正定县农村信用联社信贷风险管理研究
发布时间：2018-10-17 18:56
【摘要】：金融业是国民经济的支柱产业是发展的核心，而银行是金融业的主要实体，是一个重要的骨干。农村信用社又是中国金融业的重要组成部分，在开展各种金融服务的同时还承担了“三农”建设的任务和使命，是建设社会主义新农村的主力军，同时支持着其他商业银行的发展。在一定程度上，农村信用社肩负着比其他银行更多的社会责任。 我国三农问题的核心是农民收入低。导致农民收入低的因素众多,最突出的问题是缺乏有效的金融服务。目前,农民储蓄大部分流入农业银行、或者邮政储蓄银行,之后又一部分流入了大城市或者大项目。经济发展的实践证明,小额农户贷款对于农村、农业、农民来说，是十分重要的，作为发展中国家农业贷款的主要金融机构——农村信用社,这个农村的三大合作组织之一,在支持农业和农村经济发展中的地位举足轻重。 在当前的经济形势下，民间借贷也开始发展，如何使得金融行业在竞争日益激烈的情况下稳步发展，尤其是在信贷资金的潜在风险方面，力争使银行在经营业务发展壮大的过程中，不断提高特定资产在企业管理系统中发挥的作用和质量就显得尤为重要。近年来的实践证明，一方面是商业银行不愿投入导致农村资金短缺，另一方面有资金在农村地区大量外流，农业，农村和农民热切呼吁改善农村金融服务,加强信贷风险管理信贷进入改革时期，以确保信用社信贷以支持地方经济的发展。目前，信用社已进入改革的关键时期，风险管理，特别是信用社信贷风险管理的问题是不断暴露出来，并且严重影响农村信用社的金融业务开展。因此，，为境内农村信用社防范和化解信贷风险，提高信贷资金的整体效率，已经是一个迫在眉睫的重要问题。 正定县地处河北省省会辖区，是京津冀都市圈的重要组成部分，而正定县农村信用联社历年来发展状况较好，是河北省农村金融机构的重要组成部分。但同时面临的问题有：多层次农村金融机构的进入挤占了农信社市场份额、行政干预影响着农信社市场化改革、利率管制放松、行业竞争中利差收入降低、政府监管更加严格、银行经营和风险管制标准提高、各种金融机构瞄准农村市场、行业竞争加剧、农业产业的多风险特征所形成的市场风险、竞争对手优厚待遇造成的人才和客户的流失、金融市场和金融替代品的发展挤压了农信社传统业务等。 本文从正定县农村信用联社信贷风险管理的现状出发，结合自身体会。通过对国内外风险管理现状分析，目的在于研究适合我国农村信用社信贷风险管理绩效评价方法，探讨能有效降低我国农村信用社信贷风险的有关制度和方法。以期对我国农村信用社信贷风险管理，降低有关信贷风险、提高竞争力有所帮助。
[Abstract]:The financial industry is the pillar industry of the national economy is the core of development, and the bank is the main entity of the financial industry and an important backbone. Rural credit cooperatives are also an important part of China's financial industry. They also undertake the task and mission of building "three rural areas" while carrying out various financial services, and are the main force in building a new socialist countryside. It also supports the development of other commercial banks. To some extent, rural credit cooperatives shoulder more social responsibility than other banks. The core of the problem of agriculture, rural areas and farmers is the low income of farmers. There are many factors leading to the low income of farmers, the most prominent problem is the lack of effective financial services. At present, farmers' savings go largely to the Agricultural Bank, or Postal savings Bank, and then to big cities or projects. The practice of economic development has proved that small farmers' loans are very important to rural areas, agriculture, and farmers. As the main financial institutions for agricultural loans in developing countries, rural credit cooperatives, one of the three major rural cooperative organizations, It plays an important role in supporting agriculture and rural economic development. In the current economic situation, private lending has also begun to develop. How to make the financial industry develop steadily in the increasingly competitive situation, especially in the potential risks of credit funds, It is very important for banks to improve the function and quality of specific assets in the enterprise management system. Practice in recent years has proved that, on the one hand, the reluctance of commercial banks to invest in rural areas has led to a shortage of funds in rural areas, and on the other hand, there has been a massive outflow of funds in rural areas, and agriculture, rural areas and farmers are eager to improve rural financial services. Strengthening credit risk management credit entering the reform period to ensure credit cooperatives to support the development of local economy. At present, credit cooperatives have entered a critical period of reform, risk management, especially credit cooperatives credit risk management problems are constantly exposed, and seriously affect the development of rural credit cooperatives financial business. Therefore, it is an urgent and important problem to guard against and resolve the credit risk and improve the overall efficiency of credit funds for the domestic rural credit cooperatives. Zhengding County, located in the provincial capital of Hebei Province, is an important part of the Beijing-Tianjin-Hebei Metropolitan Circle, while the Zhengding County Rural Credit Union has been developing well over the years, which is an important part of the rural financial institutions in Hebei Province. But at the same time, the problems are as follows: the entry of multi-level rural financial institutions has taken up the market share of rural credit cooperatives, the administrative intervention has affected the market-oriented reform of rural credit cooperatives, the interest rate control has been relaxed, the income of interest margin in industry competition has been reduced, and government supervision has become more stringent. Bank management and risk control standards have been raised, various financial institutions are targeting the rural market, industry competition has intensified, market risks have resulted from the multi-risk characteristics of the agricultural industry, and the loss of talents and customers caused by the preferential treatment of competitors, The development of financial markets and financial substitutes has squeezed the traditional business of rural credit cooperatives. Based on the present situation of credit risk management in Zhengding County Rural Credit Union, this paper combines its own experience. By analyzing the present situation of risk management at home and abroad, the purpose of this paper is to study the performance evaluation methods of credit risk management for rural credit cooperatives in China, and to explore the relevant systems and methods that can effectively reduce the credit risk of rural credit cooperatives in China. It is expected to be helpful to the credit risk management of rural credit cooperatives, to reduce the credit risk and to improve the competitiveness of rural credit cooperatives.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35
