| 农村小额贷款的制度性缺陷及风险预测——基于运营模式和现金流模型的风险分析 |
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| 引用本文： | 张士军,夏夕美.农村小额贷款的制度性缺陷及风险预测——基于运营模式和现金流模型的风险分析[J].华侨大学学报(哲学社会科学版),2009(4):53-60. |
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| 作者姓名： | 张士军 夏夕美 |
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| 作者单位： | 1. 中国海洋大学,生命科学与技术学部,山东,青岛,260032
2. 青岛滨海学院,国际商学系,山东,青岛,266555 |
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| 基金项目： | 山东省高等学校人文社科规划项目 |
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| 摘 要： | 通过对乡镇村等农村地区小额贷款的现状进行考察,对农信社的基本运营模式和其现金流通过程进行建模处理,以及进行相应的风险评估和若干问题分析,得出关于农信社这种当今在农村地区最为普遍的小额贷款模式健康与否的相关结论,从而进一步对其可能的发展方向进行预测,并继续关注这一现象的最新发展。
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| 关 键 词： | 农村小额贷款 农信社 现金流 风险评估 改革走向 |
Risk Analysis based on Cash Flow Mode to the Microfinance in Rural Credit Cooperative |
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| ZHANG Shi-jun,XIA Xi-mei.Risk Analysis based on Cash Flow Mode to the Microfinance in Rural Credit Cooperative[J].Journal of Huaqiao University(Humanities & Social Science),2009(4):53-60. |
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| Authors: | ZHANG Shi-jun XIA Xi-mei |
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| Institution: | 1. College of Marine Life Science, Ocean University of China, Qingdao, 266003, China; 2. Qingdao Binhai College, International Business Department, Qingdao, 266555, China) |
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| Abstract: | The paper is about the microfinance in the rural areas in China. Taking the rural credit cooperatives as an exampie, we set up a model of cash flow and analyze the sustainability of rural credit cooperatives through the model. Our focus is on the basic operation system, the cash flow mode, and the problems and risks in rural credit cooperatives. Finally, we conclude whether the system is healthy and whether the system can be developed in the future. |
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| Keywords: | countryside microfinance rural credit cooperatives cash flow risk analysis reform trend |
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