吉林省某银行涉农贷款风险管理研究

发布时间：2018-01-01 22:20

本文关键词：吉林省某银行涉农贷款风险管理研究　出处：《吉林大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国农村经济改革的深入，涉农贷款作为支撑农业发展的重要部分，在促进农业科技进步，提升农业基础设施及提高农民收入等方面发挥了重要的作用。吉林省某银行做为服务三农的重要力量，涉农贷款投放比例和投放金额逐年提高，初步探索出具有一定覆盖性和功能性的涉农贷款发展模式，但涉农贷款仍面临着信用、市场和操作等诸多的风险因素。实现涉农贷款的可持续发展需要从贷款风险管理入手，揭示出目前涉农贷款风险管理中存在的问题及成因，据此从机制上对涉农贷款的风险管理措施进行调整，以期达到降低涉农贷款风险的目的。本文通过对吉林省某银行涉农贷款业务实地数据资料整理和分析，总结了影响变量涉农贷款风险管理的指标因素，运用因子分析方法辨识出主要影响因素，，提出降低涉农贷款风险的对策建议。文章分为以下几个部分：第一部分，集中阐述本文研究的背景与意义，指出论文的研究方法、路线，列出文章结构和主要内容。第二部分：概念界定及基础理论。对涉农贷款和风险管理的相关概念进行了界定，指出涉农贷款风险管理的特征。第三部分：吉林省某银行的涉农贷款风险管理现状的分析。从吉林省某银行涉农贷款业务规模、贷款结构、金融资产质量等情况来具体分析影响吉林省某银行的涉农贷款的风险现状，全面分析信用风险、操作风险和市场风险和经济资本的状况。结合吉林省某银行实际，从问题及成因两个角度来分析涉农贷款现有的主要风险，并解释其影响的范围。第四部分：吉林省某银行涉农贷款风险的实证分析。总结风险管理指标数据，运用因子分析方法和步骤，找出影响风险管理水平的主要指标，得出风险管理和控制的结论。第五部分：降低吉林省某银行涉农贷款风险的对策建议。主要包括：构建全面风险管理体系，建立相关信用风险控制机制，强化操作风险的评估和连续性管理，加强市场风险监测管理，培育全员的风险管理意识，加强涉农贷款业务管理的相关培训等。第六部分：对本文进行总结。
[Abstract]:With the deepening of the reform of the rural economy, as an important part of agricultural loans to support agricultural development, in promoting the progress of agricultural science and technology, has played an important role in promoting the agricultural infrastructure and increase farmers' income. A bank of Jilin Province, an important force for rural services, agriculture related loans ratio and delivery amount increased year by year. Preliminary exploration with certain coverage and functional development of agriculture related loans mode, but agricultural loans is still faced with credit, market and operation risk factors. To start from the loan risk management to realize the sustainable development of agriculture related loans, reveals the problems and causes of the current agricultural loan risk management, accordingly from the mechanism on the agricultural loan risk management measures adjusted to reduce agricultural loan risk.
Based on the collation and analysis of Jilin province agriculture bank loan business field data, summarizes the influence variables of agriculture related loans risk management index, using the method of factor analysis to identify the main factors, put forward countermeasures and suggestions to reduce agricultural loan risk. This chapter is divided into the following parts: the first part focuses on the background and significance in this paper, points out the research methods, the paper lists the route, structure and main content of this article. The second part: the definition and basic theory. The related concepts of agricultural loans and risk management were defined, pointed out the characteristics of agriculture related loans risk management. The third part: the analysis of agricultural loan risk management of a bank in Jilin province from the Jilin Province bank agricultural loans, loan structure, financial assets quality and to analyze the impact of a bank in Jilin Province The risk status of agricultural loans, a comprehensive analysis of the credit risk, operation risk and market risk and economic capital situation. Combined with the Jilin Province bank, to analyze the main risk of agriculture related loans from the existing two aspects of problems and causes, and explain its effect. The fourth part: the empirical analysis of Jilin province agriculture loans a bank the summary of the risk management. The risk index data, using factor analysis method and steps, to find out the influence of main indicators of the level of risk management, the risk management and control of the conclusion. The fifth part: the countermeasures to reduce Jilin Province bank agricultural loan risk. Mainly includes: the construction of a comprehensive risk management system, establish credit risk control mechanism. Evaluation of strengthening operation risk and continuity of management, strengthen the market risk monitoring and management, fostering full awareness of risk management, strengthen the agricultural loan business management The sixth part: a summary of this article.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43;F832.33

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