本文编号：2277643
[Abstract]:The financial industry is the pillar industry of the national economy is the core of development, and the bank is the main entity of the financial industry and an important backbone. Rural credit cooperatives are also an important part of China's financial industry. They also undertake the task and mission of building "three rural areas" while carrying out various financial services, and are the main force in building a new socialist countryside. It also supports the development of other commercial banks. To some extent, rural credit cooperatives shoulder more social responsibility than other banks. The core of the problem of agriculture, rural areas and farmers is the low income of farmers. There are many factors leading to the low income of farmers, the most prominent problem is the lack of effective financial services. At present, farmers' savings go largely to the Agricultural Bank, or Postal savings Bank, and then to big cities or projects. The practice of economic development has proved that small farmers' loans are very important to rural areas, agriculture, and farmers. As the main financial institutions for agricultural loans in developing countries, rural credit cooperatives, one of the three major rural cooperative organizations, It plays an important role in supporting agriculture and rural economic development. In the current economic situation, private lending has also begun to develop. How to make the financial industry develop steadily in the increasingly competitive situation, especially in the potential risks of credit funds, It is very important for banks to improve the function and quality of specific assets in the enterprise management system. Practice in recent years has proved that, on the one hand, the reluctance of commercial banks to invest in rural areas has led to a shortage of funds in rural areas, and on the other hand, there has been a massive outflow of funds in rural areas, and agriculture, rural areas and farmers are eager to improve rural financial services. Strengthening credit risk management credit entering the reform period to ensure credit cooperatives to support the development of local economy. At present, credit cooperatives have entered a critical period of reform, risk management, especially credit cooperatives credit risk management problems are constantly exposed, and seriously affect the development of rural credit cooperatives financial business. Therefore, it is an urgent and important problem to guard against and resolve the credit risk and improve the overall efficiency of credit funds for the domestic rural credit cooperatives. Zhengding County, located in the provincial capital of Hebei Province, is an important part of the Beijing-Tianjin-Hebei Metropolitan Circle, while the Zhengding County Rural Credit Union has been developing well over the years, which is an important part of the rural financial institutions in Hebei Province. But at the same time, the problems are as follows: the entry of multi-level rural financial institutions has taken up the market share of rural credit cooperatives, the administrative intervention has affected the market-oriented reform of rural credit cooperatives, the interest rate control has been relaxed, the income of interest margin in industry competition has been reduced, and government supervision has become more stringent. Bank management and risk control standards have been raised, various financial institutions are targeting the rural market, industry competition has intensified, market risks have resulted from the multi-risk characteristics of the agricultural industry, and the loss of talents and customers caused by the preferential treatment of competitors, The development of financial markets and financial substitutes has squeezed the traditional business of rural credit cooperatives. Based on the present situation of credit risk management in Zhengding County Rural Credit Union, this paper combines its own experience. By analyzing the present situation of risk management at home and abroad, the purpose of this paper is to study the performance evaluation methods of credit risk management for rural credit cooperatives in China, and to explore the relevant systems and methods that can effectively reduce the credit risk of rural credit cooperatives in China. It is expected to be helpful to the credit risk management of rural credit cooperatives, to reduce the credit risk and to improve the competitiveness of rural credit cooperatives.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35
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