导　　师： 赵立航;王远昕

学科专业： 0251

授予学位： 硕士

作　　者： ;

机构地区： 广东财经大学

摘　　要： 目前，我国农村金融体系发展缓慢，金融供给不足，行业竞争不充分，县域中小企业融资难等等现实摆在我们面前，村镇银行应运而生，成为解决这一系列问题的基本手段，它既承担了开发农村金融市场实现企业盈利的重任，又承担了扶持“三农”的金融职责。但是，村镇银行作为一种新的农村金融组织形式，营运时间从2007年3月至今，短短几年时间，发展不够全面充分，不免存在许多问题。特别是目前处于一种蓬勃时期，即全国范围内大面积试点村镇银行以及国家对农村金融的支持力度不断加大。而在村镇银行的不断发展中，金融风险问题越来越受到村镇银行管理者及社会各界人士的关注，因为这已经成为阻碍村镇银行发展的重要问题，其中尤以村镇银行赖以生存的贷款业务所带来的风险为主要。而村镇银行的主要客户群是当地农户及县域中小企业，这就更加加大了村镇银行的信贷风险。 本文通过以A村镇银行为范本，研究A村镇银行授信的案例，通过主成分分析，构建logistic模型找出影响村镇银行对中小企业授信的风险因素，从搜集的样本数据提供的11个因素中最后得出固定资产、总负债、贷款额、资本额、成立年限和利率这六个因素作用比较显著，然后对A村镇银行提出授信操作建议，以期能提升A银行授信品质及抑制不良授信的发生，提高A村镇银行信贷风险防范能力。 To set up a county bank is a basic mean to solve many difficult situations in developing therural economy.Those difficult situations refer to the rural financial system developmentaldelayed,financial short supply and inadequate competition in the industry, the financingdifficult for the small and medium-sized enterprise.It also take both the the important task ofexploring rural business profit growth and the financial responsibility to supportthe"agriculture, rural areas and farmers".But it exists a number of problems which has a veryshort time for operating and inadequate development as a new form organization。Financialrisk has increasingly become the important problems which the county bank have toface,and the major risk is brought by the loan-businesses which the county bank lived onespecially with the wide rage of county bank pilot rolling out and the increasing financialinnovation promoting.And this made it more risky because that the main customers aresmall-medium-sized enterprises and local farmers. This research is based on a small-medium business customers’ credit of local bank named“A”.According to the loan cases provided by the institute of the creditors’right managementof this bank,and applies the principal component analysis and logistic regression analysis tofind the main factors that affect the bank to lending money to the small-medium-sizedenterprises.The empirical results reveals that the six factors,including solid,the loanamount,capital amount,total debt,the age of the enterprise and the rate,are significant andmainly influence weather the small-medium business will loan delinquently or not.Then putforward some credit operating suggestions to improve the quality of the credit loans andprevent the happening of bad loans by standing on the point of the credit administrator.

关 键 词： 村镇银行 授信业务 影响因素 信贷风险

分 类 号： [F832.4]

领　　域： [经济管理]