江西农村合作金融企业执行“贷款新规”问题研究

发布时间：2018-07-04 22:29

本文选题：农村合作金融企业 + 信贷管理　；参考：《南昌大学》2012年硕士论文

【摘要】：中国银监会在深入调研和借鉴国际先进经验的基础上,结合中国经济金融发展实际,特别是银行信贷经营管理现状,颁布实施了“三个办法一个指引”(《固定资产贷款管理暂行办法》、《流动资金贷款管理暂行办法》、《个人贷款管理暂行办法》和《项目融资业务指引》)。“贷款新规”颁布以来,其对于更好地落实国家宏观经济政策,优化社会信贷资源配置,提升银行精细化管理水平,防范金融系统性风险,逐渐发挥出积极作用。但受管理体制和经营环境的制约,农村合作金融机构“贷款新规”推进工作仍面临较大困难,防范信用风险及操作风险的更高要求也亟待关注。要完全落实各项监管要求,未来还需要在管理体制、风控手段、系统建设和人员培训等多方面做出更多努力,新规执行之路“任重道远”。因此,研究这一问题具有重要的理论价值和实践意义本文以江西农村合作金融企业(包括农村信用合作社、农村合作银行和农村商业银行)为例,正确认识和深入剖析江西农村合作金融企业在执行“贷款新规”方面存在的问题及原因,借鉴国外金融企业贷款管理方面的先进经验,提出有较强针对性的措施建议。本文在结构上共分6章。其中：第一章为导论；第二章为金融企业信贷管理的相关理论概述；第三章为江西农村合作金融企业执行“贷款新规”的现状分析；第四章为国内外农村合作金融企业信贷管理的经验与借鉴；第五章为完善江西农村合作金融企业信贷管理的对策措施；第六章为结论与展望。本文通过分析发现江西农村合作金融企业执行“贷款新规”存在受托支付比例较低、客户配合程度差、执行政策敷衍塞责、受托支付数据不真实等问题,针对以上问题,文章最后提出了完善法人治理结构、健全信贷管理机制、优化金融生态环境、加强与客户沟通、完善信贷规模调控方式、堵塞合同漏洞等对策建议。这对于完善农村合作金融企业改进信贷管理模式,促进其健康发展具有指导作用,也将对地方政府及有关职能部门完善相关制度、促进金融信用环境建设起到决策参考作用。
[Abstract]:The China Banking Regulatory Commission (CBRC), on the basis of in-depth investigation and reference of advanced international experience, combined with the actual situation of China's economic and financial development, especially the current situation of bank credit management, has promulgated and implemented "three methods and one guide" ("temporary measures for the management of fixed assets loans," Interim Measures for the management of liquidity loans, < temporary administration of personal loan management. Since the promulgation of the new loan regulations, the "new loan regulations" has been playing an active role in better implementing the national macroeconomic policies, optimizing the allocation of social credit resources, improving the fine management level of the banks and preventing the financial systemic risk. But the rural cooperative finance is restricted by the management system and the operating environment. The promotion of the new lending regulations of the institutions still faces great difficulties. The higher requirements for preventing credit risks and operational risks are also urgent. In order to fully implement the regulatory requirements, more efforts should be made in the future, such as management system, wind control means, system construction and personnel training, and the road of new regulations is "a long way to go". Therefore, it is of great theoretical and practical significance to study this issue.
This paper, taking Jiangxi rural cooperative financial enterprises (including rural credit cooperatives, rural cooperative banks and rural commercial banks) as an example, correctly understands and deeply analyzes the problems and causes of the rural cooperative financial enterprises in the implementation of the "new loan regulations", and draws on the advanced experience of foreign financial enterprises' loan management. There are 6 chapters in this paper. The first chapter is introduction; the first chapter is introduction; the second chapter is an overview of the related theories of financial enterprise credit management; the third chapter is the analysis of the current situation of the implementation of "new regulation of loan" in the rural cooperative financial enterprises in Jiangxi, and the fourth chapter is the credit management of rural cooperative financial enterprises at home and abroad. The fifth chapter is the countermeasures to improve the credit management of rural cooperative financial enterprises in Jiangxi. The sixth chapter is the conclusion and prospect.
Through the analysis, this paper finds that the Jiangxi rural cooperative financial enterprises have a low proportion of the entrusted payment of the "new loan regulations", the poor coordination degree of the customers, the enforcement of the policy and the untruthfulness of the entrusted payment of the data. In the end, the article finally proposes to improve the corporate governance structure, improve the credit management mechanism and optimize the financial students. State environment, strengthen communication with customers, improve the control mode of credit scale, block contract loopholes and other countermeasures and suggestions, which will guide the improvement of the mode of credit management and promote the healthy development of rural cooperative financial enterprises. It will also improve the relevant systems of local government and relevant functional departments and promote the construction of financial credit environment. The role of decision reference.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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