关于福建省霞浦县农村信用社信贷风险的研究摘要我国农村金融体系的一大重要组分就是农村信用社，在农村经济发展方面，农村信用社扮演着重要角色。当前，农村信用社贷款业务呈现较快的增长势头，这对农村经济发展是非常有利的。但由于管理水平有限等原因，经常会出现不同类型信贷风险，要想推动农村信用社的未来稳步发展，需要对信贷风险进行有效防控。本文对农村信用社发展基本概况进行了全面分析，以信贷风险理论为基础，查找国内外相关文献进行梳理整合，然后特别对福建省霞浦县农村信用社的信贷概况、信贷风险现存问题及问题来源、针对信贷风险防控所提出的防范策略三个方面展开探讨。针对现阶段农村信用社通过问卷调查法对展开发展现状以及存在问题的更深次探讨。通过调查研究，对信贷风险管理的具体分析，可以更加有效、有针对性的进行信贷风险防范策略的制定，目的是推动农村信用社在未来的更好发展。关键词：农村信用社信贷风险信贷风险防控信用环境IABSTRACTAnimportantpartofmycountry'sruralfinancialsystemistheruralcreditcooperatives.Ruralcreditcooperativeshaveplayedanimportantroleinpromotingruraleconomicdevelopment.Atpresent,theloanbusinessofruralcreditcooperativesisshowingamomentumofrapidgrowth,whichisverybeneficialtothedevelopmentoftheruraleconomy.However,duetothelimitedmanagementlevelandotherreasons,differenttypesofcreditrisksoftenappear.Topromotethesteadydevelopmentofruralcreditcooperativesinthefuture,effectivepreventionandcontrolofcreditrisksisrequired.Thisarticleconductsacomprehensiveanalysisofthebasicdevelopmentofruralcreditcooperatives.Basedonthetheoryofcreditrisk,itsearchesforrelevantdomesticandforeigndocumentstosortoutandintegrate,andthenspecificallyanalyzesthecreditprofile,existingcreditriskproblemsandsourceofproblemsofruralcreditcooperativesinXiapuCounty,FujianProvince,Discussthethreeaspectsofthepreventionstrategyproposedbythecreditriskpreventionandcontrol.Inviewofthecurrentstage,ruralcreditcooperativesconductadeeperdiscussiononthedevelopmentstatusandexistingproblemsthroughthequestionnairesurveymethod.Throughinvestigationandresearch,specificanalysisofcreditriskmanagementcanbemoreeffectiveandtargetedtoformulatecreditriskpreventionstrategies,withthepurposeofpromotingthebetterdevelopmentofruralcreditcooperativesinthefuture.Keywords:RuralCreditCooperativeCreditriskPreventionandcontrolofcreditriskCreditEnvironmentII目录1引言............................................................................................................................................11.1研究背景与意义...............................................................................................................11.2文献综述...........................................................................................................................11.2.1国内文献综述.............................................................................................................11.2.2国外文献综述.............................................................................................................31.3研究方法和主要内容.......................................................................................................41.3.1研究方法.....................................................................................................................41.3.2研究内容.....................................................................................................................42农村信用社基本概况..............................................................
