中国农业发展银行JM分行信贷风险管理策略研究

发布时间：2018-01-13 08:37

本文关键词：中国农业发展银行JM分行信贷风险管理策略研究　出处：《哈尔滨工业大学》2014年硕士论文　论文类型：学位论文

【摘要】：中国农业发展银行JM分行（本文简称JM分行）成立于1996年，作为农业发展银行，履行国家粮棉油购销及加工的重要职能，为该市农业的发展提供强大的资金支持。银行是高风险的行业，在银行的经营过程中风险无处不在。而在其风险构成中，最为核心的仍然为信贷风险，信贷风险的管理与JM分行经营活动密切相关，信贷风险的管理水平是JM分行核心竞争力的体现，因此，防范和化解信贷风险是JM分行经营管理中的永恒主题。文章以JM分行业务概况及经营特殊性为基础，以国内外研究理论和该行信贷业务经营分析为依据，通过对该行的信贷业务数据进行统计分析，阐述了JM分行表现出的各种信贷风险特征。本文通过实地调研与理论结合，分析了JM分行信贷风险管理的现状，通过对JM分行经营特点和风险管理现状以及面临的信贷风险的分析，提出其信贷风险管理存在的问题以及产生问题的原因。最后阐述JM分行信贷风险管理的具体措施，包括在全行范围内创建风险管理文化理念，提高信贷风险防范意识，提高信贷队伍建设，，通过完善信贷风险管理机制、风险预警机制和风险经理机制来健全全面风险管理体系，采用先进的信贷风险防控手段和技术提高信贷风险管理能力，加强信贷风险的补偿和转移机制来有效补偿信贷风险带来的不可预测的损失。重点加强对JM分行的贷后管理工作以及内控制度的建设，从多角度多方位的提出JM分行信贷风险管理的策略措施，力争从根本降低JM分行面临的信贷风险。
[Abstract]:Agricultural Development Bank branch Chinese JM (i.e. JM branch) was established in 1996, as the Agricultural Development Bank, to fulfill the functions of national important grain purchase and sale and processing, to provide strong financial support for the development of the agriculture. The bank is a high-risk industry, the risk is everywhere in the bank process. And in the camp the risk, the core is still the credit risk, credit risk is closely related with the management of JM branch of business activities, credit risk management is the embodiment of the core competitiveness of JM branch, therefore, to prevent and resolve the credit risk is the eternal theme of JM branch in the management.
Based on the JM branch business survey and management particularity based on the domestic and foreign theories and the bank credit business analysis as the basis, through statistical analysis of the data of the bank credit business, elaborated the credit risk characteristics of JM branch shows. Through field research and theory, analysis of the current situation the credit risk management of JM branch, JM branch through the analysis of the operating characteristics and the status of risk management and credit risk, the credit risk management and puts forward the existing problems and causes of the problems. Finally, the specific measures of credit risk management of JM branch, including the creation of the concept of risk management culture within the whole bank, improve credit to improve the credit risk prevention awareness, team building, through the improvement of the credit risk management mechanism, risk warning mechanism and risk manager mechanism to improve the comprehensive risk management system And the use of advanced credit risk control methods and technology to improve the credit risk management, strengthen credit risk compensation and transfer mechanism to effectively compensate the credit risk caused by unpredictable losses. To strengthen the focus on the JM branch of the loan management work and the construction of the internal control system, put forward strategies and measures of credit risk management from multi branch JM the angle, and strive to radically reduce the JM branch of credit risk.

【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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