江苏泰兴农村商业银行贷款信用风险研究

发布时间：2018-07-14 07:23

【摘要】：近年来,国家为解决三农问题,积极实施各种“三农”政策来扶持农业和农村的发展。在国家政策的扶持下,农村金融机构相继建立,且发展态势良好,给农村经济的发展提供了很大的帮助,但与此同时也出现了一系列问题,尤其是农村金融机构贷款信用风险管理方面存在着不容忽视的问题。银行业是高风险的行业,其风险主要在于贷款信用风险。贷款信用风险的存在,是破坏银行体系正常健康运转的隐患,若管理不当或不及时,很可能使银行体系极度脆弱,风险有效覆盖率较低,应对风险能力较差,银行效益日益下降。随着金融竞争的日益加剧,农村金融机构开始注重从粗放型管理向集约型经营转变,开始注重对盈利能力、信贷风险状况等的综合评价。但是,对于具体的信贷业务而言,信贷风险的衡量、信贷风险的管理等还缺乏完善、有效的方法。本文从总结国内外有关农村金融机构贷款风险管理方面的理论出发,如国外信用风险的度量方法、模型,国外农村金融机构贷款风险管理经验等,通过对泰兴农村商业银行经营状况的财务分析和贷款信用风险的深入分析,概括出泰兴农村商业银行的发展现状及信贷风险管理中仍存在的问题,深入剖析当前泰兴农商行信贷风险管理仍存在问题的原因：信贷人员素质偏低且参差不齐；内部控制不完善；对不良货款的管理不力；信贷管理薄弱,对关注类贷款的管理缺乏精细化管理；服务对象单一；存在信息不对称；量化信用风险的方法模型粗放。并据此提出切合泰兴农商行现状的可行的政策建议：加强信贷队伍建设,提升素质,增强防风险的意识；加强对关注类贷款的管理,防范其迁徙为不良贷款；多法并举,加强不良贷款的管理,严控新增不良贷款；结合农村、农业实际,创新产品,分散风险；借鉴先进的信用分析手段,运用技术手段分析和测算信用风险；建立严格考核机制,加大责任追究力度,严防信用风险；加强内控建设,完善制约监督机制,推行流程银行建设；积极营销,增强财力和收益,持续提升抗风险的能力。以期完善泰兴农商行的管理经营,在竞争日趋激烈的金融市场中提升竞争力,实现自身长足发展。
[Abstract]:In recent years, in order to solve the problems of agriculture, rural areas and farmers, the government has actively implemented various policies to support the development of agriculture and rural areas. With the support of national policies, rural financial institutions have been established one after another, and the development situation is good, which has provided great help to the development of rural economy, but at the same time, a series of problems have also appeared. Especially, there are some problems in credit risk management of rural financial institutions. The banking industry is a high-risk industry, its risk mainly lies in the loan credit risk. The existence of loan credit risk is a hidden danger to destroy the normal and healthy operation of the banking system. If it is not properly managed or not in time, it may make the banking system extremely fragile, with low effective risk coverage and poor ability to deal with risks. Bank returns are declining day by day. With the increasing of financial competition, rural financial institutions begin to pay attention to the transformation from extensive management to intensive management, and to the comprehensive evaluation of profitability and credit risk. However, for specific credit business, the measurement of credit risk and the management of credit risk are still lack of perfect and effective methods. In this paper, we summarize the theories about loan risk management of rural financial institutions at home and abroad, such as the measurement methods, models, loan risk management experience of foreign rural financial institutions, and so on. Based on the financial analysis and credit risk analysis of Taixing Rural Commercial Bank, this paper summarizes the present development situation of Taixing Rural Commercial Bank and the problems in credit risk management. This paper deeply analyzes the reasons why the credit risk management of Taixing Agricultural and Commercial Bank still exists: the quality of credit personnel is low and uneven, the internal control is not perfect, the management of bad loans is weak, the credit management is weak, The management of interest loans is lack of fine management; the service object is single; there is information asymmetry; the method model of quantifying credit risk is extensive. On the basis of the above, some feasible policy suggestions are put forward to suit the present situation of Taixing Agricultural and Commercial Bank: strengthening the construction of credit force, improving the quality and strengthening the awareness of risk prevention; strengthening the management of the concerned loans and preventing their migration into non-performing loans; Strengthening the management of non-performing loans, strictly controlling new non-performing loans, combining rural areas, agricultural realities, innovating products, and dispersing risks; using advanced credit analysis means for reference, using technical means to analyze and measure credit risks; and establishing a strict assessment mechanism. Strengthen the internal control construction, perfect the supervision mechanism, carry out the process bank construction, actively marketing, strengthen the financial resources and income, and continuously enhance the ability to resist risks. The aim is to perfect the management and management of Taixing Agricultural and Commercial Bank, to enhance its competitiveness in the increasingly competitive financial market and to realize its own considerable development.
【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】：F832.35;F832.4

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