A农村信用社不良贷款处置问题研究

发布时间：2018-03-08 23:32

本文选题：农村信用社　切入点：不良贷款　出处：《郑州大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国市场化进程的不断推进和产业结构的不断调整,经济下行压力不断加大,资产质量不断下降,资金风险加剧,银行业面临不良贷款额和不良贷款率双升的压力。在此背景下,A农村信用社不仅要面对不良贷款不断攀升、处置压力较大带来的金融风险和利润空间的挤压,还要完成自身向农村商业银行的改制,不良贷款率等各项指标达到监管的要求。因此,有效、快速处置不良贷款是A农村信用社现阶段所要解决的关键性问题。A农村信用社作为A县重要的金融机构,存、贷款总量均列全县金融机构首位,对全县农村金融的发展起到了重要的推动作用。但由于自身法人结构治理不当、内控机制不完善以及人力资源水平的约束,加之外部干预、服务对象的特殊性等因素共同叠加的影响,使其在经营中积累了大量的不良贷款。然而在实际处置过程中,现有的处置手段缺乏市场化和创新,存在折偿率低、回收周期长、增资扩股压力大的问题,自身处置管理存在管理粗放,责任认定和追究流于形式,人力资源配置不合理的问题,加之外部条件的约束,给不良贷款处置工作增加了难度,使不良贷款处置率和处置效率较低。基于上述实际不良贷款处置中遇到的问题,结合A农村信用社处置工作的需要和改制农村商业银行的要求,提高不良贷款的处置率和处置效率,达到收回不良贷款、资产保全的本质目标,对A农村信用社提出以下对策建议。一,A农村信用社应重视不良贷款处置管理,转变不良贷款处置管理理念,加强不良贷款管理的团队建设工作;二,完善信息化和内控机制的建设,强化风险管控机制;三,着力于创新不良贷款的处置手段,改变传统的盈利模式;四,强化不良贷款激励约束机制,加大奖惩力度,防范道德风险,加强表外不良贷款的清收工作;五,争取地方政府的支持,加强与政府部门的合作,依靠政府维持良好的外部环境,并通过政策的引导实现不良贷款的积极处置。
[Abstract]:With the development of marketization and the adjustment of industrial structure in China, the downward pressure on the economy is increasing, the quality of assets is declining, and the risk of capital is increasing. The banking industry is under the pressure of double increase in the amount of non-performing loans and the rate of non-performing loans. Under this background, rural credit cooperatives not only have to face the pressure of increasing non-performing loans, but also the squeeze of financial risks and profit margins brought by the greater pressure. It is also necessary to complete the restructuring of its own rural commercial banks, the non-performing loan ratio and other indicators to meet the requirements of supervision. Fast disposal of Non-performing loans is a key problem to be solved by A Rural Credit Cooperatives at the present stage. As an important financial institution in County A, the total amount of deposits and loans is ranked first in the county. It has played an important role in promoting the development of rural finance in the county. However, due to the improper governance of its own legal person structure, the imperfect internal control mechanism and the restriction of human resources level, as well as external intervention, Because of the influence of the particularity of service object and other factors, it accumulates a large amount of non-performing loans in operation. However, in the process of actual disposal, the existing disposal means lack of marketization and innovation, there is a low repayment rate, and the recovery period is long. The problems of increasing capital and expanding shares, such as extensive management, responsibility confirmation and investigation, unreasonable allocation of human resources, and the constraints of external conditions make it more difficult to deal with non-performing loans. The disposal rate and efficiency of non-performing loans are low. Based on the problems encountered in the actual non-performing loan disposal mentioned above, combined with the needs of the disposal work of A rural credit cooperatives and the requirements of reforming the rural commercial banks, In order to improve the disposal rate and disposal efficiency of non-performing loans and achieve the essential goal of recovering non-performing loans and preserving assets, this paper puts forward the following countermeasures and suggestions for A rural credit cooperatives: first, rural credit cooperatives should attach importance to the management of non-performing loans. Change the management concept of non-performing loans, strengthen the team building of non-performing loans management; second, improve the construction of information and internal control mechanisms, strengthen the risk control mechanism; third, focus on innovative means of non-performing loans disposal, To change the traditional profit model; fourth, to strengthen the incentive and restraint mechanism of non-performing loans, increase incentives and punishments, guard against moral hazard, and strengthen the clearing and collection of off-balance sheet non-performing loans; fifthly, win the support of local governments and strengthen cooperation with government departments. Rely on the government to maintain a good external environment, and through policy guidance to achieve the positive disposal of non-performing loans.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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