大连理工大学专业学位硕士学位论文
摘
要
随着农村经济的发展和农业产业化的程度增强，农户的融资需求日益增加。大连农
商银行作为农村信用社改制建立的农村商业银行，在农村地区依然有着独特的地缘、亲
缘、人缘的优势，不断探索农户小额贷款的管理模式。2019年 10月，W分行借此契机，
开始试点“整村授信”贷款模式。论文结合该试点工作的推进与存在问题，提出相应的
完善策略，推动农户小额贷款模式的创新与发展。
论文首先通过对大连农商银行 W分行小额农户贷款现状，概述 W分行整村授信的
四大特点。其次，结合“整村授信”贷款管理现状和对 D镇的农户用款需求及还款能力
等问卷调查分析，认为“整村授信”贷款管理存在问题表现在：贷款流程管理效率低，
“整村授信”覆盖范围有限，信用评级环节操作风险较大，抵御违约风险手段单一；剖
析问题成因在于集中授信管理的特殊性，农业项目经营周期和收益差别较大，“信用评
级”过于主观与定性分析，农业担保体系建设较为薄弱。再次，论文提出提升管理效率；
挖掘授信客户广度；构建适用的信用评级体系；完善农户贷款担保体系等策略建议。最
后，提出论文的研究结论。
论文认为“整村授信”贷款的优势在于其整体性，具有授信额度循环使用，农业项
目集中授信，贷款额度和还款来源得到提升，典型银政合作等特点，与政府合作增加银
行信誉度同时提高贷款业务的覆盖面，提高农村信贷市场的占有率。因此，W分行应该
重点通过简化和明晰贷款管理层级与职责，打造全能型客户经理团队，简化未用信客户
授信管理内容；拓宽客户授信标准和等级划分，增加农业项目授信准入许可，提高客户
经理主动营销激励倾向提升；在以银行为评信主导地位的同时，构建双层信用评级模式；
强化贷款补充机制和建立违约风险保险基金等具体策略，完善 W分行 “整村授信”农
户贷款管理，充分发挥与推广“整村授信”贷款业务优势。
关键词：整村授信；小额农户贷款；农业产业化；授信准入许可
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W分行“整村授信”农户贷款管理策略研究
Study on The Farmer Loan Management Strategy of "Whole Village Credit"
in W Branch
Abstract
With the development of rural economy and the enhancement of agricultural
industrialization, farmers' financing needs are increasing day by day. As a rural commercial
bank restructured and established by rural credit cooperatives, Dalian Rural Commercial Bank
still has unique geographical, kinship and popularity advantages in rural areas, and constantly
explores the management mode of small loans for farmers. In October 2019, W Branch took
this opportunity to pilot the loan mode of "whole village credit". Combined with the progress
and problems of the pilot work, this thesis puts forward the corresponding improvement
strategies to promote the innovation and development of farmers' micro-loan model.
First of all, the thesis summarizes the four characteristics of the whole village credit of W
Branch of Dalian Rural Commercial Bank through the current situation of small farmer loans.
Secondly, combining with "the whole village credit loan management present situation and the
demand for D town of farmers use and reimbursement ability questionnaire survey analysis,
that" the whole village credit loan management problems displays in: the loan process
management efficiency is low," the whole village credit" coverage is limited, credit rating link
operation risk is bigger, resist the risk of default means; Analysis of the causes of the problems
lies in the particularity of centralized credit management, agricultural project operation cycle
and income difference is large, "credit rating" is too subjective and qualitative analysis,
agricultural guarantee system construction is weak. Thirdly, the thesis proposes to improve
management efficiency; Explore the breadth of credit customers; Construct suitable credit
rating system; Improve the farmer loan guarantee system and other strategies. Finally, the
research conclusion of the paper is put forward.
The thesis thinks that "the whole village credit loan's advantage lies in its entirety, with a
line of credit cycle use, agricultural projects focus on credit, loan amount and source of
repayment for promotion, typical characteristics of silver political cooperation, cooperate with
the government to increase bank credibility and improve loan business coverage, improve the
rural credit market share. Therefore, W Branch should focus on simplifying and clarifying loan
management levels and responsibilities, build a versatile account manager team, and simplify
the credit management content of unused customers. Broaden customer credit standards and
grade division, increase access permission for agricultural project credit, improve the incentive
tendency of active marketing of customer managers; In the bank as the dominant position of
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大连理工大学专业学位硕士学位论文
credit rating at the same time to build a two-tier credit rating model; Strengthen the loan
supplement mechanism and establish default risk insurance fund and other specific strategies,
improve the "whole village credit" farmer loan management of W Branch, give full play to and
promote the advantages of "whole village credit" loan business.
Key Words：Whole Village Credit; Small Farmer Loans; Agricultural Industrialization;
Credit Access Permission
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