LZNC商业银行惠农信贷风险管理研究

发布时间：2018-03-24 06:18

本文选题：农村商业银行　切入点：惠农信贷风险　出处：《山东理工大学》2016年硕士论文

【摘要】：伴随我国经济的持续进步,农村商业银行在繁荣经济的过程中开始发挥中流砥柱的作用。当前在我国农村,还未形成一个较成熟的金融市场,农村商业银行与商业银行相比,其最主要的业务还是信贷,由此业务带来的风险也自然成为了农村商业银行经营需面对的主要风险。本文从惠农信贷风险管理的角度出发,分别从风险识别、度量、控制等方面开展研究,以当前LZNC商业银行在信贷业务中所暴露出的问题为研究对象,开展研究,并给出有实际价值的改进的办法,以辅助其优化资产,从而有利于农村的经济建设,对我国和谐社会的建设也能起到一定的作用。本文的研究对象是LZNC商业银行的惠农信贷风险管理,全文可划分为五大部分,首先是绪论部分,主要介绍了课题选取的背景以及研究该本文意义所在;接下来介绍国内外关于该本文研究成果,也即本文的综述部分,同时还对与信贷风险关联的理论进行介绍;第三部分将对该行风险管理的现状进行描述,并在此基础上分析造成该状况的原因是什么;第四部分将对该行的风险控制给出合适的政策建议;最后得出相关的结论。本文在开展理论分析的同时也不忘联系实际情况,深入分析LZNC商业银行惠农信贷风险管理的现状、其中存在的一些问题,以及引致问题的原因,预探求能有助于农村商业银行做好惠农信贷风险管理的方法,希望能提出有效的思路与建议辅助农村商业银行的改革与进步,对实际中农村商业银行的风险管理工作提供科学、可行有价值的指导。
[Abstract]:With the continuous progress of China's economy, rural commercial banks have begun to play the role of mainstay in the process of economic prosperity. At present, in China's rural areas, there is not yet a more mature financial market, rural commercial banks compared with commercial banks. The main business is credit, and the risk brought by this business has naturally become the main risk that rural commercial banks have to face. This paper starts from the perspective of credit risk management of benefit agriculture, respectively from the perspective of risk identification, measurement, Taking the problems exposed by LZNC commercial banks in the credit business as the research object, the paper gives some valuable methods to improve the assets of the commercial banks in order to help them optimize their assets. The research object of this paper is the credit risk management of LZNC commercial bank, which can be divided into five parts, the first part is the introduction. This paper mainly introduces the background of the topic selection and the significance of the study. Then it introduces the domestic and foreign research results of this paper, that is, the summary part of this paper, and also introduces the theory related to credit risk. The third part will describe the current situation of the bank's risk management, and on the basis of the analysis of the causes of the situation, the fourth part will give appropriate policy recommendations on the bank's risk control; Finally, we draw the relevant conclusions. This paper not only carries out theoretical analysis, but also does not forget to connect with the actual situation, deeply analyzes the current situation of credit risk management in LZNC commercial banks, and some existing problems, as well as the causes of the problems. The pre-exploration can help the rural commercial banks to do a good job in the management of credit risk, hope to put forward effective ideas and suggestions to assist the reform and progress of rural commercial banks, and provide scientific information for the risk management of rural commercial banks in practice. Practical and valuable guidance.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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