常宁市农村商业银行信贷风险管理研究

发布时间：2018-02-10 18:27

本文关键词： 农村商业银行信贷风险风险管理 Credit Risk+模型　出处：《中南林业科技大学》2017年硕士论文　论文类型：学位论文

【摘要】：建立科学有效的信贷风险防范机制,提升信贷风险管理水平是农商银行能够健康发展的基本要求,也是对“三农”经济发展、社会主义新农村建设顺利实现的金融支持和保证。本文以常宁市农村商业银行的信贷风险管理为研究对象,以现行信贷风险管理状况分析为基础,通过对各个信贷产品的贷款数据进行定量分析,找出信贷风险的分布情况,为信贷风险管理提出了具体的管理实施方案,通过一系列措施来提高常宁市农村商业银行信贷风险管理水平,为我国农商银行的发展以及现代信贷风险管理制度的建设提供一个必要的借鉴。本文首先对梳理了国内外的信贷风险管理理论,试图找出适合常宁市农村商业银行信贷风险管理改革的思路和途径。其次,对常宁市农村商业银行进行实地研究调查并进行数据收集,将收集的数据进行整理和分析,对常宁市农村商业银行信用贷款不同类型的产品进行了定量分析与探讨。再次,分析了常宁市农村商业银行信贷风险的成因,找出问题所在。最后,根据常宁市农村商业银行信贷风险管理现存的问题针对性的提出了对策和建议。本文运用了 Credit Risk+模型来对常宁市农村商业银行信贷风险因素进行度量和分析,计算出比较精确的信贷风险度量值,然后计算出每个信用等级的风险损失分布,有利于找出常宁市农村商业银行在信贷风险控制中存在的问题,并且根据问题提出科学有效的对策建议。同时,该研究对其它地区的农商银行也具有一定的参考价值。
[Abstract]:To establish a scientific and effective credit risk prevention mechanism and to improve the level of credit risk management are the basic requirements for the healthy development of agricultural and commercial banks and the economic development of agriculture, rural areas and farmers. This paper takes the credit risk management of the rural commercial bank of Changning city as the research object, based on the analysis of the current credit risk management situation. Through the quantitative analysis of loan data of each credit product, the distribution of credit risk is found out, and the concrete management implementation scheme for credit risk management is put forward. Through a series of measures to improve the level of credit risk management of rural commercial banks in Changning City, It provides a necessary reference for the development of agricultural and commercial banks and the construction of modern credit risk management system. This paper tries to find out the ideas and ways to reform the credit risk management of rural commercial banks in Changning City. Secondly, it carries out field investigation and data collection for rural commercial banks in Changning City, and collates and analyzes the collected data. This paper makes quantitative analysis and discussion on different types of products of credit loan of rural commercial bank in Changning city. Thirdly, it analyzes the causes of credit risk of rural commercial bank in Changning city, and finds out the problem. According to the existing problems of credit risk management of rural commercial banks in Changning City, this paper puts forward some countermeasures and suggestions. This paper uses Credit Risk model to measure and analyze the credit risk factors of rural commercial banks in Changning City. It is helpful to find out the problems existing in the credit risk control of rural commercial banks in Changning City by calculating the more accurate credit risk measures and then calculating the risk loss distribution of each credit grade. At the same time, the research has some reference value to the agricultural and commercial banks in other regions.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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