呼伦贝尔市W镇农村信用社信贷风险研究

发布时间：2018-01-14 04:19

本文关键词：呼伦贝尔市W镇农村信用社信贷风险研究　出处：《内蒙古大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,随着经济的发展,多种形式银行相继成立,而主要为农业服务的农村信用合作社也日益发展壮大,多年来发展过程的优劣日益体现出来。本文主要针对WW镇信用社信贷方面问题进行了分析。首先,本文基于W镇农村信用合作社真实数据对信贷风险现状进行了分析,主要包括四个方面的风险:一是不良贷款逐年增多;二是贷款违约事件大量发生的风险;三是担保物难以发挥作用;四是贷款发放集中。正是因为各项风险的存在,使得近年来W镇信用社的信贷资产年质量持续下降,需引起重视。其次,对W镇农村信用合作社出现上述风险的原因进行了分析。主要包括三部分:第一部分是贷款过程中部分流程有缺陷,例如长期贷款比重激增等;第二部分是信贷管理过程不完善,如管理方法落后。第三部分是信用社信贷风险内部控制相对薄弱,包括风险内部控制环境相对薄弱等部分。最后,针对发现的风险以及分析的原因给出相应的建议:如加强内部建设、提升信贷人员的工作水平、建立良好的信贷风险内部控制文化、在此基础上细化贷款过程中的管理措施,保证贷前审查更加细致,贷中信用等级评定更有针对性,贷后管理比不可少。与此同时,重视信贷档案的保管与完善。
[Abstract]:In recent years, with the development of economy, various forms of banks have been established, and the rural credit cooperatives, which mainly serve for agriculture, are growing stronger and stronger. Over the years, the advantages and disadvantages of the development process are increasingly reflected. This paper mainly focused on the credit problems of WW town credit cooperatives. First of all. Based on the real data of W Town Rural Credit Cooperative, this paper analyzes the present situation of credit risk, mainly including four aspects of risk: first, the number of non-performing loans increases year by year; The second is the risk that the loan default event occurs in a large number; Third, the collateral is difficult to play its role; Fourth, the concentration of loans. It is precisely because of the existence of various risks, the credit assets of W town credit cooperatives in recent years continue to decline in quality, need to be paid attention to. Secondly. This paper analyzes the causes of the above risks in the rural credit cooperatives of W Town. It mainly includes three parts: the first part is the defects of some processes in the loan process, such as the sharp increase in the proportion of long-term loans; The second part is the imperfect process of credit management, such as backward management methods. The third part is the credit cooperatives credit risk internal control is relatively weak, including relatively weak risk internal control environment and so on. Finally. In view of the risk found and the analysis of the reasons to give corresponding suggestions: such as strengthening internal construction, improving the working level of credit personnel, establishing a good culture of internal control of credit risk. On this basis, the management measures in the loan process are refined to ensure that the pre-loan examination is more detailed, the credit rating in the loan is more targeted, and the management ratio after the loan is indispensable. At the same time, attention is paid to the preservation and improvement of the credit file.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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