A县农村信用社信贷风险管理研究

发布时间：2018-04-28 14:05

本文选题：A县农村信用社 + 信贷风险　；参考：《河北大学》2017年硕士论文

【摘要】：农村信用社作为我国金融系统的重要组成部分,在为农村经济开展各项金融服务的同时还承担着“服务三农”的任务和使命。其健康发展对于稳定农村经济,保证社会协调有序运转起着不可估量的作用。如今,农村信用社正面临着股份制改革,在改革过程中,其面临的信贷风险问题尤为突出。文章以A县农村信用社作为研究对象,以A县农村信用社信贷风险作为研究主题,分析了A县农村信用社信贷风险管理中存在的问题并提出了针对性的建议,以达到降低其信贷风险的目标。本文首先总结了国内外关于信贷风险的相关概念,通过这些理论研究为后续A县农村信用社的信贷风险研究打下了基础;笔者通过对A县农村信用社的实地考察和调研,发现了目前A县农村信用社存在的问题主要有信贷资产质量较差、信贷风险管理制度不完善、信贷团队专业素质较低以及信贷风险预警系统的缺失;文章对目前信用社存在的问题进行了外部原因和内部原因分析,外部原因主要有社会信用的缺失、国家政策的影响、当地政府的干预、农业发展的不确定性,内部因素有借款人和信用社自身的原因,其中信用社的原因主要是管理工作不到位、分工不明确,管理权力集中、内部监督机制不完善,人力资源体系不健全,对于违约客户的失信惩罚机制不完善等;为了有效的提高信用社的信贷风险管理水平,根据目前信用社信贷风险中存在的问题,文章提出了针对性的对策和建议,主要分为以下四个方面:完善信贷内部控制业务流程、建立全面有效的信贷风险管理制度、加强信贷人员的管理、完善信贷信息管理系统。
[Abstract]:As an important part of China's financial system, rural credit cooperatives undertake the task and mission of "serving agriculture, rural areas and farmers" while carrying out various financial services for rural economy. Its healthy development plays an inestimable role in stabilizing the rural economy and ensuring the harmonious and orderly operation of the society. At present, rural credit cooperatives are facing the reform of stock system, in the process of reform, its credit risk problem is particularly prominent. Taking the rural credit cooperative of A county as the research object and the credit risk of the rural credit cooperative in A county as the research theme, this paper analyzes the problems existing in the credit risk management of the rural credit cooperative in A county and puts forward some pertinent suggestions. To achieve the goal of reducing its credit risk. This paper first summarizes the related concepts of credit risk at home and abroad, through these theoretical studies to lay a foundation for the follow-up study of credit risk of rural credit cooperatives in County A, the author through the field investigation and investigation of rural credit cooperatives in County A, The main problems of rural credit cooperatives in County A are the poor quality of credit assets, the imperfect credit risk management system, the low professional quality of credit teams and the lack of credit risk warning system. This paper analyzes the external and internal causes of the problems existing in the credit cooperatives. The external reasons are mainly the lack of social credit, the influence of the national policy, the intervention of the local government, the uncertainty of the agricultural development. The internal factors include the borrower and the credit cooperatives themselves, among which the main reasons are that the management work is not in place, the division of labor is not clear, the management power is centralized, the internal supervision mechanism is not perfect, and the human resources system is not perfect. In order to effectively improve the credit risk management level of credit cooperatives, according to the existing problems in credit risk of credit cooperatives, the paper puts forward some countermeasures and suggestions. It is mainly divided into the following four aspects: perfecting the business process of credit internal control, establishing a comprehensive and effective credit risk management system, strengthening the management of credit personnel, and perfecting the credit information management system.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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