但是要特别注意的是，伴随着银行个人贷款业务的快速发展，房贷、商业贷款、农户
小额贷款都不同程度的有所提高，其潜在的信用风险、市场风险、操作风险、政策风
险等也不同程度的暴露出来，其中“三农”业务的特殊性,包括三农客户本身的特点、
客户从事的行业特点、提供担保方式的难度等决定了提供三农贷款服务的难度系数
大，风险性高等特点，如何有效进行农户贷款风险评价及防控，是改善农户贷款可获
得性，发展农村经济的基础，是服务好“三农”必须研究的重要课题
本文共分四个部分对 HT 县农行农户贷款风险防控进行研究，首先了解了国内外
相关的理论研究成果，然后结合目前 HT 县农行农户贷款发展现状和内部人员结构特
点，所表现出来的农户贷款风险防控现状，来分析农户贷款存在的潜在风险，其次调
查研究了实际工作中应用的农户贷款风险评价体系存在的问题，诸如指标权重占比不
到位、指标重复、指标不完整、执行不到位等，有针对性地构建了一套指标维度更细
化、权重维度更合理的风险评估体系，再者为创新完善农户贷款风险防控的内部防控
措施提出合理化建议，包括农户贷款整个过程的创新防控，以及贷款环节的操作人员、
贷款业务、客户、体制机制等要素的创新防控，以一条较强的逻辑线贯穿农户贷款风
险防控，以期对 HT 县农行管理当局提供参考
关键词：农户贷款；服务三农；风险评价；风险防控山东理工大学硕士学位论文 ABSTRACT
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ABSTRACT
Agriculture is the foundation of national development.12th Five-Year period, the
central adhere to the agriculture, countryside and farmers”as the priority among priorities,
and constantly improve the farmers policy system, has made remarkable achievements in
agriculture, is agricultural and rural development in China has a golden period.At the same
time, the major banks also follow the pace of the country&39;s agriculture and rural areas, and
accelerate the introduction and practice of rural finance business policy
guidelines.Agricultural Bank of China as three rural state-owned commercial banks, has
played an important role in the rural financial sector, whether in business or financial
innovation in agriculture, to solve the three rural contribute in strengthening the fruitful
achievements of rural credit risk prevention and control of the will.Serving agriculture,
countryside and farmers is the historical mission and responsibility of the Agricultural
Bank of china.But we must pay special attention to, along with the rapid development of
the bank personal loan business, mortgages, business loans, farmers small loans have
different degrees of improvement, the potential credit risk, market risk, operational risk,
policy risk and so on are also different levels of exposure, the particularity of the three
rural business, including the characteristics of agriculture, rural areas and farmers
customer itself, the customer is engaged in the industry characteristics, the difficulty of the
guarantee way determines the agriculture loan services such as the difficulty coefficient is
big, risk is high, how to effectively farmers loan risk assessment and prevention and
control, is to improve the peasant household loan availability, the foundation of the
development of rural economy, is a good service three rural must study important issue.
This paper is divided into four parts to study the risk control of HT County
Agricultural bank,First understand the theory and related research results at home and
abroad, and then combined with the current development status of HT County Agricultural
Bank loans to farmers and the internal structure characteristics of farmers loan risk
prevention and control situation is shown, to analyze the potential risk of loans to farmers
there, then investigated the farmer loan risk evaluation system applied in the practical work
of the problems, such as index weight proportion does not reach the designated position, to
repeat, incomplete indicators, execution does not reach the designated position, etc.targeted
the risk assessment system, which is more specific, more weighted, and more
reasonable.Last for innovation to improve the peasant household loan risk prevention and
control of internal control and prevention measures put forward rational Suggestions,
including the innovation of the peasant household loans the whole process control, and the
loans of the operators, the loan business, the customer, system mechanism innovation of
elements such as the prevention and control, with a strong logical line throughout the
peasant household loan risk prevention and control, in order to provide references for HT山东理工大学硕士学位论文 ABSTRACT
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county agricultural bank management authorities.
Key words: Farmers&39; Loans; Service Three Agriculture; Risk Assessment; Risk Prevention
And Control山东理工大学硕士学位论文 目录
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目 录
摘要........
ABSTRACT..II
目 录......IV
第一章 引 言....1
1.1 研究背景及意义......1
1.1.1 研究背景....
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