PL农村商业银行信贷风险管理研究

发布时间：2018-01-31 17:24

本文关键词： 农村商业银行信贷风险风险管理　出处：《宁夏大学》2017年硕士论文　论文类型：学位论文

【摘要】：PL农村商业银行地处宁夏银北地区,得益于周边丰富的煤炭资源和工业产业,发展迅速,存贷款规模一直仅次于黄河银行,也是区内首家成功改制成为农村商业银行的县域机构。PL农村商业银行虽较改制前的农村信用合作联社资产质量显著提高,产权更加清晰,资本实力有所提高,但受历史原因和地域条件限制,且经营服务对象主要是“三农”和小企业,这就客观导致了农村商业银行的经营风险远比其他商业银行及股份制银行大得多。面对国内经济下行压力、产业结构调整和县域内工业经济停滞不前等因素影响,PL农村商业银行信贷风险逐步暴漏,严重影响了其稳健经营和健康发展。本文以PL农村商业银行为研究对象,运用文献研究法、案例研究方法及定性和定量相结合法对PL农村商业银行信贷风险管理进行研究,在对其发展概况、经营状况和信贷风险管理情况进行分析的基础之上,通过历史原因、内部原因和外部原因三个方面,客观分析并揭示了PL农村商业银行形成信贷风险的根本原因,然后针对性的提出了规划发展战略、加强信贷结构调整、完善信贷业务内控机制和优化风险管理机制四个方面的管理措施,最后,为了相关措施得以落实,从队伍建设、强化激励及问责、构建信贷风险管理文化三个方面提出了具体的保障措施。本文立足于“新常态”下信贷风险管理的实际,对提高PL农村商业银行的信贷风险管理水平和改革转型具有一定的现实意义。
[Abstract]:The PL Rural Commercial Bank is located in Yinbei area of Ningxia. It has developed rapidly thanks to the abundant coal resources and industrial industry in the surrounding area, and the scale of deposit and loan has always been second only to the Yellow River Bank. It is also the first county institution in the region to be successfully reformed into a rural commercial bank. Although the rural commercial bank has significantly improved the quality of assets and the property rights of the rural credit cooperative association before the reform. Capital strength has been improved, but limited by historical reasons and regional conditions, and the main operating services are "agriculture, rural areas" and small enterprises. This objectively leads to the rural commercial banks operating risk is much greater than other commercial banks and joint-stock banks. Facing the downward pressure of the domestic economy. The adjustment of the industrial structure and the stagnation of the industrial economy in the county have influenced the credit risk of rural commercial banks to leak out gradually. This paper takes PL rural commercial bank as the research object and applies the literature research method. Case study method and qualitative and quantitative analysis of the PL rural commercial bank credit risk management, on the basis of its development overview, business situation and credit risk management analysis. Through historical reasons, internal reasons and external reasons, this paper objectively analyzes and reveals the root causes of the credit risk of PL rural commercial banks, and then puts forward the planning and development strategy. Strengthen the adjustment of credit structure, improve the internal control mechanism of credit business and optimize the risk management mechanism of four management measures. Finally, in order to implement the relevant measures, from the team building, strengthening incentives and accountability. Three aspects of the construction of credit risk management culture put forward specific safeguards. This paper is based on the reality of credit risk management under the "new normal". It is of practical significance to improve the level of credit risk management and reform and transformation of PL rural commercial banks.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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