中国农业发展银行A分行商业性不良贷款案例分析

发布时间：2018-10-09 20:57

【摘要】：自农业发展银行建行以来，农业发展银行作为国家政策性银行，一直从事国家指定范围、对象与用途的贷款业务。随着我国农业产业政策的不断完善和粮食市场全面快速开放，农业发展银行在探索中前进，在改革中发展，进一步开办了商业性贷款业务。农业发展银行承办的商业性信贷业务是在政策性贷款业务基础上的延伸，为农业发展银行提供了更广阔的可持续发展空间。我国政策的不断调整，，为农业发展银行协调发展政策性信贷业务和商业性信贷业务提供了条件。坚定不移的办好政策性信贷业务，审慎积极地开展商业性信贷业务，是实现农业发展银行可持续发展的重要途径。随着市场经济的发展、现代化手段的运用和金融创新进程的加快，银行在服务经济取得相当利润的同时，已经逐步跨入了高风险的行业。拓展业务与防控风险已经成为现代银行经营管理不可分割的两个重要方面。就发展现状来看，农业发展银行的不良贷款已经成为妨碍农业发展银行发展的重要因素。只有全面了解并且准确分析农业发展银行开办信贷业务不良贷款存在的原因，才能更好地提出解决办法及相关措施，才能进一步完善农村市场金融机制，使金融资源合理配置，进一步加快农村市场的健康发展。因此，深入研究农业发展银行如何在保障发展信贷业务的基础上有效防控不良贷款具有重要的现实意义。本文将通过案例分析的形式，以甲公司不良贷款案例为切入点，从不良贷款产生的原因出发，深刻分析并提出化解农业发展银行不良贷款的对策与措施，使农业发展银行开办信贷业务更好的可持续发展，更好地支持“三农”政策。
[Abstract]:Since the Construction Bank of Agricultural Development Bank, as a national policy bank, has been engaged in the loan business of the designated scope, object and purpose of the country. With the continuous improvement of agricultural industrial policy and the rapid opening of grain market in China, the Agricultural Development Bank has advanced in exploration, developed in reform, and further opened the business of commercial loans. The commercial credit business undertaken by the Agricultural Development Bank is an extension on the basis of the policy-oriented loan business, which provides the Agricultural Development Bank with a broader space for sustainable development. The continuous adjustment of China's policy provides the condition for the Agricultural Development Bank to coordinate the development of policy-oriented credit business and commercial credit business. It is an important way to realize the sustainable development of Agricultural Development Bank (ADB) by unswervingly running the policy credit business and developing the commercial credit business prudently and actively. With the development of market economy, the application of modern means and the acceleration of financial innovation, banks have gradually stepped into high-risk industries while making considerable profits in serving the economy. Expansion of business and prevention and control of risk have become two important aspects of modern bank management. As far as the development situation is concerned, the bad loans of the Agricultural Development Bank have become an important factor hindering the development of the Agricultural Development Bank. Only by fully understanding and accurately analyzing the reasons for the existence of non-performing loans in the agricultural development bank can we better put forward solutions and relevant measures, further improve the financial mechanism of the rural market and make the financial resources reasonably allocated. We will further speed up the healthy development of the rural market. Therefore, it is of great practical significance to study how the Agricultural Development Bank can effectively prevent and control non-performing loans on the basis of ensuring the development of credit business. In this paper, through the form of case study, starting from the causes of non-performing loans and taking the non-performing loan cases of A Company as the starting point, the countermeasures and measures to resolve the non-performing loans of the Agricultural Development Bank will be deeply analyzed and put forward. Make Agricultural Development Bank to start credit business better sustainable development, better support the "three rural" policy.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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