摘要
摘要
农业发展一直是关系着国计民生的大事。随着时代的进步，特别是近年来
社会主义新农村建设和乡村振兴战略的提出，农业发展进一步受到了大家的关
注。国民经济的发展离不开农业，而农业的发展也离不开金融机构的支持。随
着农户贷款规模日益增大，其贷款风险也随之暴露，信用社农户小额信用贷款
的不良率有逐年上升的趋势，影响了信用社的持续发展。因此，研究农户小额
信用贷款风险管理，提升贷款风险管理水平，既能优化信用社信贷资产结构，
同时也能促进农户小额信用贷款业务持续健康地发展。
本文在对农户小额信用贷款风险管理问题进行研究的过程中，将 S信用社
作为研究对象，借助文献研究法、调查研究法等方法，结合 S信用社农户小额
信用贷款业务的实际发展情况、风险管理情况进行研究，得到如下结论：
1、分析了借款方农户在贷款行为中会受到以下四方面的影响，导致其还款
能力出现危机，通过农户逾期贷款的有关数据分析后得出：（1）诚信及法制意
识淡薄；（2）市场价格变动导致农户收入不稳定；（3）生产经营规模较小导
致农户抗风险能力较弱；（4）农户物质需求增加与收入不匹配致使违约风险增
大。
2、从贷款方 S信用社机构自身对农户小额信用贷款管理产生风险的分析来
看，从农户小额信用贷款的贷款流程、客户经理以及国家政策三方面出发，通
过案例分析、数据分析以及访谈有关人员得出在贷款流程方面存在的问题有：
（1）贷前存在逆向选择、评级不客观真实、贷前调查流于形式的问题；（2）
贷中存在金融市场不完全竞争，导致的过度授信、贷款用途不真实、“人情”
贷款以及贷中审查审批流于形式；（3）贷后管理过程中存在贷后管理缺失，对
已逾期的不良贷款未能及时进行持续有效地进行催收管理，已制定还款计划或
进行司法诉讼的不良贷款未定期检查客户还款情况的问题。在客户经理素养方
面，则存在客户经理人员稀缺、职业素养较低、绩效考核不合理的问题。在国
家政策方面，宽松的信贷环境下如果风险控制不当，农户小额信用贷款风险会
增大。
3、根据 S信用社的实际情况，制定了一套针对 S信用社农户小额信用贷款
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摘要
风险管理的优化策略：（1）改善 S信用社农户信用环境；（2）强化 S信用社
农户小额信用贷款风险管理能力。
本文对 S信用社农户小额贷款风险管理进行了系统的研究，为管理层提供
了风险改进策略和建议。同时，为其他银行在今后的农户小额信用贷款风险管
理方面提供了一定的借鉴意义。
关键词：信用社；农户小额信用贷款；风险管理
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Abstract
Abstract
Agricultural development has always been a major event related to the national
economy and people's livelihood. With the progress of The Times, especially in
recent years when the socialist new rural construction and rural revitalization
strategy was put forward, agricultural development has been further concerned by
everyone. Thedevelopment ofnational economycannot beseparated from
agriculture, and the development of agriculture cannot be separated from the support
of financial institutions. As the scale of farmers' loans increases day by day, their
loan risks are also exposed, and the non-performing rate of farmers' small credit
loans of credit cooperatives is increasing year by year. Therefore, the study of the
risk management of rural household micro-credit loan can not only optimize the
credit asset structure of credit cooperatives, but also promote the healthy and stable
development of rural household micro-credit loan business.
In the process of the research on the risk management of farmers' small credit
loans, this paper takes S Credit Cooperative as the research object, combines the
actual development and risk management of farmers' small credit loan business of S
credit Cooperative with literature research method, investigation method and other
research methods, and draws the following conclusions:
1.The following four aspects are affected bythe borrower farmers' loan
behavior, leading to the crisis of repayment ability. Through the data analysis of the
overdue loans of farmers, the following conclusions are drawn :(1) weak sense of
integrity and rule of law; (2) The fluctuation of market price leads to the instability
of farmers' income; (3) The small scale of production and operation leads to the
weak risk resistance ability of farmers; (4) The mismatch between the increase of
farmers' material demand and income increases the risk of default
2.Risk analysis is made on the management of farmers' petty credit loans from
the lender S Credit Cooperative itself. In this part, through case analysis, data
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