农发行昌吉州分行信贷风险管理研究

发布时间：2018-01-23 04:09

本文关键词： 农业发展银行信贷风险风险管理　出处：《新疆大学》2017年硕士论文　论文类型：学位论文

【摘要】：中国农业发展银行(以下统一简称为农发行)是我国政策性银行中唯一承担支持“三农”任务的银行。2015年农发行改革方案落地,进一步明确了农发行的职能定位、履职重点、现代化建设目标和实施路径(1)。随其支农领域不断拓宽,宏观调控的职能不断增强,信贷资金投放量与日俱增,经济下行压力不减、政策性粮食收购企业潜亏、地方政府直接债务和隐形债务不断增加、农发行筹资难等风险问题日益凸显,如何有效的管理和控制风险是农发行面临的当务之急。本人通过风险管理相关理论基础的研究,结合工作实践,以提出问题-分析问题-解决问题为研究思路,通过应用文献查询法、案例分析法、SWOT分析法对农发行各发展阶段信贷风险管理现状和当前信贷风险管理面临的优劣势分析,以昌吉州分行信贷风险管理研究为样本,针对风险管理存在的问题,提出构建全面风险管理组织架构,进一步完善制定各类信贷风险管理制度,明确信贷风险管理的主管部门,完善信贷管理流程,构建有效的风险化解机制等对策,为农发行新疆分行乃至全国农发行实现全面风险管理提供新的案例支撑和借鉴。
[Abstract]:The Agricultural Development Bank of China (hereinafter referred to as Agricultural Development Bank) is the only bank in our country that undertakes the task of supporting agriculture, rural areas and farmers. In 2015, the reform plan of Agricultural Development Bank fell to the ground. Further clear the function of the Agricultural Development Bank, the focus of the task, modernization construction objectives and implementation path, as its agricultural areas continue to expand, the function of macroeconomic regulation and control is constantly enhanced. The amount of credit funds is increasing with each passing day, the downward pressure on the economy is not decreasing, the policy-oriented grain purchasing enterprises are losing money, the direct and hidden debts of local governments are increasing continuously, and the risk problems such as the difficulty of raising funds for Agricultural Development Bank are becoming increasingly prominent. How to effectively manage and control the risk is the urgent task facing the Agricultural Development Bank. Through the research of the theoretical basis of risk management, combined with the work practice, I put forward the problem-analysis problem-solve the problem as the research ideas. Through the application of literature inquiry method, case analysis method SWOT analysis of agricultural development stages of credit risk management status and current credit risk management facing the advantages and disadvantages of analysis. Taking the credit risk management research of Changji branch as the sample, aiming at the existing problems of risk management, this paper puts forward a comprehensive risk management organizational structure to further improve the development of various credit risk management systems. Make clear the department in charge of credit risk management, perfect credit management flow, construct effective risk resolution mechanism and so on. It provides new case support and reference for Agricultural Development Bank Xinjiang Branch and Agricultural Development Bank of China to realize comprehensive risk management.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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