农村信用社信贷风险识别、评估与管理

发布时间：2018-06-11 19:37

本文选题：信贷风险 + 识别　；参考：《山东大学》2014年硕士论文

【摘要】：我国农村信用社通过筹集和融通社会闲置资金,满足了农民和农村工商业的金融需求,为农村经济的发展做出了很大的贡献。但同时,农村信用社不良贷款率高、风险隐患集中、案件潜伏密集等现象层出不穷。一系列措施和改革的推动下,农村信用社的改革和发展已经取得了一定的成就。然而,面对越来越复杂的经济金融环境,农村信用社贷款业务仍面临着严重的挑战,农村信用社信贷风险管理体系已难以适应新时期的新要求。为此,本文分析了我国农村信用社信贷业务存在的问题以及新形势下面临的挑战。在此基础上,本文对信贷风险进行识别和评价,并以Z市农村信用社为例,识别Z市农村信用社信贷业务存在的主要风险,并对其进行评价。最后得出文章结论,并对我国农村信用社信贷风险控制提出政策建议。通过研究,本文认为农村信用社信贷风险管理须从如下几个方面进行：第一、通告农村信用社贷款风险的识别能力,增强农村信用社信贷风险识别和预警能力；第二、加强信贷风险的前期评价,监测农村信用社贷款投向,控制农村信用社贷款条件,加强农村信用社信贷业务操作,以提高农村信用社信贷风险的控制水平；第三、健全农村信用社内部控制结构,完善风险控制环节,规范贷款管理制度,以加强和完善农村信用社内部控制制度建设；第四、农村信用社建立贷款风险补偿机制,建立农业保险制度,构建农村信用社信用评级体系,以创新农村信用社风险防范措施,加强农村信用社信贷风险管理。
[Abstract]:The rural credit cooperatives of our country have made great contributions to the development of rural economy by raising and financing social idle funds to meet the financial needs of farmers and rural industry and commerce. But at the same time, the non-performing loan rate of rural credit cooperatives is high, the risk hidden danger is concentrated, the case latent density and so on phenomenon emerges endlessly. Under the promotion of a series of measures and reforms, the reform and development of rural credit cooperatives have made certain achievements. However, in the face of more and more complex economic and financial environment, the loan business of rural credit cooperatives is still facing serious challenges, the credit risk management system of rural credit cooperatives has been difficult to adapt to the new requirements of the new era. This paper analyzes the problems existing in the credit business of rural credit cooperatives in China and the challenges in the new situation. On this basis, this paper identifies and evaluates the credit risk, and taking Z City Rural Credit Cooperative as an example, identifies the main risks existing in the credit business of Z City Rural Credit Cooperative, and evaluates them. Finally, the paper draws a conclusion, and puts forward some policy suggestions on the credit risk control of rural credit cooperatives in China. Through the research, this paper thinks that the credit risk management of rural credit cooperatives should be carried out from the following aspects: first, To inform rural credit cooperatives of the ability to identify loan risks and enhance their ability to identify and early warning credit risks; second, to strengthen the pre-evaluation of credit risks, to monitor the loan orientation of rural credit cooperatives, and to control the loan conditions of rural credit cooperatives. Strengthen the operation of rural credit cooperatives to improve the level of credit risk control; third, improve the internal control structure of rural credit cooperatives, improve risk control links, standardize the loan management system, In order to strengthen and improve the rural credit cooperatives internal control system construction; fourth, rural credit cooperatives to establish loan risk compensation mechanism, establish agricultural insurance system, rural credit cooperatives credit rating system, in order to innovate rural credit cooperatives risk prevention measures, Strengthening credit risk management of rural credit cooperatives.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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