龙江银行农业供应链融资风险管理研究
发布时间：2019-01-24 08:08
【摘要】：随着农业产业化、农业现代化的进程不断加快,近年来国内外多家商业银行积极开展农业供应链融资业务,它是将现代农业生产、农产品种养殖、农村特色资源开发及农产品流通等领域的“全产业链”,作为一个有机的整体进行融资服务的一种新型的融资模式。它将分散的贷款规模化操作,从供应链的角度整体考察产业链条的授信风险,解决了制约农村经济发展的资金瓶颈问题,实现了银行、企业、农户共赢的局面。因此对龙江银行农业供应链融资风险进行研究,对促进农业金融健康快速发展能够起到积极的作用。本文首先简单说明了龙江银行整体概况,详细介绍了农业供应链融资业务的开展现状,其中包括农业供应链融资的内涵、产品特点、优势等内容,并对其风险表现及导致风险发生的成因进行深入分析。其次,针对龙江银行在农业供应链融资业务风险上采取的措施,从现行贷款流程、贷款担保方式、信用评级方式、管理组织架构、风险监控机制、利率定价细则、科技风险管理等内容进行剖析,指出管理过程中存在的问题。最后,通过比较分析国外农业供应链融资相关实践,并根据龙江银行农业供应链融资的业务特征,建议通过搭建信息系统平台,健全风险防范体系、加强信用环境的治理以及加大对农产品支持力度等措施,完善该行对于农业供应链融资业务的风险管理控制。
[Abstract]:With the industrialization of agriculture and the accelerating process of agricultural modernization, in recent years, many commercial banks at home and abroad have been actively engaged in agricultural supply chain financing business. The "whole industry chain" in the fields of the development of rural characteristic resources and the circulation of agricultural products, as an organic whole, is a new type of financing mode. It will disperse the loan scale operation, from the supply chain angle of the whole inspection industry chain credit risk, has solved restricts the rural economic development the fund bottleneck question, has realized the bank, the enterprise, the peasant household win-win situation. Therefore, the study on the financing risk of agricultural supply chain of Longjiang Bank can play a positive role in promoting the healthy and rapid development of agricultural finance. In this paper, the overall situation of Longjiang Bank is briefly described, and the current situation of agricultural supply chain financing is introduced in detail, including the connotation, product characteristics, advantages of agricultural supply chain financing, etc. And its risk performance and causes of risk occurrence are analyzed in depth. Secondly, according to the measures taken by Longjiang Bank on the risk of agricultural supply chain financing, from the current loan process, loan guarantee, credit rating, management structure, risk monitoring mechanism, interest rate pricing rules, This paper analyzes the contents of science and technology risk management and points out the problems in the process of management. Finally, through the comparative analysis of foreign agricultural supply chain financing practices, and according to the business characteristics of Longjiang Bank agricultural supply chain financing, it is suggested to perfect the risk prevention system by building an information system platform. Strengthening the management of credit environment and increasing the support for agricultural products and other measures to improve the bank for agricultural supply chain financing business risk management control.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
本文编号：2414279
[Abstract]:With the industrialization of agriculture and the accelerating process of agricultural modernization, in recent years, many commercial banks at home and abroad have been actively engaged in agricultural supply chain financing business. The "whole industry chain" in the fields of the development of rural characteristic resources and the circulation of agricultural products, as an organic whole, is a new type of financing mode. It will disperse the loan scale operation, from the supply chain angle of the whole inspection industry chain credit risk, has solved restricts the rural economic development the fund bottleneck question, has realized the bank, the enterprise, the peasant household win-win situation. Therefore, the study on the financing risk of agricultural supply chain of Longjiang Bank can play a positive role in promoting the healthy and rapid development of agricultural finance. In this paper, the overall situation of Longjiang Bank is briefly described, and the current situation of agricultural supply chain financing is introduced in detail, including the connotation, product characteristics, advantages of agricultural supply chain financing, etc. And its risk performance and causes of risk occurrence are analyzed in depth. Secondly, according to the measures taken by Longjiang Bank on the risk of agricultural supply chain financing, from the current loan process, loan guarantee, credit rating, management structure, risk monitoring mechanism, interest rate pricing rules, This paper analyzes the contents of science and technology risk management and points out the problems in the process of management. Finally, through the comparative analysis of foreign agricultural supply chain financing practices, and according to the business characteristics of Longjiang Bank agricultural supply chain financing, it is suggested to perfect the risk prevention system by building an information system platform. Strengthening the management of credit environment and increasing the support for agricultural products and other measures to improve the bank for agricultural supply chain financing business risk management control.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
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