浙江上虞农村合作银行信贷风险管理研究

发布时间：2018-05-06 10:56

本文选题：信贷风险 + 信贷风险管理　；参考：《哈尔滨理工大学》2014年硕士论文

【摘要】：近些年来，随着我国金融政策和农村经济的不断发展，我国的农村合作银行取得了快速的发展，成为了农村经济建设的重要支持力量，为我国经济的发展做出了重大贡献。但是，，不可忽视的是，随着我国农村合作银行的不断发展壮大，资产和信贷规模的不断攀升，也逐渐暴漏出来很多问题。信贷风险是我国商业银行面临的最主要的风险，因此，商业银行的风险管理必然以信贷风险管理为核心进行管理。特别是在近年来金融危机，市场环境日益恶化的大背景下，商业银行的贷款质量整体下滑，不良贷款率出现上升的趋势。信贷业务是银行核心的业务，信贷风险直接威胁着商业银行的资金安全，那么如何防范和管理信贷风险成为商业银行风险管理的首要任务。本文运用风险管理的相关理论，结合浙江上虞农村合作银行的发展现状，通过分析其信贷风险管理流程和方法，找出了在其信贷风险管理中存在的问题。基于此，本文提出了浙江上虞农村合作银行进行信贷风险管理要采取的措施和建议。要建议全面的质量风险监管体系。具体措施：有完善公司治理结构，加强内部控制和信贷操作流程规范化，落实贷款三查制度；要建立有效的信贷风险识别和评价体系。具体措施：提高银行风险管理意识，提高信贷风险测量和识别水平，完善财务分析体系；第三要优化贷款结构。具体措施有：严格贷款担保、加强不良贷款清收，优化信贷资产结构、降低贷款集中度风险；最后要加强人才培养和信贷文化建设。
[Abstract]:In recent years, with the continuous development of our country's financial policy and rural economy, the rural cooperative bank of our country has obtained the rapid development, has become the important support force of the rural economic construction, has made the important contribution to the development of our country's economy. However, it can not be ignored that with the continuous development of rural cooperative banks, assets and credit scale continue to climb, but also gradually leak out a lot of problems. Credit risk is the most important risk faced by commercial banks in our country. Therefore, the risk management of commercial banks must take credit risk management as the core. Especially under the background of the financial crisis and the deteriorating market environment in recent years, the loan quality of commercial banks has declined as a whole, and the non-performing loan ratio has shown an upward trend. The credit business is the core business of the bank, and the credit risk directly threatens the capital security of the commercial bank, so how to prevent and manage the credit risk becomes the primary task of the commercial bank risk management. Based on the theory of risk management and the development situation of Zhejiang Shangyu Rural Cooperative Bank, this paper analyzes its credit risk management process and methods, and finds out the problems existing in its credit risk management. Based on this, this paper puts forward some measures and suggestions for the credit risk management of Zhejiang Shangyu Rural Cooperative Bank. To suggest a comprehensive quality risk regulatory system. The concrete measures include perfecting the corporate governance structure, strengthening the internal control and the standardization of the credit operation process, implementing the three-check system of loans, and establishing an effective credit risk identification and evaluation system. Specific measures: to improve the bank risk management awareness, improve the level of credit risk measurement and identification, improve the financial analysis system; third, optimize the loan structure. The specific measures are: strict loan guarantee, strengthening the collection of non-performing loans, optimizing the structure of credit assets, reducing the risk of loan concentration; finally, strengthening the cultivation of talents and the construction of credit culture.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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