基于现金流模型的农村小额贷款风险分析

试图对乡镇村等农村地区小额贷款的现状进行考察,通过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。

Risk Analysis Based Cash Flow Mode to the Microfinance in Rural Credit Cooperative

The paper is about the microfinance in the rural areas in China.Here we take the rural credit cooperatives as an example.To set up a model of cash flow for rural credit cooperatives 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 can be developed in the future.