發(fā)布時(shí)間：2018-01-15 19:38

  本文關(guān)鍵詞：精準(zhǔn)扶貧政策背景下農(nóng)村信用卡業(yè)務(wù)風(fēng)險(xiǎn)評(píng)價(jià)與防范研究　出處：《青島科技大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 金融扶貧 農(nóng)村信用卡 信用風(fēng)險(xiǎn) 風(fēng)險(xiǎn)管理

【摘要】：社會(huì)和諧及國(guó)家繁榮昌盛的基礎(chǔ)是人們生活的安逸,因此我國(guó)“十三五”期間的目標(biāo)就是全面建成小康社會(huì),掃清貧困人口數(shù)量,尤其是農(nóng)村地區(qū)貧困人口要全面掃除。要實(shí)現(xiàn)農(nóng)村地區(qū)的脫貧目標(biāo),國(guó)家和社會(huì)的資金支持不可或缺,通過(guò)高額的經(jīng)濟(jì)扶持來(lái)盤(pán)活整個(gè)農(nóng)村地區(qū)的相關(guān)產(chǎn)業(yè)發(fā)展,讓農(nóng)民的收入提高不止一個(gè)檔次。但各商業(yè)銀行出于自身利益的考慮,很少愿意向農(nóng)戶提供金融支持,綜合農(nóng)戶抵押物不足和單筆資金需求額小的這兩個(gè)特點(diǎn),這樣具有小額循環(huán)信貸功能典型的個(gè)人無(wú)擔(dān)保和無(wú)抵押循環(huán)信貸產(chǎn)品——信用卡似乎能夠很好的彌補(bǔ)這些問(wèn)題,可以在我國(guó)的農(nóng)村金融市場(chǎng)生根發(fā)芽。本文首先從目前我國(guó)金融扶貧的現(xiàn)狀出發(fā),梳理了國(guó)內(nèi)外金融扶貧的研究理論。深入剖析了信用卡的本質(zhì)——循環(huán)信用信貸產(chǎn)品,這款可以解決農(nóng)村無(wú)抵押、無(wú)擔(dān)�！笆谛烹y”問(wèn)題,提出了“農(nóng)村信用卡”的概念,農(nóng)村信用卡目標(biāo)定位是一款專(zhuān)門(mén)面向農(nóng)村市場(chǎng)發(fā)行的具有一般信用卡功能并附帶免息期長(zhǎng)且固定、分期付款手續(xù)費(fèi)低、緊急提現(xiàn)規(guī)定時(shí)間內(nèi)還款無(wú)利息、使用良好可衍生申請(qǐng)中長(zhǎng)期貸款等多種獨(dú)特功能的可以用于豐富農(nóng)村扶貧資金來(lái)源,提供足額扶貧資金的創(chuàng)新金融產(chǎn)品。然后探討了農(nóng)村信用卡的兩種運(yùn)作模式:新農(nóng)合透支墊付信用卡、家庭為單位的農(nóng)村信用卡。針對(duì)農(nóng)戶信貸需求、受訪者對(duì)信用卡及風(fēng)險(xiǎn)了解程度等幾個(gè)方面進(jìn)行了問(wèn)卷調(diào)查。根據(jù)調(diào)查樣本搭建了農(nóng)村信用卡風(fēng)險(xiǎn)評(píng)價(jià)體系,采取科學(xué)的風(fēng)險(xiǎn)評(píng)價(jià)方法評(píng)價(jià)農(nóng)村信用卡的風(fēng)險(xiǎn)。并基于評(píng)價(jià)結(jié)論提出相應(yīng)的對(duì)策建議,即在全社會(huì)倡導(dǎo)先進(jìn)的信用卡風(fēng)險(xiǎn)管理理念和文化,增強(qiáng)農(nóng)村信用卡持卡人的風(fēng)險(xiǎn)意識(shí)、信用意識(shí),從而構(gòu)建全面而系統(tǒng)的農(nóng)村信貸模式,而銀行需要嚴(yán)格審批農(nóng)村信用卡業(yè)務(wù),對(duì)信用卡的使用進(jìn)行追蹤和反饋,通過(guò)引導(dǎo)農(nóng)民購(gòu)買(mǎi)農(nóng)村信用卡保險(xiǎn)進(jìn)一步對(duì)信用卡風(fēng)險(xiǎn)進(jìn)行風(fēng)險(xiǎn)補(bǔ)償。
[Abstract]:The foundation of social harmony and national prosperity is the comfort of people's life. Therefore, the goal of our country during the 13th Five-Year Plan period is to build a well-off society in an all-round way and clear up the number of poor people. In particular, the poor in rural areas should be completely eliminated. In order to achieve the goal of poverty eradication in rural areas, the financial support of the state and society is indispensable. Through the high level of economic support to stimulate the development of related industries throughout the rural areas, so that the income of farmers to improve more than one level, but the commercial banks out of their own interests. Very few willing to provide financial support to farmers, combined with the lack of mortgage farmers and a single small amount of capital demand of these two characteristics. Credit cards, typically individual unsecured and unsecured revolving credit products with micro-revolving credit functions, seem to make up for these problems. It can take root and sprout in the rural financial market of our country. Firstly, this article starts from the present situation of financial poverty alleviation in our country. Combing the domestic and foreign financial research theory of poverty alleviation, in-depth analysis of the nature of credit cards-circular credit products, this section can solve the rural unsecured, unsecured "difficult" problem. This paper puts forward the concept of "rural credit card". The target orientation of rural credit card is a general credit card with the function of general credit card issued for the rural market, with long and fixed interest-free period and low installment fee. Emergency withdrawals within a specified period of time no interest, the use of good derivative applications for medium- and long-term loans and other unique functions can be used to enrich the sources of rural poverty relief funds. The paper discusses two operation modes of rural credit card: new rural cooperative overdraft credit card, rural credit card with family as the unit, and aiming at the farmers' credit demand. The interviewees conducted a questionnaire survey on credit card and risk understanding, and set up a rural credit card risk evaluation system according to the survey samples. Adopt the scientific risk evaluation method to evaluate the risk of rural credit card, and based on the evaluation conclusions, put forward the corresponding countermeasures and suggestions, that is, to advocate the advanced credit card risk management concept and culture in the whole society. Strengthen the rural credit card holders' risk awareness, credit awareness, so as to build a comprehensive and systematic rural credit model, and banks need to strictly approve rural credit card business, to track and feedback the use of credit cards. Through guiding farmers to purchase rural credit card insurance further risk compensation for credit card risk.
【學(xué)位授予單位】：青島科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.2

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