银行系统论文：小额信贷支农的再思考.doc

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1、银行系统论文：小额信贷支农的再思考设为首页收藏本站银行系统论文：小额信贷支农的再思考社在多年工作实践与探索后作出的最佳选择，已初步收到了良好的社会效益和经济效益，既为农村信用社拓展了业务领域，又为支持“三农”提供了保证，真正实现了信用社和农户的双赢互利。推广小额信用贷款中存在的问题一是农村信用环境改善与农民信用意识观念差的矛盾。农业除了直接面对市场风险外，还要直接面对自然灾害，涉农信贷本身风险很大，再加上部分农民为了取得核定额度以外的贷款，就违规借用贷款证贷款，形成了事实上的三角债务；个别农户恶意贷款，贷时就没打算还；还有村干部在收取各种税费时，也让农户到信用社贷款缴纳，直接导致了农村信用环境

2、的恶化，这都给信用社的贷款回收工作带来了困难和隐患。二是小额信贷额度与资金需求不相适应的矛盾。目前的小额信贷额度一般控制在6000元以内，只能满足一般的传统种植和养殖的资金需求，根本无法满足农村产业结构调整的变化需要。再加上有些农户建房，子女入学等资金需求，在额度内的贷款与需求相差甚远。三是小额信贷支持的范围狭窄与农村经济发展要求的矛盾。现在小额信贷一般支持的是传统的农户，而对于当前农产品的商品化生产和加工，小城镇建设和农村工商业进程等领域，小额信贷就如同杯水车薪。四是贷后管理滞后与人民银行支农再贷款钢性回笼的矛盾。一些非传统农业生产周期大多在18个月以上，小额信贷在支农过程中，不可避免会出现

3、沉淀，而人民银行确定的支农再贷款期限一般不超过一年甚至更短，客观要求不论是否出现沉淀，到期必须无条件全额归还本息。推行小额信用贷款的建议一是密切“社政”合作，建立诚信体系。农村信用社要及时向当地党政领导汇报支农工作，宣传金额方针政策，以取得他们对信用社的理解和支持，各级政府要主动帮助信用社解决经营中的困难和问题。在信用体系建设上，党委政府牵头建立信用体系，整治农村信用环境，就会收到事半功倍的效果。二是提高监管水平和力度，建立风险防范体系。信用社要强化小额信用贷款的全程监控，上级部门要制定行之有效的风险预警和防范机制。三是拓展服务区域，创新金融新品种运行体系。信用社的管理部门要尽快修订小额信贷管

4、理办法，扩大支持对象和范围，实现从以前支持小农经济向新兴科技农业、规模农业投入的转变。四是国家政策扶持，调动信用社建立灵活实用的激励机制，建议国家财政建立专门的小额信贷风险补偿金，给予小额信贷一定利息补贴。建议扩大信用社呆坏账核销自主权。及时核销小额信贷呆帐；建议让邮政储蓄及国有商业银行在农村吸纳的资金，通过一定方式返还农村信用社用于支农；建议人民银行在严格监管的同时，适当增加支农再贷款投放力度，合理确定再贷款，加强支农服务工作。 结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！16rin3orqx4uljpznmt61jzkx5jf,0

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