政府、银行、市场三维视野下的我国农村信用社信贷风险管理研究

发布时间：2018-05-13 21:19

本文选题：政府 + 银行　；参考：《西北师范大学》2014年硕士论文

【摘要】：随着中国加入了WTO，中国的经济体制进行了进一步的改革，中国经济开始渐渐从“市场开放阶段”过渡到“规则或制度开放阶段”,这也是中国的第二次“改革开放”。随着经济的快速发展，金融业在我国经济发展中的地位和作用也越来越突出。尽管如此，银行业作为金融业之一，仍处于不发达的阶段。信贷风险是银行业的主要风险之一。农村信用社最主要的业务是信贷业务，农村信用社所面临的最重要的金融风险就是信贷风险，信贷风险也成为人们最关注的金融风险。农村信用社是通过自筹资金,实行民主管理,为农业、农民和农村经济发展提供支持的金融机构,是我国金融体系的重要组成部分。农村信用社的勃兴给中国农村的建设和发展带来了重大的机遇和挑战。同时，多变的市场环境和经营环境以及政府的作用为农村信用社的信贷风险提供了许多不确定性。本文基于A市的农村信用社风险管理的调查，从政府、银行、市场的三维视野出发，结合多中心风险管理理论，探讨和解析了在实践运作中所呈现出的我国农村信用社信贷风险管理的新思路和新视角。全文以Ａ市农村信用社的信贷风险管理为研究对象，一共分为四个部分。第一部分是绪论，主要介绍了本文的选题背景及选题目的和意义，以及相关的关于国内外研究信贷风险管理的理论综述和其相关的基础风险理论。第二部分是本文的新视角，文章通过市场、政府以及银行的三维角度来分析农村信用社的信贷风险管理。第三部分是文章的实证部分，文章通过Ａ市这一案例，实践了从市场、政府以及银行三维角度来关注农村信用社信贷风险管理的必要性。第四部分是结论。本文力图从市场、政府、银行三维视角去研究农村信用社的信贷风险管理，将理论与实际紧密相结合，通过案例实证分析了从市场、政府、银行三维视角能更为有效地实施信贷风险管理，Ａ市农村信用社信贷风险管理的改革与发展的新思路和新思维，对我国农村信用社的信贷风险管理具有较好的实际指导意义。在新的社会环境下，让农村信用社与政府合作，让农村信用社与农户联姻，，力争从竞争的平台中找到超越其它银行的平台，在管理中创新，在创新中改进，以企实现农村信用社信贷风险管理的优化与实施。
[Abstract]:With China's entry into the WTO, China's economic system has been further reform. China's economy has gradually shifted from "market opening stage" to "rule or system opening stage". This is the second "reform and opening up" of China. With the rapid development of economy, the more the position and function of Jin Rong Industry in the economic development of our country In spite of this, the banking industry is still in the stage of underdevelopment as one of the financial industry. Credit risk is one of the main risks of the banking industry. The most important business of the rural credit cooperatives is credit business. The most important financial risk faced by the rural credit cooperatives is credit risk, and the credit risk has also become the most important financial wind. Rural credit cooperative is an important part of our financial system, which is an important part of our financial system through self financing, democratic management, agriculture, farmers and rural economic development. The flourishing of rural credit cooperatives has brought great opportunities and challenges to the construction and development of rural China. At the same time, the changeable market environment and management ring. The role of the government and the government provides a lot of uncertainty for the credit risk of the rural credit cooperatives. Based on the survey of the risk management of the rural credit cooperatives in the A City, this paper, starting from the three dimensional view of the government, the bank and the market, combines the multi center risk management theory, and discusses and analyzes the credit cooperatives credit presented in the actual operation of our country. New ideas and new perspectives of risk management.
The full text takes the credit risk management of A rural credit cooperatives as the research object, which is divided into four parts. The first part is the introduction, which mainly introduces the background of the topic and the purpose and significance of the topic, as well as the related theories about the management of credit risk at home and abroad and the related basic risk theory. The second part is the article. In the new perspective, the article analyzes the credit risk management of rural credit cooperatives through the three dimensions of the market, the government and the bank. The third part is the empirical part of the article. Through the case of A City, the article has practiced the necessity of paying attention to the credit risk management of rural credit cooperatives from the market, the government and the bank's three-dimensional angle. The fourth part is the necessity of the credit risk management of the rural credit cooperatives. Conclusion.
This paper tries to study the credit risk management of rural credit cooperatives from the three dimensions of the market, the government and the bank, and combines the theory with the reality closely. Through the case study, the paper analyzes the effective implementation of credit risk management from the market, the government and the bank's three-dimensional perspective, and the new thought of the reform and development of the credit risk management of the rural credit cooperatives in A city. The road and the new thinking have good practical guiding significance for the credit risk management of the rural credit cooperatives in China. In the new social environment, the rural credit cooperatives and the government cooperate with the government, let the rural credit cooperatives and the farmers marry, and strive to find the flat platform beyond the other banks in the competitive platform, innovate in the management, improve the innovation, and realize the realization of the enterprise. The optimization and implementation of credit risk management in rural credit cooperatives.

【学位授予单位】：西北师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F832.4

【共引文献】