新乡XX县农信社不良资产处置问题研究

发布时间：2018-01-07 19:15

本文关键词：新乡XX县农信社不良资产处置问题研究　出处：《郑州大学》2016年硕士论文　论文类型：学位论文

【摘要】：受经济增长下行压力的影响,2015年以来,银行的不良贷款余额和不良贷款率均不断上升,银行的经营风险也逐步增大。不良资产问题在全国的银行业普遍存在,但对于大多数农村信用社而言,不良资产问题已成为农村信用社改革改制难以逾越的障碍。本文首先概述了新乡XX县农村信用社的不良资产现状。接着从宏观环境、农村信用社的借款主体、农村信用社的内部管理三方面,深入分析新乡XX县农村信用社的不良资产形成的原因。然后借鉴处置不良资产成功案例的经验及启示,针对农村信用社不良资产的成因,结合近年来处置不良资产工作的经验,提出了以下处置建议:一是有效借助政府和社会舆论的力量;二是农村信用社需加强其内部管理,包括完善风险防控体系、完善内部控制流程操作、提高管理人员的专业素质、完善激励约束机制、建立全面的风险管理体系,在优化信贷结构的基础上加强风险控制;三是综合运用多种不良资产的处置操作方式,如政府置换、依法清收、内部核销等处置手段综合运用,有效处置不良资产。不良资产有效处置对农村信用社深化改革和改制农商行的重要性不言而喻,全文采用案例分析和比较分析法及实证分析相结合的研究方法,通过研究新乡XX县农村信用社不良资产问题,力求寻找到更具现实操作性的途径和方法,以期为农村信用社提供一些可利用的分析成果。
[Abstract]:Affected by the downward pressure of economic growth, the balance of non-performing loans and the ratio of non-performing loans of banks have been rising since 2015. The operational risk of banks is also gradually increasing. The problem of non-performing assets exists generally in the banking industry of China, but for most rural credit cooperatives. The problem of non-performing assets has become an insurmountable obstacle to the reform and restructuring of rural credit cooperatives. This paper first outlines the current situation of non-performing assets of rural credit cooperatives in XX County, Xinxiang. Then from the macro environment, the main body of loans of rural credit cooperatives. Three aspects of internal management of rural credit cooperatives, in-depth analysis of the causes of the formation of non-performing assets of the rural credit cooperatives in XX County, and then draw lessons from successful cases of disposal of non-performing assets experience and inspiration. In view of the causes of non-performing assets in rural credit cooperatives and the experience of disposing of non-performing assets in recent years, the following suggestions are put forward: first, the effective use of the power of the government and public opinion; Second, rural credit cooperatives need to strengthen their internal management, including the improvement of risk prevention and control system, improve the internal control process operation, improve the professional quality of managers, improve incentive and restraint mechanisms. Establish a comprehensive risk management system and strengthen risk control on the basis of optimizing credit structure; Third, the comprehensive use of a variety of non-performing assets disposal operations, such as government replacement, legal clearance, internal write-off and other disposal means of comprehensive use. The importance of effective disposal of non-performing assets for rural credit cooperatives to deepen reform and reform of agricultural and commercial banks is self-evident. The full text uses case analysis and comparative analysis and empirical analysis combined research methods. By studying the problem of non-performing assets of rural credit cooperatives in XX County of Xinxiang, the author tries to find more practical ways and methods to provide some useful analysis results for rural credit cooperatives.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35

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