深圳龙岗国安村镇银行信贷风险管理研究

发布时间：2018-03-07 13:00

本文选题：深圳龙岗国安村镇银行　切入点：信贷风险管理　出处：《湘潭大学》2014年硕士论文　论文类型：学位论文

【摘要】：村镇银行是一种新型的农村金融机构，，它是在国家和政府的大力支持下才成立的金融服务机构，与一般的商业银行有较大区别，竞争力相对要弱，吸收存款的能力不强。村镇企业的发展也远不如大城市的企业，造成了村镇银行相对恶劣的生存环境。信贷风险管理是发展村镇银行的重点和难点，如何突破信贷风险管理瓶颈进而实现村镇银行的长期可持续发展是一个值得深入研究的课题，论文正是基于此目的而提出的。深圳龙岗国安村镇银行于2012年3月成立，自成立以来，各项业务持续向好，资产规模不断扩大，经营业绩逐步提升，但是在发展过程中也暴露除了一些问题，在信贷风险管理方面主要发现了五个方面的问题：尚未建立完善的信贷风险管理体系，缺乏系统全面的风险管理内控机制，信贷风险管理的方法和手段落后，对流动性风险防范意识不强，信贷人员业务素质低、流动性大、缺乏监管等；主要原因包括内部监管机构不健全、融资渠道单一、信用制度体系不健全、缺乏专业人才。论文阅读和整理了大量专业文献，为深圳龙岗国安村镇银行信贷风险管理改进对策提供了理论指导。论文所涉及的相关理论主要是信息不对称理论、声誉机制理论、信贷抵押模型和基于利益共同体的博弈模型。针对深圳龙岗国安村镇银行在信贷风险管理方面所存在的问题，论文将信贷风险管理分为贷前风险预防、贷后风险控制两个大阶段和事前治理、事中治理、事后治理三个小步骤；接着针对深圳龙岗国安村镇银行的贷款客户结构分为了三类信贷风险贷前管理模式：中型企业信贷风险管理模式，小微企业、个体户信贷风险管理模式，个人消费性信贷风险管理模式；最后还对深圳龙岗国安村镇银行的信贷风险贷后管理模式进行了详细论述。论文最后从信贷风险识别保障措施、建立科学的信贷风险预防机制、建立信贷风险管理奖惩机制等三个大的方面来对深圳龙岗国安村镇银行信贷风险管理提出了保障措施。
[Abstract]:The village bank is a new type of rural financial institution. It is a financial service institution established with the support of the state and the government. It is quite different from the general commercial bank, and its competitiveness is relatively weak. The ability to absorb deposits is not strong. The development of village and town enterprises is not as good as that of large cities, resulting in a relatively bad living environment for village banks. Credit risk management is the key and difficult point of developing village banks. How to break through the bottleneck of credit risk management and realize the long-term sustainable development of village banks is a subject worthy of further study. The Shenzhen Longgang Guoan Village Bank was established in March 2012. Since its establishment, various businesses have continued to improve, the scale of assets has continued to expand, and the business performance has been gradually improved. However, in the course of development, some problems have also been exposed. In the aspect of credit risk management, five problems have been found: not yet perfect credit risk management system, lack of systematic and comprehensive internal control mechanism of risk management, and backward methods and means of credit risk management. The main reasons include the unsound internal supervision organization, the single financing channel, the imperfect credit system system and the lack of professional talents. The paper has read and sorted out a large number of professional documents, which provides theoretical guidance for the improvement of credit risk management of Shenzhen Longgang Guoan Village Bank. The related theories involved in this paper are mainly information asymmetry theory, reputation mechanism theory, etc. Credit mortgage model and game model based on community of interests. Aiming at the problems in credit risk management of Shenzhen Longgang Guoan Village Bank, the paper divides credit risk management into pre-loan risk prevention. After the loan risk control two big stages and the beforehand governance, in the matter governs, after the treatment three small steps; Then according to the loan customer structure of Shenzhen Longgang Guoan Village Bank, there are three types of credit risk management model: credit risk management model for medium-sized enterprises, small and micro enterprises, and self-employed credit risk management model. Finally, the management model of credit risk after loan of Shenzhen Longgang Guoan Village Bank is discussed in detail. Finally, the paper puts forward the safeguard measures of credit risk management of Shenzhen Longgang Guoan Village Bank from three aspects, such as credit risk identification safeguard measures, scientific credit risk prevention mechanism and credit risk management reward and punishment mechanism.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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