宽甸县农村信用社不良贷款问题研究

发布时间：2018-01-08 11:18

本文关键词：宽甸县农村信用社不良贷款问题研究　出处：《辽宁大学》2012年硕士论文　论文类型：学位论文

【摘要】：农村信用社是农村根据自愿原则组织起来的集体合作金融机构,其宗旨是为农民、社员提供金融服务。是由农民投资入股,资金优先服务于入股社员的贷款需求,实行民主管理,为农业、农民和农村经济发展提供支持的金融机构,是我国金融体系的重要组成部分。由于其所处的特殊环境、面对的特定服务对象,必然会形成大量的不良贷款。不良贷款使农村信用社的资产质量低下,盈利能力减弱,历年亏损挂账逐年增加,已经严重威胁到农村信用社的生存和发展,也关系到农村的稳定、农业的发展和农民的增收。本文依据经济学、金融学相关理论,分析了宽甸县农村信用社不良贷款的现状及形成原因,并对宽甸县农村信用社不良贷款的管理作了深入的研究。文章引用了宽甸县农村信用联社的一些经营数据,使分析具有一定的客观性,希望能对宽甸县农村信用社的不良贷款管理具有一定的借鉴意义。首先,在第一章介绍了不良贷款的相关理论；第二章介绍了宽甸县农村信用社信贷资产情况,论述了介绍不良贷款的特征及负面影响；第三章以宽甸县农村信用联社的数据为例,系统的说明了宽甸县农村信用社不良贷款的形成原因。包括外部原因到自身因素,并为最终防范不良贷款的发生提供了依据。其次,在第四章提出了宽甸县农村信用社化解不良贷款的清收对策。通过对国内专业银行及其他农村信用社不良贷款的清收经验总结,提出了解决宽甸县农村信用社不良贷款的具体措施。第五章具体提出了宽甸县农村信用社不良贷款的防范措施。从外部环境到内部因素都做了详细的阐述。这些观点对宽甸县农村信用社的不良贷款管理具有一定的指导意义。最后,通过对宽甸县农村信用社不良贷款的分析得出本文结论。宽甸县农村信用社不良贷款的清收应采取组建专业清收队伍、法律途径、债务重组、政府协调等多种方式清收；不良贷款的防范应采取改善外部环境及加强内部控制制度、法人治理结构、人力资源建设和科技创新等措施进行防控。
[Abstract]:Rural credit cooperatives are the collective cooperative financial institutions organized by the rural areas according to the voluntary principles . The aim is to provide financial services for farmers and social workers . It is an important part of our financial system . Because of the special circumstances , the financial institutions that provide support for agriculture , farmers and rural economic development are important components of our financial system . Based on the theory of economics and finance , this paper analyzes the status quo and causes of the non - performing loans of rural credit cooperatives in the country , and makes an in - depth study on the management of the non - performing loans of rural credit cooperatives in the country . Firstly , the paper introduces the relevant theories of non - performing loans in Chapter 1 . The second chapter introduces the credit assets of rural credit cooperatives in the country , discusses the characteristics and negative impacts of non - performing loans . Chapter three shows the reasons for the formation of non - performing loans in the rural credit cooperatives in the country of the country , including the external causes and their own factors , and provides the basis for the ultimate prevention of non - performing loans . Secondly , in the fourth chapter , the countermeasures for the settlement of non - performing loans by rural credit cooperatives in the country are put forward . Specific measures are put forward to solve the non - performing loans of the rural credit cooperatives in the country . In the fifth chapter , the preventive measures are put forward to solve the non - performing loans of the rural credit cooperatives in the country . Finally , through the analysis of the non - performing loans of the rural credit cooperatives in the country , this paper concludes that the settlement of the non - performing loans of the rural credit cooperatives in the country should be settled in a variety of ways , such as the formation of specialized collection teams , legal approaches , debt restructuring and government coordination ; and the prevention of non - performing loans should take measures to improve the external environment and strengthen the internal control system , corporate governance structure , human resources construction and technological innovation .

【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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