文档介绍：河北工业大学
硕士学位论文
我国农村商业银行小额信贷风险控制研究
姓名:曾凯
申请学位级别:硕士
专业:技术经济及管理
指导教师:叶莉
2010-12
河北工业大学硕士学位论

我国农村商业银行小额信贷风险控制研究

摘要

“小额信贷”通常是针对那些低收入人群发放额度小、周期短的贷款的行为。一般主
要以农村的贫困人口作为目标客户并根据客户的家庭结构、主要收入来源、还款意愿及信
用度等具体情况对他们提供相应的小额度贷款,可以说是一种比较特殊的金融方式。农村
商业银行向农村地区提供小额信贷在很大程度上促进了农村经济的发展、调整了农村的产
业结构、帮助了农村贫困人口脱贫致富。但是在农村商业银行小额信贷业务运营过程中,
由于农村地区存在信用环境差、农业基础设施薄弱、农民素质普遍不高、国家支持力度不
够等多方面问题,使得我国农村商银行小额信贷在发展过程中遇到可很大的风险,所以农
村商业银行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。
在本文中,将把层次分析法运用到小额信贷的风险控制当中,用定性和定量相结合的
方法来控制农村商业银行小额信贷的风险。本文的主要内容包括:首先对国内外研究现状
及小额信贷和风险控制方面理论做了描述,其次对我国农村商业银行小额信贷的现状和风
险进行了分析,然后利用层次分析法里面的综合模糊评价模型对农户的信用进行了评级,
最后针对农村商业银行小额信贷存在的风险及问题提出了相关的策略。

关键字:农村商业银行,小额信贷,风险管理,层次分析法

I
我国农村商业银行小额信贷风险控制研究

OUR COUNTRY MERCIAL BANK
MICROFINANCE RISK CONTROL STUDY

ABSTRACT

"Microfinance" is a kind of small loans for short cycle which usually for those low-e
people. The microfinance is a special way of financial which makes the rural poor as a target
according to the circumstances of family structure, the main source of e, the credit
repayment and so on. mercial banks to provide micro-credit in rural areas is helpful
for the development of the rural economy, the adjusting the industrial structure in rural areas and
the rural poor e rich. However, in the process of mercial Bank providing
micro-mercial, micro-credit experience of mercial Bank can be very risky
because of bad credit environment in rural areas there, weak agricultural foundation, poor quality
of farmers and small state support. Therefore, mercial Bank must be addressed
micro-credit risk control in order to achieve rapid development in rural areas.
In this article, we will use AHP to micro-credit risk control and using bination of
qualitative and quantitative methods to control the risk of micro-credit of mercial
Bank. The main contents of this article is describing the research status and micro-credit and risk
control t