JA村镇银行信贷业务风险管理案例研究

发布时间：2018-01-19 02:20

本文关键词： 村镇银行信贷业务风险管理　出处：《辽宁大学》2012年硕士论文　论文类型：学位论文

【摘要】：近几年来,为扶持农村金融机构快速发展,支持新农村建设,我国银监会出台了一系列促进村镇银行发展的政策。村镇银行应运而生并迅速发展。村镇银行是农村金融改革的新生事物,是弥补农村金融中介不足、促进民间金融合法化的新尝试。村镇银行的设立正遇上我国建设社会主义新农村的关键时期,以往依靠农村信用合作社来解决融资题目,但审批时间长,轻易使农民错过最佳发展时机,使很多农民无法实现投资需求。村镇银行向农民提供一定的无需担保的小额贷款,为新农村建设提供了资金保证。村镇银行的设立有利于促进农村新金融竞争格式的形成,由此形成村镇银行与农业发展银行、农业银行、邮政储蓄银行、农村信用社及各种非正规金融机构同时并存的局面,弥补了农村地区所形成的空缺,有利于“三农”和地方经济的更好发展。村镇银行的成立进一步完善了我国金融体系结构。它是我国金融体制上的一种探索和创新,丰富了银行监管理念和手段。村镇银行开始作为一个试点,它是由点到面,由小及大,它的可行性、现实性以及面临的问题在实践中可能会得到全面地检验,对金融监管机构也是一个新的挑战。村镇银行使以前的民间小额信贷组织变成一个金融机构,完全纳入了银监会监管的范畴。信贷业务风险是银行风险管理的重点,自2007年3月1日我国第一家村镇银行成立到如今,发展历史刚满5年时间,村镇银行信贷业务风险管理尚处在起步探索阶段。信贷业务风险管理水平低、信贷资产质量差是制约村镇银行发展的重要因素。本论文以某县JA村镇银行为例,以该银行信贷业务风险管理问题为研究对象,论文分四部分进行写作：第一部分为绪论,分为研究背景及意义、研究方法及基本框架；第二部分为案例描述,分为JA村镇银行简介、信贷业务及风险概况及信贷业务风险管理现状描述；第三部分为案例分析,运用村镇银行信贷业务风险管理相关理论,分析了JA村镇银行信贷业务风险管理存在的问题及成因；第四部分为对策及启示,提出了加强村镇银行信贷业务风险管理的对策及启示。
[Abstract]:In recent years, in order to support the rapid development of rural financial institutions, support the construction of new rural areas. China Banking Regulatory Commission has issued a series of policies to promote the development of village banks. Village banks came into being and developed rapidly. Village banks are new things in rural financial reform and make up for the shortage of rural financial intermediary. A new attempt to promote the legalization of private finance. The establishment of village banks is in the crucial period of building a new socialist countryside in our country. In the past, rural credit cooperatives were relied on to solve the financing problem, but the examination and approval time was long, which easily made farmers miss the best development opportunity. Many farmers are unable to meet their investment needs. Village banks provide small loans to farmers without guarantee. The establishment of village bank is conducive to promoting the formation of a new rural financial competition format, thus forming the village bank and agricultural development bank, agricultural bank, postal savings bank. Rural credit cooperatives and various informal financial institutions coexist at the same time to make up for the gap in rural areas. The establishment of village banks has further improved the financial system structure of our country. It is a kind of exploration and innovation in the financial system of our country. Enriched the concept and means of bank supervision. Village bank began as a pilot, it is from point to face, by small and large, its feasibility, reality and problems may be comprehensively tested in practice. It is also a new challenge for financial regulators. Village banks have transformed the former private microfinance organization into a financial institution. Credit risk is the key point of bank risk management. Since March 1st 2007, the first village bank in China has been established, the development history has just completed five years. The credit risk management of village banks is still in the initial stage of exploration. The low level of credit risk management and the poor quality of credit assets are the important factors restricting the development of village and town banks. This paper takes a county JA village bank as an example, taking the bank's credit risk management as the research object. The thesis is divided into four parts: the first part is the introduction, divided into the research background and significance. Research methodology and basic framework; The second part is case description, including JA village bank profile, credit business and risk profile and credit business risk management status description; The third part is case analysis, using the risk management theory of village bank credit business, analyzes the problems and causes of JA village bank credit business risk management; In the 4th part, the author puts forward the countermeasures and revelations to strengthen the risk management of the credit business of the village and town banks.
【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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