基于资产结构优化的JL农村信用合作联社发展策略研究

发布时间：2018-03-15 03:11

本文选题：农村信用合作联社　切入点：信贷资产　出处：《河北经贸大学》2017年硕士论文　论文类型：学位论文

【摘要】：中国经济在由计划经济向市场经济转型过程中,农村金融扮演着很重要的角色,而在农村金融中,农村信用合作联社又是促进其快速发展的主要金融力量。农村信用合作联社是其所在地区农村金融体系的重要组成部分,是农村金融服务的重要提供者,农村信用合作联社在服务农民,支持农民创业、促进农村发展方面具有重大贡献,是新农村建设的重要金融动力。但是,农村信用合作联社在长期发展与改革中依旧面临着许多困难与问题,特别是其资产结构方面,如何解决好农信社当前存在的问题,对其资产结构调整与优化具有重要的指导作用,也对其他类似的县级农村信用合作联社资产结构的调整和优化具有一定的参考意义和借鉴价值。本文以JL农村信用合作联社为研究对象,采用资产负债结构理论、资本结构理论以及与实际相结合的研究方法,并在借鉴国内外经验的基础上,总结出了完善农村信用合作联社资产结构的优化方案。本文梳理了国内外学者关于农村信用合作联社资产结构的相关理论和研究成果,并在厘清这些相关理论和研究文献的基础上,分析了JL农村信用合作联社的发展现状,并对其资产结构改革中存在的问题和成因进行深度分析,指出了其存在个人贷款业务发展不完善、中间业务发展不足、资产结构空心化程度加大、信贷资产比重过大且信贷风险不断加剧、贷款营销模式单一且不良贷款大量滋生等主要问题。并在分析和借鉴国内外农村信用合作联社资产结构改革的相关研究成果和经验的前提下,结合JL农村信用合作联社当地实际情况,提出了建立资产结构调整机制和个人贷款中心、推广多元化的资产组成、大力发展中间业务、建立内控制度以提高贷款质量等相应的优化路径和对策方案。
[Abstract]:In the process of transition from planned economy to market economy, rural finance plays a very important role, and in rural finance, The Rural Credit Cooperative Association is also the main financial force to promote its rapid development. It is an important part of the rural financial system in its region and an important provider of rural financial services. The Rural Credit Cooperation Association has made great contributions in serving farmers, supporting farmers to start businesses and promoting rural development. It is an important financial power for the construction of new rural areas. In the long-term development and reform of rural credit cooperatives, there are still many difficulties and problems, especially in terms of its asset structure, how to solve the current problems of rural credit cooperatives, It plays an important guiding role in the adjustment and optimization of its asset structure. It also has certain reference significance and reference value for other similar county-level rural credit cooperative association asset structure adjustment and optimization. This paper takes JL rural credit cooperative association as the research object, adopts the assets and liabilities structure theory, The theory of capital structure and the research methods combined with practice, and on the basis of drawing lessons from domestic and foreign experience, This paper summarizes the optimization scheme of improving the asset structure of rural credit cooperative association. This paper reviews the relevant theories and research results of domestic and foreign scholars on the property structure of rural credit cooperative association. On the basis of clarifying these relevant theories and research documents, this paper analyzes the development status of JL Rural Credit Cooperative Society, and deeply analyzes the problems and causes in the reform of its asset structure. It is pointed out that the development of personal loan business is not perfect, the development of intermediate business is insufficient, the degree of asset structure hollowing is enlarged, the proportion of credit assets is too large and the credit risk is increasing. Under the premise of analyzing and drawing lessons from the relevant research results and experiences of the reform of the assets structure of the Rural Credit Cooperative Society at home and abroad, According to the local conditions of JL Rural Credit Cooperative, the paper puts forward the establishment of asset structure adjustment mechanism and personal loan center, the promotion of diversified asset composition, and the vigorous development of intermediate business. Establish internal control system to improve loan quality and other appropriate optimization path and countermeasures.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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