amount of loans to farmers. Has the great significance to alleviate the shortage of funds to support rural, rural finance, rural economic development, improve the lives of farmers. But as a new thing, rural credit cooperatives microfinance also exist some problems in the development process, the risk is to highlight the management problems for which. With the continuous deepening of economic reform, how to promote the operation of rural credit cooperatives, strengthen micro credit risk management; how to adjust and improve relevant policies, strengthen supervision and guidance services, vigorously develop the rural microfinance is an important challenge in rural credit cooperatives microfinance faced. In recent years, the rural micro credit plays an important role in improving the rural financial market, rural economic growth, improve the living standard of farmers. However, due to the special nature of microfinance loans, it also faces many problems in the process of operation. The press