静宁县农村信用社信贷风险管理控制分析

发布时间：2018-01-13 07:05

本文关键词：静宁县农村信用社信贷风险管理控制分析　出处：《兰州大学》2014年硕士论文　论文类型：学位论文

【摘要】：作为我国农村经济的主要服务者,农村信用社也是我国农村最重要的融资渠道,在我国农村经济不够发达的区域,农村信用社为我国农村乡镇企业以及农户的生产经营活动提供了很高比例的资金支持。在当今社会,随着金融创新以及金融自由化层出不穷,农村信用社面临的社会经营环境变得日益复杂。作为经营货币的金融机构,静宁县农村信用社同其他的商业性银行一样,信贷风险的管理控制一直是静宁县农村信用社经营管理中的重点。然而,目前静宁县农村信用社存在着信贷业务工作人员整体素质不高、信贷风险的管理控制不够完善、对贷款人授信评级不够准确、信贷管理控制的制度制定不够全面以及信贷风险预警体系不够完善等问题。这些问题的存在加大了静宁县农村信用社的信贷风险,并对静宁县农村信用社的长远发展产生限制,同时也削弱了静宁县农村信用社对静宁县农村经济的发展提供支持的功能。提升信贷风险管理控制水平是静宁县农村信用社能够长远发展的必然要求,同时设立科学并且有效的信贷风险的防范体制,也是对静宁县“三农”经济的发展以及国家社会主义新农村的建设能够顺利实现的金融保证和支持。本文以静宁县农村信用社的信贷风险的管理控制作为研究对象,利用定性与定量相结合的各种研究方法,对静宁县农村信用社目前的信贷风险管理控制现状以及在信贷风险管理控制方面存在的问题和产生信贷问题的原因进行了深入的研究,并针对目前信贷风险的管理控制中所产生的问题提出了解决静宁县农村信用社信贷风险的管理控制存在的问题以及加强信贷风险管理控制的建议。不仅可以提高静宁县农村信用社信贷风险管理控制的水平,而且能够为静宁县农村信用社在完善信贷风险管理系统提供一定的参考价值,从而解决静宁县农村信用社在信贷风险管理控制中存在的系列问题,建立科学全面有效的信贷风险管理控制机制,提高信用社信贷风险管理控制的能力,同时对静宁县农村信用社信贷风险的研究分析对信用社的长远发展产生一定现实上的意义,该研究也对其它农村信用社提供了必要的借鉴,为我国现代信贷风险管理制度的建设和农村信用社的发展提供重要的参考价值。
[Abstract]:As the main service in China's rural economy, the most important financing channels of rural credit cooperatives and rural areas of China, China's rural economy in underdeveloped regions, with a high proportion of funds to support rural credit cooperatives for rural township enterprises and farmers in the production and business activities. In today's society, with the development of financial innovation and the financial liberalization of rural credit cooperatives emerge in an endless stream, facing the social business environment has become increasingly complex. As a financial institution operating currency, Jingning rural credit cooperatives and other commercial banks, credit risk management and control has been the focus of the management of rural credit cooperatives in Jingning county. However, the current Jingning County Rural Credit society exists in the overall quality of staff is not high credit business, credit risk management is not perfect, is not accurate enough for the Lender Credit Rating, credit management and control The problem is not comprehensive and the credit risk early warning system is not perfect and so making system. These problems increase the Jingning County Rural credit cooperatives credit risk, and restrict the long-term development of Jingning County Rural Credit Cooperatives, but also weakened the support function of Jingning County Rural Credit Cooperatives in rural economic development. Promote Jingning County credit risk management control level is Jingning County Rural Credit Cooperatives to the inevitable requirement of the long-term development, and the establishment of scientific and effective credit risk prevention system, financial guarantee and support the development of Jingning county's rural economy and the construction of national socialism new countryside can be successfully achieved.
In this paper, the control of Jingning County Rural credit cooperatives credit risk management as the research object, research by means of qualitative and quantitative methods, causes of the credit problems of Jingning County Rural Credit Cooperatives in the current credit risk management and control situation and existing in the management of credit risk control problems and was studied. In view of the current credit risk management and control problems arising in the proposed Jingning County Rural credit cooperatives credit risk management control problems and strengthen the risk management of credit control advice. Not only can improve the Jingning County Rural credit cooperatives credit risk control and management level, but also for the Jingning County Rural Credit Cooperatives in the perfect the credit risk management system to provide certain reference value to solve the problems in the management of credit risk control in Jingning County Rural Credit Cooperatives The series of problems, establishment of a comprehensive scientific and effective credit risk management control mechanism, improve the ability to control the credit risk management, and Research on the Jingning County Rural credit cooperatives credit risk analysis of the long-term development of the credit cooperatives have a certain practical significance, the research of other rural credit cooperatives to provide the necessary reference that provides an important reference for the development of modern credit risk management system of our country and the construction of rural credit cooperatives.

【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F832.4

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