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| 湖南省农商行小额农贷风险研究 摘要 近年来，“三农问题”较为突出，小额农贷对于此问题解决具有重大意义。农业小额农贷（又称“小额农贷”）是农商行按照中国人民银行的要求，以农商行存款和农商行贷款为担保，开发的支持“三农”（农业农村农民）的小额农贷和联保贷款中央银行再贷款的资金来源与地方政府的配合。小额农贷因其额小，简便，灵活备受青睐。其主要特点是：一是自然人贷款，以农民为贷款对象；二是贷款额度小，具体额度因不同地区的经济发展而异；三是实行信用贷款。无需抵押担保，手续相对简单；四是贷款额度一次审批，可用于周转；五是实行贷款利率优惠，要求利率优惠减轻农民负担。因此，本文在分析小额农贷发展现状的基础上，提出存在的问题，研究其发展的对策。 【关键词】小额农贷；农商行；风险 In recent years, the "three rural issues" are more prominent,and small agricultural loans are of great significance to solve this problem. Agricultural small agricultural loans (also known as "small agricultural loans") are small agricultural loans and joint guarantee loans developed by agricultural commercial banks in accordance with the requirements of the people's Bank of China,with the deposits and loans of agricultural commercial banks as guarantees to support "agriculture, rural areas and farmers". The source of funds of central bank's refinancing is in coordination with local governments.Because of its small amount, convenience and flexibility, small agricultural loans are favored.Its main characteristics are: first, it takes farmers as the object of loan,which is a kind of natural person loan; second, the amount of loan is small,and the specific amount varies according to the economic development of different regions; third, it implements credit loan. There is no need for mortgage guarantee, and the procedures are relatively simple;fourth, the loan limit can be approved once, which can be used for turnover; fifth,preferential interest rates should be implemented to reduce the burden of farmers. Therefore, based on the analysis of the development status of small agricultural loans,this paper puts forward the existing problems and explores the Countermeasures for its development. 【Key words】Small agricultural loans;Rural Commercial Bank; Risk |
