鹰潭农商银行“两权”抵押货款风险管理问题研究

发布时间：2018-11-07 12:47

【摘要】：近年来,三农问题一直是社会各界的关注焦点,而用于生产的资金匮乏与短缺又是“三农问题”的一个瓶颈,其突出的表现是农户获得信贷资金较为困难。农村土地承包经营权和农民住房财产权(文中简称“两权”)是农村居民最主要的不动产,因此转化“两权”成为融资手段的两权抵押贷款成为解决农村居民融资难困境的关键点。为了保障农村土地的用益物权,赋予农村居民更多金融消费权益和财产自主权,深化农村金融体制改革和创新,有效盘活农村沉睡的资产——土地,中央及各级政府陆续颁布了惠农和支农政策,其中不乏对两权抵押贷款的改革试点政策。而江西省鹰潭市的贵溪市、余江县分列土地承包经营权和农民住房财产权试点地区,作为本土最大法人机构的鹰潭农商银行开展“两权”抵押贷款为鹰潭市银行业开展精准扶贫,盘活农村沉睡资产、助力“三农”经济发展提供了广阔平台,但也陆续暴露出它在风险管理方面亟需解决的困难和问题。本文基于对鹰潭农商行“两权”抵押贷款的调查研究,深入分析风险发生的原因、风险控制的现状,研究探讨针对“两权”抵押贷款风险管理的措施,力争有效控制贷款行为中的法律风险、市场风险、信用风险、操作风险、声誉风险等风险类型,实现优化贷款资源配置、有效推进银行经营效益与社会效益共赢的目的。
[Abstract]:In recent years, the problem of "agriculture, countryside and farmers" has been the focus of attention from all walks of life, and the shortage and shortage of funds used in production is a bottleneck of the "three agricultural problems", the outstanding manifestation of which is that it is difficult for farmers to obtain credit funds. The rural land contractual management right and the farmer's housing property right (referred to as "two rights" in this paper) are the most important immovable property of rural residents. Therefore, the transformation of "two rights" into a means of financing mortgage loan has become a key point to solve the difficult financing difficulties of rural residents. In order to protect the usufruct right of rural land, give rural residents more rights and interests in financial consumption and property autonomy, deepen the reform and innovation of rural financial system, and effectively activate the dormant assets of rural land, The central government and the governments at all levels have successively promulgated policies to benefit agriculture and support agriculture, among which there are some pilot policies on the reform of mortgage loans. In Guixi City, Yingtan City, Jiangxi Province, and in Yujiang County, the pilot areas of land contractual management rights and farmers' housing property rights are classified. The Yingtan Agricultural and Commercial Bank, as the largest local legal body, has developed the "two rights" mortgage loan, which provides a broad platform for the Yingtan banking industry to carry out accurate poverty alleviation, revitalize the sleeping assets in the countryside, and help the economic development of the "three rural areas". But it also exposed the difficulties and problems that need to be solved in risk management. Based on the investigation and research on the "two rights" mortgage loan of Yingtan Agricultural and Commercial Bank, this paper deeply analyzes the causes of the risk, the present situation of risk control, and discusses the measures of risk management for the "two rights" mortgage loan. In order to effectively control the legal risk, market risk, credit risk, operational risk, reputation risk and other risk types in loan behavior, the purpose of optimizing the allocation of loan resources and effectively promoting the win-win benefits and social benefits of banks is achieved.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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