石河子交银村镇银行股份有限公司信贷风险管理研究

发布时间：2018-04-15 00:21

本文选题：新疆石河子交银村镇银行 + 信贷风险管理　；参考：《石河子大学》2017年硕士论文

【摘要】：近几年,伴随着国家为促进农村经济的快速发展给予“三农”更为宽泛的政策倾向和强有力的财政投入,我国农村经济和信用环境提升到了一个新的层次,农村经济发展也日益呈现一些新的特点,其对金融服务需求也发生了相应的变化,突出表现在存贷差不断扩大化、贷款需求的多样化、贷款额度的不断提高和贷款的方便快捷等方面。随着我国市场经济的不断发展,我国金融体制也进行了不断的改革,对于银行信贷风险的监管日趋严格,特别是以信贷业务为核心的中小型农商行正面临着前所未有的挑战,不良贷款反弹,防范化解难度增大等问题日益显现。寻求信贷业务更合理的市场定位和更科学的发展模式、制订适合自身发展的信贷风险管理已成为目前农商行所迫切需要解决的问题。本文所选择的石河子交银村镇银行自成立至今凭借其自身规模小、管理严、经营灵活且效率高的特点在丰富和完善当地农村金融体系,规范和强化该地域融资机制等方面的积极作用日渐凸显,但由于石河子交银村镇银行作为一种新兴的农村金融机构,自身起步较晚、根基浅、信贷风险管理水平低,加之当地农村信用状况复杂等原因,其面临较为严峻的信贷风险,而内在信贷风险程度越高,信贷风险管理难度大,信贷风险问题越容易突出。本篇论文以“新疆石河子交银村镇银行股份有限公司”(以下简称“石河子交银村镇银行”)为研究对象,对其信贷风险现状调查研究,发现了村镇银行存在着经营规模小,吸收存款的难度大,流动性明显不足,自身抗风险能力差;对公存款薄弱,资金成本较高,信贷业务品种单一,客户基础较弱,不良贷款反弹压力较大,贷后管理水平有待提高,客户经理业务技能、责任心仍需提升;贷款担保方式单一,制约业务的发展;信贷风险管理意识缺乏等方面的问题。针对这些问题,本文对石河子交银村镇银行的信贷风险管理构建了评价模型,采用了编制调查问卷的评价方法,并得出相应结论。指出存在的问题及其成因,最后借鉴国内外商业银行信贷风险管理模式,提出了石河子交银村镇银行信贷风险管理的改进对策。
[Abstract]:In recent years, with the country giving broader policy tendency and strong financial input to promote the rapid development of rural economy, the rural economy and credit environment of our country has been promoted to a new level.The development of rural economy also presents some new characteristics day by day. The demand for financial services has also changed correspondingly, which is manifested in the increasing difference between deposits and loans, and the diversification of loan demand.The continuous improvement of the loan quota and the convenience of the loan and so on.With the development of market economy in our country, the financial system of our country has been reformed constantly, and the supervision of bank credit risk is becoming more and more strict, especially the small and medium-sized agribusiness with credit business as the core is facing the unprecedented challenge.Non-performing loans rebounded to prevent the difficulty of resolving such problems become increasingly apparent.Seeking more reasonable market orientation and more scientific development mode of credit business and establishing credit risk management suitable for their own development has become an urgent problem for agricultural and commercial banks to solve at present.The Shihezi Jiaoyin Village Bank selected in this paper has enriched and improved the local rural financial system by virtue of its small scale, strict management, flexible management and high efficiency since its establishment.The positive role of standardizing and strengthening the regional financing mechanism is becoming more and more prominent. However, as a new rural financial institution, Shihezi Jiaoyin Village Bank has its own late start, shallow foundation and low level of credit risk management.In addition, the local rural credit situation is complex, it faces more severe credit risk, and the higher the degree of internal credit risk, the more difficult the credit risk management, the more easy to highlight the credit risk problem.This paper takes "Shihezi Jiaoyin Town Bank Co., Ltd." (hereinafter referred to as "Shihezi Jiaoyin Village Bank") as the research object, investigates the present situation of its credit risk, and finds that the village bank has a small scale of operation.The difficulty of absorbing deposits is great, the liquidity is obviously insufficient, and their ability to resist risks is poor; the public deposits are weak, the cost of funds is high, the credit business is single, the customer base is weak, and the pressure of non-performing loans to rebound is greater.The management level after loan needs to be improved, the customer manager's business skill and responsibility still need to be improved; the way of loan guarantee is single, which restricts the development of business; the lack of credit risk management consciousness and so on.Aiming at these problems, this paper constructs an evaluation model for credit risk management of Shihezi Jiaoyin Village Bank, adopts the evaluation method of compiling questionnaire, and draws the corresponding conclusions.The existing problems and their causes are pointed out. Finally, based on the credit risk management model of domestic and foreign commercial banks, the author puts forward the improvement countermeasures of bank credit risk management in Shihezi Jiao-yin Village.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

【参考文献】