大庆市农村信用社贷款信用风险策略研究

发布时间：2018-01-10 08:19

本文关键词：大庆市农村信用社贷款信用风险策略研究　出处：《黑龙江八一农垦大学》2014年硕士论文　论文类型：学位论文

【摘要】：现阶段，农村信用社是我国金融行业的生力军之一。在长期发展的过程中，农村信用社为农村经济的发展提供了巨大的动力，但是由于历史原因，农村信用社在管理方面存在诸多问题，导致不良资产率要比其他国有商业银行高出很多。本文在研究的过程中，选择了大庆市农村信用社作为研究对象。另外，为了使得研究结果更加准确，本文还充分依据了商业银行信贷管理理论、信用风险防范与化解理论，通过应用文献研究、实地调研等方法，对所选对象贷款信用风险的影响要素进行分析。在具体分析过程中，从主体、对象以及环境等角度来进行探讨。在贷款主体方面主要包括大庆农村信用社体制及技术层面的分析，在贷款对象方面主要从大庆农业是风险大的弱质性产业及农民生产经营活动不规范的角度进行分析，在贷款对象方面主要从委托代理关系，社会信用体系不健全，社会保障体系不健全，政府补贴力度偏小，担保机制缺失以及市场化经营主体承担政策性任务必然要产生信用风险等方面进行深入分析研究。在分析我国农村信用社信贷风险管理存在问题的基础上，笔者根据大庆市农村信用社的基本情况，提出了完善信用管理风险的思路和措施。在提高贷款主体方面主要是从深化农村信用社产权及治理结构改革，建立健全贷款风险管理的内控制度，科学管理贷款，强化操作流程管理以及建立风险补偿机制五方面进行农信社管理风险的完善。在加大对贷款对象的扶持力度方面主要是从提高农民生产经营组织化程度，加大对“三农”补贴力度以及完善农村社会保障体系三方面提出相关对策建议。在创建良好的贷款环境方面主要是从建立良好的贷款信用环境，减少地方政府行政干预，，创新贷款担保制度以及为化解“包袱”提供必要的政策支持等四方面提出相关建议。通过对贷款信用风险的现状及其影响要素的研究可以使我们更加了解大庆农村信用社信用风险，从而为大庆农村信用社防范信贷风险的产生提供依据，最大程度上减少不良资产的产生，为大庆新农村建设提供有效信贷资金支持。
[Abstract]:At present, the rural credit cooperatives is one of the main force of China's financial industry. In the process of long-term development, the rural credit cooperatives provides a great impetus for the development of the rural economy, but due to historical reasons, rural credit cooperatives, there are many problems in the management, lead than other state-owned commercial banks at a much higher rate of non-performing assets. During this research, the rural credit cooperatives of Daqing city as the research object. In addition, in order to make more accurate research results, this paper also fully on the basis of the theory of commercial bank credit management, credit risk prevention and resolve theory, through the application of literature research, field investigation method, analyze the influence factors of the selected credit risk loans. In the analysis process, from the subject, object and environment perspective. The main aspects include loans in rural credit cooperatives in Daqing The analysis of system and technical level, in the loan object mainly from the aspect of Daqing agriculture is analyzed the weakness of high risk industry and farming production does not regulate the angle in the loan object mainly from the principal-agent relationship, the social credit system is not perfect, the social security system is not perfect, the government subsidies for small, hand lack of security mechanisms and market management subject policy task is bound to have a credit risk to make further analysis and research.
In the analysis of the existing risk management of rural credit cooperative in China based on the problems, according to the basic situation of the rural credit cooperatives of Daqing City, puts forward some ideas and measures to improve the credit risk management. In the aspect of improving the loan principal is mainly on deepening the property rights of rural credit cooperatives and governance structure reform, establish a sound credit risk management and internal control the scientific management system, strengthen the operation process of loans, improve the management and the establishment of risk compensation mechanism of the five aspects of risk management of rural credit cooperatives. The increase in loan object to support mainly from improving farmers' production and management level of organization, put forward relevant countermeasures to increase the "three rural" subsidies and improve the rural social security system three. In the creation of good credit environment is mainly from the establishment of a good credit environment, reduce administrative intervention of local government, innovation Four aspects of the loan guarantee system and the necessary policy support to resolve the "burden" are put forward.
Based on the credit risk status and influence factors of research can make us know more about the Daqing rural credit cooperatives credit risk, to prevent credit risks for Daqing rural credit cooperatives have provided the basis, reduce non-performing assets, to provide effective credit funds support for the construction of new rural areas in Daqing.

【学位授予单位】：黑龙江八一农垦大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F832.4

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