甘肃西和农村合作银行信贷风险控制研究

发布时间：2018-01-24 01:23

本文关键词： 甘肃西和农村合作银行信贷风险控制　出处：《兰州大学》2014年硕士论文　论文类型：学位论文

【摘要】：甘肃西和农村合作银行信贷风险管理工作在近几年的发展中得到一定程度的好转。合规理念逐步增强,合规意识明显提高,风险管理水平大幅提升,有章不循、违规操作的现象基本得到遏制。然而长期以来西和农村合作银行由于受管理体制、经营机制及内控管理等诸多因素的影响,积累了相当程度的信贷风险,表现在信贷风险管理的方法和理念陈旧落后,经验判断和简单定性分析仍基本上是主要方式,不良贷款率居高不下,风险隐患集中等诸多风险因素。所以加强信贷风险管理具有重要的现实意义。本文对甘肃西和农村合作银行信贷风险做了深入研究。首先,通过对信贷风险管理理论进行综述研究,为分析和解决西和农村合作银行存在的信贷风险管理问题打好理论基础。其次,对甘肃西和农村合作银行信贷风险管理工作的现状进行了分析,通过统计法研究分析了西和农村合作银行当前信贷状况,找出现阶段信贷风险管理存在的问题及成因。最后,运用信贷风险管理相关的理论知识,再结合当前工作的实际情况,对甘肃西和农村合作银行今后信贷风险管理工作做了改进措施,起到加强甘肃西和农村合作银行信贷风险管理能力的效果。
[Abstract]:In recent years, the credit risk management of the West and Rural Cooperative Bank of Gansu has improved to a certain extent. The compliance concept has been gradually enhanced, compliance awareness has improved significantly, the level of risk management has been greatly improved, and there are rules and regulations. However, due to the influence of management system, management mechanism and internal control management, the western and rural cooperative banks have accumulated a considerable degree of credit risk for a long time. It shows that the methods and ideas of credit risk management are outdated and backward, the empirical judgment and simple qualitative analysis are still the main way, and the non-performing loan rate is still high. So strengthening credit risk management has important practical significance. This paper makes an in-depth study on the credit risk of Gansu West and Rural Cooperative Bank. First of all, through the review of the theory of credit risk management. In order to analyze and solve the problem of credit risk management in West and Rural Cooperative Bank, this paper lays a good theoretical foundation. Secondly, it analyzes the current situation of credit risk management in West and Rural Cooperative Bank of Gansu Province. This paper analyzes the current credit situation of the West and Rural Cooperative Bank by means of statistical method, and finds out the problems and causes of credit risk management in the emerging stage. Finally, using the relevant theoretical knowledge of credit risk management, combined with the actual situation of the current work, the future credit risk management of the West and Rural Cooperative Bank of Gansu Province has been improved. The effect of strengthening the credit risk management ability of Gansu West and Rural Cooperative Bank.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F832.4

【参考文献】