RCQ农村信用社信贷风险管理改进研究

发布时间：2018-03-13 04:14

本文选题：信贷风险管理　切入点：影响因素　出处：《山东理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：信贷风险管理是农村信用社信贷业务发展好坏的重要决定因素,提高信贷风险管理水平,有利于建立有效的风险防范机制,保证信用社信贷资金安全,提高农村信用社的竞争能力和获利能力,提高信用社的经济效益。做好信贷风险管理工作也是农村信用社自身信誉提升的主要途径,是推进信用社业务经营与国际惯例接轨的重要环节。但是种种不确定的宏观政治、经济、自然气候和微观环境发生着变化,使得深受这些环境因素影响的信贷风险也在不断增加,RCQ农村信用社的不良贷款率逐步上升,经营受到了空前的挑战。因此,加强信贷风险管理变得尤为重要。本文首先阐述了信贷风险管理的相关理论及国内外主要研究成果,分析值得借鉴的地方,作为全文研究的理论基础;然后介绍了RCQ农村信用社信贷风险管理的现状。其次,综合运用风险环境分析、制作风险清单、幕景分析等方法,对该信用社的信贷风险影响因素进行识别,运用层次分析法对这些因素进行评估度量,评估出各因素的重要性程度,结合问卷调查得出的调研结果,与RCQ农村信用社在贷前授信管理、贷款发放管理以及贷后管理中实际存在的问题进行对接,明确改进工作的重点。最后,依据度量结果,对授信管理、信用评级、风险预警和风险处理等体系重新进行规划和统一,对信贷风险管理的组织结构进行重构,对信贷风险管理相关制度进行规范和创新,对信贷风险管理改进的外部环境进行优化。
[Abstract]:Credit risk management is an important determinant of the development of credit business in rural credit cooperatives. Improving the level of credit risk management is conducive to establishing an effective risk prevention mechanism and ensuring the security of credit funds of credit cooperatives. Improving the competitiveness and profitability of rural credit cooperatives, improving the economic benefits of credit cooperatives, and doing a good job of credit risk management are also the main ways to enhance the credit standing of rural credit cooperatives. It is an important link in promoting the business operation of credit cooperatives in line with international practice. However, various uncertain macro politics, economy, natural climate and micro environment are changing. The non-performing loan rate of RCQ rural credit cooperatives is rising gradually, and the operation is facing unprecedented challenges because of the credit risk which is greatly influenced by these environmental factors. It is particularly important to strengthen the management of credit risk. Firstly, this paper expounds the relevant theories of credit risk management and the main research results at home and abroad, and analyzes the areas worth learning from, as the theoretical basis of the full text research; Then it introduces the present situation of credit risk management of RCQ rural credit cooperative. Secondly, it identifies the influencing factors of credit risk of the credit cooperative by synthetically using risk environment analysis, making risk list, screen view analysis and so on. Using Analytic hierarchy process (AHP) to evaluate these factors, to evaluate the importance of each factor, combined with the survey results obtained by the questionnaire, and RCQ rural credit cooperatives in the credit management before the loan, Finally, according to the measurement results, credit management, credit rating, credit management, credit rating, The system of risk warning and risk management is planned and unified again, the organizational structure of credit risk management is reconstructed, the relevant system of credit risk management is standardized and innovated, and the external environment of improving credit risk management is optimized.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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