基于农村信用社贷款项目风险管理的研究
发布时间：2018-08-29 07:36
【摘要】：在国内多种金融机构体系中,农村信用社一直活跃于农村金融市场,并发挥越来越重要的作用。但是鉴于农村历史遗留问题、服务领域过于狭隘、经济环境有待开发等问题,农村信用社的不良资产比例较高,贷款管理上也存在很多缺陷。作为地方性的金融机构,农村信用社具有旺盛的发展潜力,主要业务集中在存款、贷款领域,而贷款项目的风险一直高居不下。由此可见,要想提升农村信用社贷款项目风险管理能力,必须根据农村信用社贷款项目风险的发展现状及需求预测进行分析,认识贷款项目风险的生成机理情况。 本文主要研究农村信用社贷款项目的风险管理,首先从国内农村信用社贷款项目风险的研究背景出发,并对其意义进行具体的分析,从而阐述农村信用社和贷款项目风险管理的主要理论要点,根据当前农村信用社开展贷款业务的需求状况,引出农村信用社开展贷款业务存在的隐形风险,并介绍风险识别和风险指标的内容。然后,鉴于盘山县农村信用社贷款项目风险的现状,分别通过贷款主体、贷款环境、贷款对象三个方向进行详尽的阐述,分析其实际的贷款项目风险源。最后,根据农村信用社现存贷款项目的潜在风险,提出贷款项目的风险管理举措,具体从强化内控制度、完善风险文化、培育专业化的员工、开发个性化金融产品、打造信息化信贷平台这五个方面来规避和控制农村信用社贷款项目的风险源,提升农村信用社各方面的管理能力,从而激活农村金融经济的持续发展。 在本文的研究过程中,主要有以下几点的创新： 一是随着农村信用社发展的壮大,关于其体质建设、经营风险、信贷管理举措等方面的研究著作较多,但落实到农村信用社项目风险管理的研究还有待加强,所以,在选题上,本文的研究有一定的创新性。 二是本文从农村信用社贷款项目需求预测进行分析,尤其是全面分析了潜在的贷款项目风险；从农村信用社、借款人、外部环境三个视角对农村信用社贷款风险管理主体进行了深入剖析,总结归纳提出了农村信用社产权不明晰、内控管理混乱、历史包袱过重、内部人道德风险等是导致其贷款风险的主要原因。 三是从盘山县农村信用社的实际发展情况入手,具体阐述了其存在的贷款项目风险因素,提出了加强农村信用社贷款项目风险管理能力的措施,在现实的农村金融机构中具有一定的指导意义。
[Abstract]:Rural credit cooperatives (RCCs) have been active in rural financial markets and play an increasingly important role in various financial institutions. However, in view of the problems left over by rural history, the service field is too narrow, the economic environment needs to be developed, the proportion of non-performing assets of rural credit cooperatives is high, and there are many defects in loan management. As a local financial institution, rural credit cooperatives have a strong development potential, the main business is concentrated in the field of deposits, loans, and the risk of loan projects has been high. It can be seen that in order to improve the risk management ability of rural credit cooperative loan project, it is necessary to analyze the development situation and demand forecast of the loan project risk, and to understand the formation mechanism of loan project risk. This paper mainly studies the risk management of the rural credit cooperative loan project. Firstly, it starts from the research background of the domestic rural credit cooperative loan project risk, and carries on the concrete analysis to its significance. The main theoretical points of risk management of rural credit cooperatives and loan projects are expounded. According to the current demand of rural credit cooperatives for loan business, the hidden risks existing in the development of loan business of rural credit cooperatives are elicited. And introduces the content of risk identification and risk index. Then, in view of the present situation of loan project risk of rural credit cooperative in Panshan County, this paper analyzes the actual risk source of loan project through three directions: loan subject, loan environment and loan object. Finally, according to the potential risks of the existing loan projects in rural credit cooperatives, the risk management measures of the loan projects are put forward, including strengthening the internal control system, perfecting the risk culture, cultivating specialized employees, and developing individualized financial products. To create information credit platform to avoid and control the risk sources of rural credit cooperatives loan projects, improve the management of rural credit cooperatives in all aspects, thereby activating the sustainable development of rural finance and economy. In the research process of this paper, there are some innovations as follows: first, with the development of rural credit cooperatives, there are many research works on their physique construction, management risk, credit management measures, etc. However, the research on project risk management of rural credit cooperatives needs to be strengthened. Second, this paper analyzes the demand forecast of rural credit cooperative loan project, especially the potential loan project risk; from the rural credit cooperative, the borrower, This paper analyzes the main body of credit risk management of rural credit cooperatives from three perspectives of external environment, summarizes and concludes that the property rights of rural credit cooperatives are not clear, the internal control management is chaotic, and the historical burden is too heavy. Moral hazard of insiders is the main reason leading to loan risk. Thirdly, starting with the actual development of rural credit cooperatives in Panshan County, this paper expounds the risk factors of loan projects, and puts forward some measures to strengthen the risk management ability of loan projects in rural credit cooperatives. In the reality of rural financial institutions have a certain guiding significance.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35
本文编号：2210630
[Abstract]:Rural credit cooperatives (RCCs) have been active in rural financial markets and play an increasingly important role in various financial institutions. However, in view of the problems left over by rural history, the service field is too narrow, the economic environment needs to be developed, the proportion of non-performing assets of rural credit cooperatives is high, and there are many defects in loan management. As a local financial institution, rural credit cooperatives have a strong development potential, the main business is concentrated in the field of deposits, loans, and the risk of loan projects has been high. It can be seen that in order to improve the risk management ability of rural credit cooperative loan project, it is necessary to analyze the development situation and demand forecast of the loan project risk, and to understand the formation mechanism of loan project risk. This paper mainly studies the risk management of the rural credit cooperative loan project. Firstly, it starts from the research background of the domestic rural credit cooperative loan project risk, and carries on the concrete analysis to its significance. The main theoretical points of risk management of rural credit cooperatives and loan projects are expounded. According to the current demand of rural credit cooperatives for loan business, the hidden risks existing in the development of loan business of rural credit cooperatives are elicited. And introduces the content of risk identification and risk index. Then, in view of the present situation of loan project risk of rural credit cooperative in Panshan County, this paper analyzes the actual risk source of loan project through three directions: loan subject, loan environment and loan object. Finally, according to the potential risks of the existing loan projects in rural credit cooperatives, the risk management measures of the loan projects are put forward, including strengthening the internal control system, perfecting the risk culture, cultivating specialized employees, and developing individualized financial products. To create information credit platform to avoid and control the risk sources of rural credit cooperatives loan projects, improve the management of rural credit cooperatives in all aspects, thereby activating the sustainable development of rural finance and economy. In the research process of this paper, there are some innovations as follows: first, with the development of rural credit cooperatives, there are many research works on their physique construction, management risk, credit management measures, etc. However, the research on project risk management of rural credit cooperatives needs to be strengthened. Second, this paper analyzes the demand forecast of rural credit cooperative loan project, especially the potential loan project risk; from the rural credit cooperative, the borrower, This paper analyzes the main body of credit risk management of rural credit cooperatives from three perspectives of external environment, summarizes and concludes that the property rights of rural credit cooperatives are not clear, the internal control management is chaotic, and the historical burden is too heavy. Moral hazard of insiders is the main reason leading to loan risk. Thirdly, starting with the actual development of rural credit cooperatives in Panshan County, this paper expounds the risk factors of loan projects, and puts forward some measures to strengthen the risk management ability of loan projects in rural credit cooperatives. In the reality of rural financial institutions have a certain guiding significance.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35
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，本文编号：2210630
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