江苏省农村合作金融机构信贷风险调查分析

发布时间：2018-02-12 16:28

本文关键词： 农村合作金融机构信贷风险风险控制　出处：《南京农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：作为农村地区主要的银行类金融机构,农村合作金融机构(包括农村商业银行、农村合作银行、农村信用社)在农业经济发展中的地位和作用越来越突出。我国农村金融市场尚处于不发达阶段,信贷业务仍是其最主要的业务,信贷风险也是农村合作金融机构面临的最突出最主要的风险。由于历史条件限制和自身因素影响,农村合作金融机构信贷风险控制水平一直不高,信贷风险不断加大。随着金融市场竞争的日益加剧,农村合作金融机构暴露出的信贷风险问题也越来越多,严重影响了自身的资金安全和经营效益。因此提高农村合作金融机构信贷资产质量迫在眉睫。论文基于江苏省县域农村合作金融机构经营情况的数据,采用不同区域比较分析的方法从信贷资产质量、不良贷款内部结构、不良贷款率、存贷比等具体指标,详细介绍了农合金融机构信贷风险状况并归纳总结出信贷风险存在的问题,然后进一步从内因和外因两方面挖掘信贷风险产生的根源和可能存在的导致信贷风险的因素,最后提出解决信贷风险的建议和措施,以期为降低江苏省农村合作金融机构信贷风险发生的概率提供参考和借鉴,推动农合金融机构现代化信贷风险控制体系建设,进一步提高自身竞争力和抗风险能力。论文共分为五部分：第一部分为导论,简要介绍论文的研究背景及意义,并对研究目标、内容和研究方法及创新与不足之处进行说明；第二部分为文献综述,系统地阐述国内外信贷风险管理的研究成果；第三部分为现状分析,通过分析各县域具体的经营数据横向比较江苏省不同区域农村合作金融机构的信贷风险状况；第四部分为原因分析,根据现状结合实际深入分析信贷风险形成的原因和可能引发风险的因素;第五部分为结论及政策建议,提出了改善农村合作金融机构信贷风险状况的措施和方案。
[Abstract]:As the main banking financial institutions in rural areas, rural cooperative financial institutions (including rural commercial banks, rural cooperative banks, rural cooperative banks), Rural credit cooperatives (RCCs) play a more and more important role in the development of agricultural economy. China's rural financial market is still in an underdeveloped stage, and credit is still its most important business. Credit risk is also the most prominent and main risk faced by rural cooperative financial institutions. Due to historical constraints and the influence of their own factors, the level of credit risk control of rural cooperative financial institutions has not been high. With the increasing competition in the financial market, the problems of credit risk exposed by rural cooperative financial institutions are also increasing. Therefore, it is urgent to improve the quality of credit assets of rural cooperative financial institutions. Based on the data of county rural cooperative financial institutions in Jiangsu Province, the paper uses different regional comparative analysis methods to analyze the specific indicators such as credit asset quality, internal structure of non-performing loans, non-performing loan ratio, deposit-loan ratio, and so on. This paper introduces the credit risk situation of agricultural cooperative financial institutions in detail and sums up the existing problems of credit risk, and then further excavates the root causes of credit risk and the possible factors leading to credit risk from both internal and external causes. Finally, it puts forward some suggestions and measures to solve the credit risk, in order to provide reference and reference for reducing the probability of credit risk of rural cooperative financial institutions in Jiangsu Province, and to promote the construction of modern credit risk control system of agricultural cooperative financial institutions. Further improve their competitiveness and the ability to resist risks. The thesis is divided into five parts: the first part is the introduction, briefly introduces the research background and significance of the paper, and explains the research objectives, contents, research methods, innovations and deficiencies; the second part is the literature review. The third part is the analysis of the current situation, through the analysis of the specific management data of different counties to compare the credit risk status of different regional rural cooperative financial institutions in Jiangsu Province. Part 4th is the cause analysis, according to the current situation combined with the actual in-depth analysis of the formation of credit risk and possible risk factors; 5th part for the conclusions and policy recommendations, The measures and schemes to improve the credit risk of rural cooperative financial institutions are put forward.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【引证文献】