中国村镇银行发展环境及信用风险分析
发布时间：2019-06-12 01:31
【摘要】：中国农村金融市场供需不平衡,银监会为了提高农村金融的供给能力,出台了一系列的政策措施,来发展以村镇银行为主的农村金融机构。村镇银行采取的是现代企业的经营管理模式,主要为“三农”的建设服务。但是因为经营规模小,经营的成本高等原因,对于村镇银行与大型的城市银行来说,信用风险问题更加的严重。本文研究的目的就是为村镇银行怎样控制风险,实现可持续发展提供可行的建议。本文主要研究了村镇银行的发展环境和村镇银行的信用风险,首先介绍了村镇银行的发展历程、特征,然后描述了村镇银行发展环境以及运营状况和发展中存在的问题,介绍村镇银行的风险类别,分析了其中最主要的信用风险的成因,最后选取样本银行2013-2014年的信贷数据,对村镇银行的信用风险进行了实证研究。本文通过研究得出以下结论:1、发展村镇银行可以改善我国农村金融市场的供需不平衡;2、在村镇银行的发展过程中,信用风险是其中最主要的问题,信息不对称等原因导致了村镇银行的信用风险;3、通过对各种信用风险分析方法的挑选,Creditrisk+模型是最适用村镇银行的信用风险的分析;4、通过实证研究,村镇银行对支农惠农项目的信用风险的控制能力还不够。根据以上的结论,本文提出一些对策建议:1、推进农村金融改革;2、科学的管理体系;3、加强现有机制的公平性,完善村镇银行经营状况;4加大政府补贴,降低信用风险。
[Abstract]:In order to improve the supply and demand of rural finance, the CBRC has issued a series of policy measures to develop rural financial institutions, which are dominated by village and town banks, in order to improve the supply capacity of rural finance in order to improve the supply capacity of rural finance in China's rural financial market. Village and town banks adopt the management mode of modern enterprises, mainly for the construction of agriculture, rural areas and farmers. However, because of the small scale of operation and the high cost of operation, the credit risk problem is more serious for village banks and large city banks. The purpose of this paper is to provide feasible suggestions for village banks to control risks and realize sustainable development. This paper mainly studies the development environment of village bank and the credit risk of village bank, first introduces the development course and characteristics of village bank, then describes the development environment, operation status and existing problems of village bank, introduces the risk category of village bank, analyzes the causes of the most important credit risk, and finally selects the credit data of sample bank from 2013 to 2014. This paper makes an empirical study on the credit risk of village banks. Through the study, this paper draws the following conclusions: 1, the development of village banks can improve the imbalance between supply and demand in the rural financial market of our country; 2, in the process of the development of village banks, credit risk is one of the most important problems, information asymmetry and other reasons lead to the credit risk of village and town banks; 3, through the selection of various credit risk analysis methods, Creditrisk model is the most suitable for the analysis of credit risk of village and town banks; 4. Through empirical research, the ability of village banks to control the credit risk of agricultural projects is not enough. According to the above conclusions, this paper puts forward some countermeasures and suggestions: 1, promote rural financial reform; 2, scientific management system; 3, strengthen the fairness of the existing mechanism and improve the management of village and town banks; 4 increase government subsidies to reduce credit risk.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35
[Abstract]:In order to improve the supply and demand of rural finance, the CBRC has issued a series of policy measures to develop rural financial institutions, which are dominated by village and town banks, in order to improve the supply capacity of rural finance in order to improve the supply capacity of rural finance in China's rural financial market. Village and town banks adopt the management mode of modern enterprises, mainly for the construction of agriculture, rural areas and farmers. However, because of the small scale of operation and the high cost of operation, the credit risk problem is more serious for village banks and large city banks. The purpose of this paper is to provide feasible suggestions for village banks to control risks and realize sustainable development. This paper mainly studies the development environment of village bank and the credit risk of village bank, first introduces the development course and characteristics of village bank, then describes the development environment, operation status and existing problems of village bank, introduces the risk category of village bank, analyzes the causes of the most important credit risk, and finally selects the credit data of sample bank from 2013 to 2014. This paper makes an empirical study on the credit risk of village banks. Through the study, this paper draws the following conclusions: 1, the development of village banks can improve the imbalance between supply and demand in the rural financial market of our country; 2, in the process of the development of village banks, credit risk is one of the most important problems, information asymmetry and other reasons lead to the credit risk of village and town banks; 3, through the selection of various credit risk analysis methods, Creditrisk model is the most suitable for the analysis of credit risk of village and town banks; 4. Through empirical research, the ability of village banks to control the credit risk of agricultural projects is not enough. According to the above conclusions, this paper puts forward some countermeasures and suggestions: 1, promote rural financial reform; 2, scientific management system; 3, strengthen the fairness of the existing mechanism and improve the management of village and town banks; 4 increase government subsidies to reduce credit risk.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35
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