合并组建邵阳农村商业银行的风险管理研究

发布时间：2018-02-13 06:41

  本文关键词： 农村信用社合并组建 农村商业银行 风险管理　出处：《湘潭大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着经济的快速发展,银行业改革的不断加深,给我国农村信用社的生存和发展带来了严峻的挑战,大部分农村信用社已经资不抵债,到了破产边缘。资金实力不足、服务水平有限以及不良资产过高等是农村信用社面临的主要问题。在这种经济环境下,农村信用社的经济实力很难在城市商业银行中有立足之地,所以合并组建成为商业银行是农村信用合作社的主要出路。邵阳市区存在的金融机构以大型商业银行为主,华融湘江银行等中小银行靠其独特政策快速发展,在农村市场领域中,农村信用社也不再是一枝独秀,越来越多的金融机构选择进入农村市场,邵阳市的农村信用社处于严峻的市场竞争环境之中。2012年1月,邵阳市第一家合并组建的地方性商业银行——宝庆农村商业银行股份有限公司(以下简称宝庆农商行)成立,但合并组建后的宝庆农商行发展速度较为缓慢,决定再次与邵阳市城郊农村信用合作联社(以下简称城郊联社)合并组建成为邵阳农村商业银行。本文基于合并组建邵阳农村商业银行的背景,在大量阅读相关文献的基础上,首先阐述了邵阳市两家农村信用合作社合并改制的可行性和必要性,然后结合现实数据从信用风险、市场风险、操作风险、法律风险以及声誉风险这五个角度重点剖析了邵阳农村商业银行合并组建前存在的各类风险及其产生的具体原因,最后从加强外部监管和完善内部风险防范方两个方面提出相应的对策。农村信用社必须加快转型步伐,提升银行硬实力,扩宽发展空间,所以农村信用社的合并组建是在新的经济环境下做出的正确抉择。本文通过分析合并组建邵阳农村商业银行面临的各种风险,提出解决对策,为全省农村信用社的合并组建提供借鉴。
[Abstract]:With the rapid development of economy and the deepening of banking reform, the survival and development of rural credit cooperatives in our country have brought severe challenges. Most rural credit cooperatives have been insolvent and have reached the brink of bankruptcy. Limited service and high non-performing assets are the main problems facing rural credit cooperatives. In this economic environment, it is very difficult for rural credit cooperatives to have a foothold in urban commercial banks. Therefore, the merger and formation of commercial banks is the main way out for rural credit cooperatives. The financial institutions in Shaoyang are mainly large commercial banks, and small and medium-sized banks such as Huarong Xiangjiang Bank have developed rapidly by their unique policies. In the field of rural market, rural credit cooperatives are no longer alone, more and more financial institutions choose to enter the rural market, Shaoyang rural credit cooperatives are in a severe market competition environment. January 2012, Baoqing Rural Commercial Bank Co., Ltd. (Baoqing Rural Commercial Bank Co., Ltd.), the first local commercial bank in Shaoyang City, was formed, but the pace of development of Baoqing Agricultural Commercial Bank after the merger was relatively slow. It is decided that Shaoyang Rural Credit Cooperation Association (hereinafter referred to as the suburb Cooperative Society) will be merged into Shaoyang Rural Commercial Bank again. This paper, based on the background of the merger and formation of Shaoyang Rural Commercial Bank, and on the basis of reading a large number of relevant documents, Firstly, the feasibility and necessity of merging and reforming two rural credit cooperatives in Shaoyang City are expounded, and then the credit risk, market risk and operation risk are combined with the actual data. Legal risk and reputation risk are the five angles to analyze the various kinds of risks and their specific reasons before the merger of Shaoyang Rural Commercial Bank. Finally, the corresponding countermeasures are put forward from two aspects: strengthening external supervision and perfecting internal risk prevention. Rural credit cooperatives must quicken the pace of transformation, enhance the hard power of banks and broaden the development space. Therefore, the combination of rural credit cooperatives is the correct choice in the new economic environment. For the province's rural credit cooperatives to provide reference for the merger of the formation.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.35
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本文编号：1507552