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摘要小额信贷业务于20世纪90年代初期在我国首次开展以来，因其灵活性和便捷性解决了农民生活与发展问题,也为农村信用社的改革与发展注入了新的活力。但是在小额信贷业务运营过程中,由于农村地区的特殊性,使得我国小额信贷在发展过程中遇到很大的风险。所以农村信用社要在农村地区取得快速发展就必须解决小额信贷风险控制问题。
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本文首先研究了风险管理的有关理论,然后以宁波市农村信用社为例 ,对农村信用社开展的小额信贷情况进行考察，剖析了农村信用社开展小额贷款存在的风险及影响因素。在此基础上,本文重点对宁波市农村信用社小额信贷进行SWOT分析，可以发现其拥有着品牌和区位优势，但也存在着经验和人才方面的劣势，此外政府的支持和总体信贷水平的提高为小额信贷的发展提供了难得的机遇，但是也不能忽略了同业竞争所带来的威胁。基于以上分析，最后构建了征信系统子体系、业务流程子体系、、预警指标子体系这三大体系，通过这三个子体系的相互呼应、相互协调，可以全面地控制小额信贷业务风险。8413
关键词 小额信贷 农村信用社 风险管理 SWOT分析
毕 业 论 文 外 文 摘 要
Title China's rural micro-credit risk control mechanism and its influencing factors- A Case Study of Ningbo City, Zhejiang Province Rural Credit Cooperatives
Abstract
As Micro-credit business carried out in China in the early 1990s for the first time. Because of its flexibility and convenience , it not only has solved the farmers' lives and development issues, but also has injected new vitality for the reform and development of rural credit cooperatives. However, in the process of Micro-credit business operations, due to the particularity of the rural areas, China's microfinance encountered great risks in the development process. So the rural credit cooperatives in rural areas to achieve rapid development, must solve the micro-financial risk control problems.
First, we study the theory of risk management, and then taking the rural credit cooperatives in Ningbo City for example , study, analysis of rural credit cooperatives to carry out micro-credit risks and influencing factors of rural credit cooperatives. On this basis, this paper focuses on the rural credit cooperatives, micro-credit in Ningbo City by SWOT analysis ,find the the rural credit cooperatives have brand and location advantages, but there is also the disadvantage of the experience and talent, in addition to government support and the level of the overall credit of provided a rare opportunity to enhance the development of microfinance, but also can not ignore the threat posed by intra-industry competition. Based on the above analysis, we finally build the credit sub-system， the business process sub-system， sub-systems of early warning indicators three systems, echoed by three sub-system coordination, can fully control the risk of micro-credit business.
Keywords microfinance rural credit cooperatives risk management SWOT analysis
目录
1 引言 1
1.1 研究的目的和意义 1
1.2 研究采用的主要方法 1
1.3 文章的结构安排 1
2 理论基础及文献述评 2
2.1 小额信贷的概况介绍 2
2.1.1 小额信贷的定义 2
2.1.2 小额信贷的特征 2
2.2 研究农村小额信贷风险的理论基础 2
2.2.1 不对称理论 3
2.2.2 风险管理理论 3
2.2.3 SWOT分析方法 3
2.3 国内文献综述 4