哈密地区农发行信贷风险管理研究

发布时间：2018-01-02 12:38

本文关键词：哈密地区农发行信贷风险管理研究　出处：《新疆大学》2014年硕士论文　论文类型：学位论文

【摘要】：风险是银行的普遍特征，承担和管理风险是银行的基本职责，同时也是银行业务创新发展的原动力。在所有的风险种类中，信贷风险是银行业务中的基本风险品种。中国农业发展银行(以下统一简称为农发行)作为我国唯一专门服务于“三农”发展的政策性银行，，随着其支持三农发展的职能作用不断增强和业务范围不断扩大，信贷风险问题也越来越引起业内外人士的关注和议论。如果不对其进行有效的管理轻则导致银行业务拓展艰难，银行资产质量下降，盈利水平降低；重则资金链条断裂，整个银行系统周转不灵，阻碍国家政策的实施，农发行也就不可能很好地履行其政策性职能。无法完成农发行支持“三农”发展的历史使命，难以实现我国经济全面平衡发展的政策目标。因此加强信贷风险管理对农发行的改革发展有着重大的影响，有必要结合时代特点和业务发展现状，对风险管理进行认真梳理，分析；从而推动农发行的改革发展。本文以哈密地区农业发展银行信贷风险管理为研究对象，在阐释农发行的诞生背景、主要职能，及农发行信贷风险的概念、类型、特征的基础上,客观分析哈密农发行信贷风险管理现状，存在的问题，同时借鉴国内其他金融机构先进的风险管理经验，提出完善信贷风险管理的相应对策,为提高风险管理水平,促进健康发展提供依据。
[Abstract]:The risk is a common feature of the bank, and bear the risk management is the basic duty of the bank, but also the motive force of the development of banking innovation. In all the types of risks, the credit risk is the basic risk varieties of banking business. The Agricultural Development Bank Chinese (hereinafter referred to as the unified agricultural policy bank issue) as the only special the service of our country in the development of "three agriculture", with its functions to support the three rural development constantly enhancing and expanding the scope of business, the credit risk problem has attracted more and more people outside the industry attention and discussion. If you do not carry on the effective management of light to cause the development of banking business difficult, decline in the quality of bank assets, profitability reduce weight; capital chain rupture, the entire banking system liquidity, hinder the implementation of national policy, agricultural development also could not very good performance of the functions of the policy. Complete the agricultural development bank to support the development of "three agriculture" historical mission, to realize our country economy comprehensive balanced development policy. So strengthen the credit risk management has great influence on the reform and development of agricultural development, it is necessary to combine the characteristics and business development era, carefully combing the analysis of risk management so as to promote the reform; the development of agricultural development.
In this paper, the credit risk management of Hami Agricultural Development Bank as the research object, the main function in the background, explain the cbad's concept, and the credit risk of ADBC types, characteristics on the basis of objective analysis of Hami agricultural development bank credit risk management status quo, existing problems, and learn from the advanced experience of other domestic financial institutions risk management, put forward corresponding countermeasures to improve the credit risk management, to improve the level of risk management, provide the basis for the promotion of healthy development.

【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.31;F832.4

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