A市农商银行小额贷款风险管理研究

发布时间：2018-03-25 12:18

本文选题：农商银行　切入点：小额贷款　出处：《青岛大学》2017年硕士论文

【摘要】：小额贷款起源于20世纪60年代孟加拉国乡镇银行的“GB”模式,它是指以城乡低收入阶层为客户群体的小规模的金融服务方式,出现的主要目的是发展农业和消除贫困。我国在1993年引入该种模式,经过这些年的发展,小额贷款业务取得了长足进步,在促进个体工商户和微小企业发展、促进“三农”发展等方面发挥了很大的作用。但是随着业务范围的扩大,农商银行的小额贷款业务所面临的风险问题也在增加,阻碍了该银行小额贷款业务的持续健康发展。因此如何科学的回避、降低和控制这些风险,成为农商银行亟待解决的课题。本文主要对A市农商银行小额贷款业务中的风险进行了识别,并计算了各种风险的权重,给出了风险值的计算方法,最后针对相应的风险提出了对策建议,为A市农商银行加强小额贷款风险管理提供参考和借鉴。首先阐述了A市农商银行小额贷款风险管理研究的背景和意义,并归纳总结了国内外研究现状、提出了研究内容和研究方法;然后介绍了相关的基本理论和理论基础;在此基础上,运用风险树搜寻法识别出A市农商银行小额贷款业务中存在的风险,主要有信用风险、经营风险、行业风险、利率风险和操作风险五种风险类型;接下来,本文分析了衡量上述五种风险的具体指标项目,并利用层次分析法和德尔菲法计算出每种风险类型所占的比重,说明了风险值的计算方法;最后,针对每种风险,结合农商银行的实际情况,提出相应的对策建议,以防范和控制小额贷款风险。
[Abstract]:Microfinance originated in Bangladesh in 1960s Township bank "GB" mode, it refers to the small scale of financial services to urban and rural low-income groups for the customer, the main purpose is to develop agriculture and eliminate poverty. China introduced this model in 1993, after years of development, small business loans made great progress in the promotion of individual industrial and commercial households and small enterprise development, has played a significant role in promoting the development of "three agriculture". But with the expansion of business scope, risk of small business loans of rural commercial bank faces is also increasing, which hindered the bank microfinance business sustainable and healthy development. So how to scientifically to avoid, reduce and control these risks, a rural commercial bank need to resolve the issue. This paper mainly carries on the identification of risk A small loan business in the rural commercial bank Don't, the weight of various risks and calculation, given the risk value method, and finally puts forward some suggestions for the corresponding risk, and provide the reference for strengthening the microfinance risk management of A city rural commercial bank. Firstly expounds the background and significance of the research on microfinance rural commercial bank risk management in A City, and summarizes the the research status at home and abroad, put forward the research contents and methods; and then introduces the related basic theory and theoretical basis; on this basis, the risk existing in the use of risk tree search method to identify A rural commercial bank small loan business, including credit risk, business risk, industry risk, interest rate risk and operational risk five types of risk; next, this paper analyzes the specific indicators measure the risk of the five, and calculate the proportion of each type of risk by AHP and Delphy Fa That explains the calculation method of risk value; finally, for each kind of risk, combined with the actual situation of rural commercial bank, puts forward the corresponding countermeasures and suggestions, in order to prevent and control the risk of small loans.

【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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