N行三农信贷业务风险管理研究

发布时间：2018-03-21 14:33

本文选题：三农信贷业务　切入点：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】：长期以来,三农信贷业务存在风险高、抵押物少、管理难度大,缺少金融机构竞争等问题,随着深化农业供给侧改革,国家一系列关于“三农”的政策和意见的出台,虽在一定的范围内解决了三农信贷业务风险产生的部分问题,但因涉农金融机构的三农信贷业务风险管理存在这样那样的问题,导致三农信贷业务的不良率还是居高不下。本文在国内外三农信贷业务风险管理研究的相关理论基础上,对N行三农信贷风险管理的现状进行分析,探讨N行近年来三农信贷业务风险管理方面存在的问题及产生的原因,以平罗县支行的三农信贷业务为案例,进一步的说明了三农信贷业务风险管理体系不健全、风险管理手段欠佳、IT支撑力不够、制度落实和员工考核不到位等问题的存在。本文通过强化全面信贷业务风险管理理念、加强信贷业务各环节控制、跟随国家政策加快产品创新、健全风险预警监控系统,强化风险管理考核、建立人才培养机制几个方面提出了具体的改进措施,以减少三农信贷业务风险产生,达到改善N行三农信贷业务风险管理水平的目的。
[Abstract]:For a long time, the credit business of agriculture, rural areas and farmers has many problems, such as high risk, less collateral, great difficulty in management, lack of competition among financial institutions, and so on. With the deepening of agricultural supply-side reform, a series of national policies and opinions on "agriculture, rural areas and farmers" have been issued. Although some problems arising from the risks arising from the credit business of agriculture, rural areas and farmers have been solved to a certain extent, there are some problems in the risk management of the credit business of agriculture, rural areas and farmers in the agri-financial institutions. This paper analyzes the current situation of the credit risk management of agriculture, rural areas and farmers on the basis of the relevant theories of the domestic and foreign research on the credit risk management of agriculture, rural areas, rural areas and farmers at home and abroad, and analyzes the current situation of the credit risk management of agriculture, rural areas and farmers. This paper discusses the problems existing in the credit management of agriculture, rural areas and farmers of N Bank in recent years and its causes. Taking the credit business of agriculture, rural areas and farmers in Pingluo County as a case, the paper further explains that the risk management system of the credit business of agriculture, rural areas and farmers is not perfect. The risk management means are not good enough in IT support, the system implementation and the staff appraisal are not in place. This paper strengthens the credit business risk management idea, strengthens the credit business each link control, and so on, and so on the risk management method is not enough, the system implementation and the staff appraisal are not in place. Following the national policy to speed up product innovation, improve risk early warning monitoring system, strengthen risk management and assessment, establish personnel training mechanism, several aspects of specific improvement measures are put forward, in order to reduce the three rural credit business risks, To achieve the purpose of improving the risk management level of N Bank's three rural credit business.
【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】：F832.43

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