县域农村信用社不良贷款台账管理系统的设计与应用

发布时间：2018-01-03 01:32

本文关键词：县域农村信用社不良贷款台账管理系统的设计与应用　出处：《湖南大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来农村信用社因股份制改革的深入进行和历史包袱的逐渐消化、剥离可疑类贷款，不良贷款率已大幅度下降。今年各县域即将启动县域农村信用社改制为农村商业银行。但不良贷款基数较大、压降困难。不良贷款率、损失准备充足率、拨备覆盖率、资本充足率等主要风险指标，距离监管标准仍有较大差距。县域农村信用社必须要建立稳健且完善的不良贷款管理体系，及时诊断问题贷款，遏制不良贷款余额，加速不良贷款的处置。因此，，本文研究的县域农村信用社不良贷款台账管理系统建设具有重要的战略意义。本文主要探讨的是县域农村信用社不良贷款台账管理系统的设计。本文首先界定不良贷款、不良贷款管理和不良贷款管理系统三个重要概念，其次对县域农村信用社不良贷款台账管理系统进行需求和总体分析。系统总体框架包括对不良贷款的管理、合规操作流程，不良贷款统计报表管理、不良贷款资产分析、客户基本信息管理、不良贷款的预警和绩效考核等功能，最后，本文对县域农村信用社不良贷款台账管理系统进行数据库设计，主要是数据库命名规则、结构及系统的主界面与具体功能。县域农村信用社不良贷款台账系统功能模块的设计是本文的重点。从业务实际分析出发对县域农村信用社信贷管理部门的工作流程进行了深入研究，结合农信社的信息系统特点，基于业务流程软件项目，提出了不良贷款台账管理系统特有的解决方案。系统有助于县域农村信用社在解决不良贷款的管理问题和提高基层信用社工作人员的办事效率方面都有意义。
[Abstract]:In recent years, due to the deepening of the reform of the shareholding system and the gradual digestion of historical burdens, rural credit cooperatives have stripped off suspicious loans. The non-performing loan rate has dropped by a large margin. This year, counties will soon start the transformation of county rural credit cooperatives into rural commercial banks. However, the base of non-performing loans is large and the pressure is difficult to drop. There is still a big gap between the main risk indicators such as reserve coverage, capital adequacy ratio and supervision standard. County rural credit cooperatives must establish a sound and perfect management system of non-performing loans and timely diagnose problem loans. Therefore, it is of great strategic significance to study the construction of non-performing loan management system of county rural credit cooperatives. This paper mainly discusses the design of non-performing loan management system in county rural credit cooperatives. Firstly, this paper defines three important concepts: non-performing loan, non-performing loan management and non-performing loan management system. Secondly, the county rural credit cooperatives non-performing loan management system needs and overall analysis. The overall framework of the system includes the management of non-performing loans, compliance operation process, non-performing loan statistical report management. Non-performing loan assets analysis, customer basic information management, non-performing loan warning and performance evaluation functions. Finally, this paper carries on the database design to the county rural credit cooperatives non-performing loan management system. Mainly database naming rules. Structure and the main interface and specific functions of the system. The design of the functional module of the non-performing loan system of the county rural credit cooperatives is the focus of this paper. The work of the credit management department of the county rural credit cooperatives based on the actual business analysis. The process is deeply studied. Combined with the characteristics of the information system of the Rural Credit Cooperative, based on the business process software project. This paper puts forward a special solution to the non-performing loan account management system, which is helpful to the county rural credit cooperatives in solving the management problems of non-performing loans and improving the working efficiency of grass-roots credit cooperatives.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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