鄂尔多斯农村商业银行信贷管理研究

发布时间：2018-10-18 06:22

【摘要】：鄂尔多斯农村商业银行处于中国经济增长最快的区域之一,为本银行的快速发展提供了有利的条件,除四大国有商业银行外,其他股份制银行均在鄂尔多斯市开设网点,同业竞争日趋激烈。在这种背景下,鄂尔多斯农村商业银行必须依据自身特点,构建科学的风险防范体系,探索合理的信贷管理体系,加强内部管理,方可在激烈的竞争环境下一定的市场份额。本文以商业银行内部控制控理论、信息不对称理论和风险理论为全文分析的基础,采用定量与定性相结合的方法,对鄂尔多斯农村商业银行的信贷管理中存在的问题进行深入细致的分析,针对鄂尔多斯农村商业银行在信贷管理方面存在的主要问题,构建起信贷管理完整体系,并提出切实可行的解决措施。
[Abstract]:The Ordos Rural Commercial Bank is in one of the fastest growing regions of China, providing favorable conditions for the rapid development of the Bank. Except for the four major state-owned commercial banks, all the other joint-stock banks have opened outlets in the city of Ordos. Competition in the same industry is becoming increasingly fierce. Under this background, the rural commercial bank of Ordos must, according to its own characteristics, construct a scientific risk prevention system, explore a reasonable credit management system and strengthen the internal management, in order to have a certain market share in the fierce competition environment. Based on the theory of internal control of commercial banks, information asymmetry theory and risk theory, this paper adopts the combination of quantitative and qualitative methods. This paper makes a thorough and detailed analysis of the problems existing in the credit management of the rural commercial banks in Ordos, and constructs a complete credit management system in view of the main problems in the credit management of the rural commercial banks in Ordos. And put forward practical solutions.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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