吉林PS农村商业银行信贷风险研究

发布时间：2018-04-21 04:39

本文选题：农村商业银行 + 信贷风险　；参考：《吉林大学》2016年硕士论文

【摘要】：金融体制改革的持续推进使得我国金融市场迅猛发展,在这种背景值之下,农村信用社通过改制,重新焕发了活力,综合实力不断增强,成为了农村金融体系的重要组成部分。农村信用合作社的角角色定位是服务三农,促进广大农村地区的经济发展,其在满足农村不断增长的金融服务需求方面发挥着不可替代的重要作用。然而由于种种原因,农村信用合作社普遍存在信贷风险管理水平偏低的问题,无论是在金融工具创新方面,还是在资产业务类型方面,与国内的大型商业银行相比存在巨大的不足,与自身信贷风险管理要求更是差距甚远,这导致了其所面临的信贷风险居高不下。信贷是农村信用合作社的主要业务,同时的也是风险的主要来源,随着金融市场竞争的进一步加剧以及利率市场化的推进,农村信用合作社信贷风险问题越来越突出,农村信用社由于历史层面的原因,其改革并不是很彻底,历史遗留下来的不良贷款数量较大,加上其本身经营范畴的风险较高,导致其信贷风险问题要比其他商业银行更加突出。农村信用社信贷风险偏高对其自身的健康发展带来了很大的影响,因此如何采取切实有效的措施解决好信贷风险管理水平偏低的问题,构建有效的信贷风险管控体系,将信贷风险控制在可以承受的范围之内,就成为了农村信用社经营领域无法回避的重要课题。考虑到农村信用社在我国整个金融体系中重要作用以及普遍存在的信贷风险居高不下这一现实背景,本文选择信贷风险这一课题进行研究,以吉林PS农村商业银行为研究对象,围绕该行信贷风险控制体系存在的问题以及成因,探讨具体的解决策略。文章首先是绪论以及基本理论部分,主要内容就是对研究背景、意义、内容、思路、方法,商业银行发展历史、信贷风险相关理论、信贷风险防范理论的阐述,随后就是对于吉林PS农村商业银行的信贷风险现状进行全面探讨,对于该银行主要的信贷风险进行了分析,探讨了银行的信贷风险控制体系以及这一体系的问题以及成因。最后提出了当前农村商业银行信贷风险控制体系优化以及规避信贷风险的对策建议,从而让农商行得到更好的发展,同时也为其他农村商业银行的发展提供一些建议。
[Abstract]:The continuous promotion of the financial system reform has made the financial market of our country develop rapidly. Under this background value, the rural credit cooperatives have been reused, revitalized and the comprehensive strength has been strengthened continuously. The role of the rural credit cooperatives is to serve the rural areas and promote the rural areas. Economic development has played an irreplaceable role in meeting the growing demand for financial services in rural areas. However, for various reasons, there is a general problem of low level of credit risk management in rural credit cooperatives, whether it is in the innovation of financial instruments, or in the type of asset business, and the large domestic. The commercial banks have a huge gap compared with their own credit risk management requirements, which leads to the high credit risk. Credit is the main business of the rural credit cooperatives, and the main source of the risk, with the further intensification of the competition in the financial market and the promotion of the interest rate market. The credit risk problem of rural credit cooperatives is becoming more and more prominent. Because of the historical reasons, the rural credit cooperatives are not completely reformed, the number of bad loans left over by history is larger, and the risk of its own management category is high, which leads to the credit risk problem more prominent than other commercial banks. The high risk of loan has brought great influence on its own healthy development, so how to take effective measures to solve the problem of low credit risk management level, construct an effective management system of credit risk and control the credit risk within the scope that can bear, can not be avoided in the management field of rural credit cooperatives. Taking into account the important role of the rural credit cooperatives in the whole financial system and the high credit risk in China, this paper selects the credit risk as a research subject, taking the Rural Commercial Bank of PS in Jilin as the research object and surrounding the problems of the credit risk control system of the bank and the problems as well as the problems of the credit risk control system of the bank. The article first is the introduction and the basic theory part, the main content is the research background, significance, content, ideas, methods, the development history of commercial banks, credit risk related theory, credit risk prevention theory, and then the credit risk status of the PS rural commercial banks in Jilin. In this paper, the main credit risk of the bank is analyzed, the credit risk control system of the bank and the problems and causes of this system are discussed. Finally, the optimization of the credit risk control system of the rural commercial banks and the countermeasures to avoid the credit risk are put forward so as to make the agricultural and commercial banks get better development. It also provides some suggestions for the development of other rural commercial banks.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.43

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