海南省农村信用社信贷业务发展的问题研究

摘 要

随着小额信贷模式在国外的成功，1993年，借鉴孟加拉国乡村银行的模式，我国开始了小额信贷探索。1996年开始，政府介入小额信贷，小额信贷主要在农业方面提供资金和贴息贷款。2007年8月，海南省农信社经央行及银监局批准挂牌成立，先后推出了“一小通”、“农户联保贷款”等符合海南自身实际情况的小额信贷产品，在一定程度上促进了海南省农村经济的发展。海南农信社的小额信贷业务发展整体态势良好，并于 2017年，海南农信社“一小通”多渠道贷款平台荣获海南省科技进步奖。

经过多年的发展，海南省农村信用社对海南省农村经济的发展做出了重大的奉献，但同时也存在了不少的问题，基于此，本文对海南省农信社信贷业务发展的问题进行了研究，并在此基础上提出了相应的对策。

关键词：海南省 农村信用社 信贷业务

Abstract

 With the success of the microfinance model in foreign countries, China began to explore microfinance in 1993 by learning from the Grameen bank of Bangladesh. Since 1996 the government has stepped in to provide microcredit, mainly in agriculture, with funds and discount loans. In August 2007, Hainan rural credit cooperatives was approved and established by the central bank and the China banking regulatory bureau. It has successively launched "one small access", "farmers co-insurance loan" and other micro-credit products in line with Hainan's own actual situation, which has promoted the development of Hainan rural economy to a certain extent. The micro-credit business of Hainan rural credit cooperatives is developing well on the whole, and in 2017, Hainan rural credit cooperatives "one small channel" multi-channel loan platform won the Hainan science and technology progress award.

After years of development, Hainan rural credit cooperatives have made great contributions to the development of Hainan rural economy, but there are also many problems. Based on this, this paper studies the development of credit business of Hainan rural credit cooperatives, and puts forward corresponding countermeasures.

Keywords: Hainan  Rural credit cooperatives  Credit business

目录

摘 要2

Abstract3

一、引言5

（一）研究背景5

（二）研究意义5

（三）研究的方法及目的6

二、海南农信社信贷业务发展现状及存在的问题分析7

（一）发展现状7

（二）存在的问题7

1.客户思想观念的阻碍7

2.自然风险因素的影响7

3.信贷员的操作风险7

4.基于农户的道德风险8

5.农村金融机构资金严重不足8

6.其他风险8

三、海南农信社信贷业务发展现的SWOT分析9

（一）海南农村信用社发展的优势（S）9

（二）海南农村信用社发展的劣势（W）9

（三）海南农村信用社发展的机会（O）9

（四）海南农村信用社发展的威胁（T）10

四、促进海南农信社信贷业务可持续发展的对策11

（一）加强信贷的宣传力度11

（二）联合建立风险补偿机制11

1.多部门联合建立风险补偿机制11

2.打造保险机制11

（三）建立严格的信贷员监管制度11

（四）建立完善的客户信用档案11

（五）建立资本流通机制12

（六）减少政府对小额信贷的过度干预12

五、结论13

参考文献14