莱阳市农村信用合作联社信贷业务风险管理研究

发布时间：2018-10-17 22:19

【摘要】：近年来,我国农村中小金融机构发展迅速,已经达到了一个新的阶段。伴随其发展,信贷规模也加速扩张。这种扩张不仅为农村中小金融机构带来了较好的收益,也暴露出了信贷过程中存在的各种风险。由于农村中小金融机构与农村经济之间存在着共生关系,其发展对于农村经济的发展有着巨大的促进作用,而信贷风险对于农村中小金融机构的发展构成了最大最直接的威胁。因此如何在新的历史时期加强对农村中小金融机构信贷风险的防控,更好的发挥农村中小金融机构对于农村经济的促进作用将成为发展农村经济的关键所在。农村中小金融机构的产生和不断完善,丰富了我国企业的融资渠道,对促进和推动经济社会发展具有重要意义。作为农村中小金融主力军的信用社,面临着各种挑战和不可测因素,也面临难得的发展机遇和有利条件。对于防控信贷风险的防范要从加强信贷管理工作入手,多措并举,努力提高信贷资产质量,才能确保信贷资金的安全性、流动性和效益性。但其在发展过程中也遇到一些障碍,农村中小金融机构规模普遍较小,信誉度较低,抵抗风险能力较弱,极易因滥用职权或不当操作等而产生风险,且风险比商业银行更高。本文试图通过分析信贷风险产生的原因,针对当前农村中小金融机构发展现状,研究分析风险防范举措,以助推农村中小金融机构提高风险防控能力,促进其在整个国民经济发展中发挥更加正向、积极的作用。本文首先对农村中小金融机构信贷风险管理进行了概述,说明了信贷活动在筹集与运用资金、调节经济与积累资金、反映与监管经济活动三个方面的作用,其次从几个方面阐述了农村中小金融机构的信贷活动风险成因及风险特点,并逐一展开,进行深入分析,在此基础上,结合莱阳农信社信贷风险管理的实际状况,分别从信贷业务管理流程、信贷业务风险识别、信贷业务风险预警、信贷业务风险防范对策四个方面有针对性地制定了相应的信贷业务风险防范对策与措施。本文改变了以往国内外的学者针对于信贷风险的度量进行研究和分析的角度,试图通过对农村中小金融机构信贷活动风险成因进行深入的分析,在比较传统商业银行信贷业务风险管理理论的基础上,探讨和研究符合我国农村中小金融机构关于信贷风险管理的有效制度和管理方法,结合莱阳农信社信贷风险管理的实际状况,有针对性地提出了莱阳农信社的信贷业务风险管理方法,构建了以信贷风险识别、计量、预警、控制以及管理评估相关的整体信贷风险管理系统。希望可以对农村中小金融机构在完善信贷风险管理和提高市场竞争能力中有所帮助,促进农村经济体制的改革,为农村经济发展提供一点借鉴。
[Abstract]:In recent years, small and medium-sized financial institutions in rural areas have developed rapidly and have reached a new stage. Along with its development, credit scale also accelerates the expansion. This kind of expansion not only brings good income to rural small and medium-sized financial institutions, but also exposes various risks in the process of credit. Because of the symbiotic relationship between the rural small and medium-sized financial institutions and the rural economy, its development plays a great role in promoting the development of the rural economy, while the credit risk poses the biggest and most direct threat to the development of the rural small and medium-sized financial institutions. Therefore, how to strengthen the prevention and control of the credit risk of rural small and medium-sized financial institutions in the new historical period, and better play the role of rural small and medium-sized financial institutions in promoting rural economy will become the key to the development of rural economy. The emergence and continuous improvement of rural small and medium-sized financial institutions enriches the financing channels of Chinese enterprises and plays an important role in promoting and promoting economic and social development. As the main force of small and medium-sized rural finance, credit cooperatives are faced with various challenges and unpredictable factors, as well as rare development opportunities and favorable conditions. To prevent and control the credit risk, we should start with strengthening the credit management and try to improve the quality of credit assets so as to ensure the security, liquidity and efficiency of credit funds. But it also meets some obstacles in the process of development, rural small and medium-sized financial institutions are generally small, low reputation, weak ability to resist risks, easily because of abuse of power or improper operation and so on, and the risk is higher than commercial banks. This paper attempts to analyze the causes of credit risk, and to analyze the risk prevention measures in view of the current development situation of rural small and medium-sized financial institutions, in order to help rural small and medium-sized financial institutions to improve the ability of risk prevention and control. To promote its economic development as a whole to play a more positive, positive role. This paper first summarizes the credit risk management of small and medium-sized financial institutions in rural areas, and explains the role of credit activities in raising and using funds, regulating economy and accumulating funds, reflecting and supervising economic activities. Secondly, this paper expounds the causes and characteristics of the credit risk of rural small and medium-sized financial institutions from several aspects, and carries out a thorough analysis one by one. On this basis, combined with the actual situation of credit risk management in Laiyang Rural Credit Cooperative, The corresponding countermeasures and measures are made from four aspects: credit business management process, credit business risk identification, credit business risk warning, credit business risk prevention countermeasures. This paper changes the previous domestic and foreign scholars' research and analysis on the measurement of credit risk, and attempts to analyze the causes of credit activity risk of small and medium-sized financial institutions in rural areas. On the basis of comparing the traditional theory of credit risk management of commercial banks, this paper probes into and studies the effective system and management methods of credit risk management for small and medium-sized financial institutions in rural areas. Combined with the actual situation of credit risk management in Laiyang Rural Credit Cooperative, this paper puts forward the credit business risk management method of Laiyang Rural Credit Cooperative, and constructs the identification, measurement and early warning of credit risk. Control and manage the overall credit risk management system associated with evaluation. It is hoped that it will be helpful to rural small and medium-sized financial institutions in improving credit risk management and market competitiveness, promoting the reform of rural economic system, and providing some reference for the development of rural economy.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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