ZBL农商行个人信贷风险管理研究

发布时间：2018-03-31 03:00

本文选题：ZBL农商行　切入点：个人信贷　出处：《山东理工大学》2014年硕士论文

【摘要】：农商行是在农村信用社原有的基础上成立的,由于历史原因和条件的限制,农商行的承贷主体及贷款对象,大多是层次低、底子薄、抵抗风险能力弱的农村中、小企业和个体农户,其风险极易被转嫁为农商行的贷款风险。因此,加快构建农商行个人信贷风险管理机制,提高农商行防范个人信贷风险的能力已是当务之急。农商行在我国农村经济和社会发展中居于举足轻重的地位,关系着国民经济命脉和经济安全。对ZBL农商行个人信贷风险管理的研究将有助于减少ZBL农商行不良资产的比例,改善ZBL农商行的盈利能力。ZBL农商行陆续推出了以小额农户、二手房贷款、助学贷款、小额存单抵押贷款等为核心的个人信贷产品。但在组织结构,风险管理激励约束机制,制度与技术以及在贷后管理等方面还存在着许多问题。本文从外部和内部环境两个方面查找了具体原因,为下一步研究提供支撑。在对相关理论阐述的基础上,本文对ZBL农商行个人信贷业务主要风险进行了分析,构建了ZBL农商行个人信贷风险评级模型,提出了ZBL农商行个人信贷风险防范的对策。本文通过利用层次分析法确定指标的权重,采用AHP综合评价方法进行个人信用评价。通过建立个人信用评价模型指标体系以及判断矩阵表,确立了AHP综合评价的个人信用评价模型。实例分析中,利用AHP综合评价方法设计的个人信用评价模型进行个人信用风险评价,其预测正确率相对传统方法有了明显提高,达到了预期效果。最后,提出了ZBL农商行个人信贷风险防范的对策,主要包括建立健全农商行内部个人信贷风险管理体系,积极防范借款人信用风险,构建促进农商行良好发展的配套运行机制,采取有效措施改善农村金融环境等。
[Abstract]:Agricultural and commercial banks were founded on the basis of the original rural credit cooperatives. Due to historical reasons and constraints of conditions, the main lenders and loan objects of agricultural and commercial banks are mostly in the rural areas where the level is low, the foundation is thin, and the ability to resist risks is weak.The risk of small enterprises and individual farmers is easily transferred to the loan risk of agribusiness.Therefore, it is urgent to accelerate the construction of individual credit risk management mechanism of agricultural and commercial banks and to improve their ability to guard against personal credit risks.Agricultural and commercial banks play an important role in the development of rural economy and society in China, which is related to the lifeblood of national economy and economic security.The research on the personal credit risk management of ZBL agribusiness bank will help to reduce the proportion of bad assets of ZBL agribusiness bank, and improve the profitability of ZBL agribusiness bank.Small certificates of deposit mortgage loans as the core of personal credit products.However, there are still many problems in organizational structure, incentive and constraint mechanism of risk management, system and technology, and post-loan management.This paper looks for the specific reasons from the external and internal environment to provide support for the next research.On the basis of expounding the relevant theories, this paper analyzes the main risks of the personal credit business of ZBL agribusiness, constructs the personal credit risk rating model of ZBL agribusiness bank, and puts forward the countermeasures of preventing the personal credit risk of ZBL agribusiness bank.In this paper, the weight of the index is determined by AHP, and the personal credit evaluation is carried out by using the comprehensive evaluation method of AHP.By establishing the index system of personal credit evaluation model and the judgment matrix table, the personal credit evaluation model of AHP comprehensive evaluation is established.In the case analysis, the personal credit risk evaluation model designed by AHP comprehensive evaluation method is used to evaluate the personal credit risk. The prediction accuracy rate is obviously improved compared with the traditional method, and the expected effect is achieved.Finally, the paper puts forward the countermeasures of personal credit risk prevention of ZBL agribusiness bank, including establishing and perfecting the internal personal credit risk management system of agricultural and commercial bank, actively guarding against the credit risk of borrower, and constructing the supporting operation mechanism to promote the good development of agricultural and commercial bank.Take effective measures to improve the rural financial environment.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.479

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