保定农村信用社贷款风险分析及控制对策

发布时间：2018-06-11 16:56

本文选题：农村信用社 + 信贷风险　；参考：《河北大学》2014年硕士论文

【摘要】：农村信用社是我国农村金融体系的重要组成部分,在服务“三农”方面发挥着不可替代的作用。由于城市和农村的二元结构,农业发展长期滞后,农村信用社在国家政策不完善、财政资金扶持力度不够的诸多情况下,其发展呈现出规模小、业务范围窄、资本充足率低、不良贷款大量存在的状况,这种现状直接影响和制约了其服务“三农”的水平。自2003年农村信用社开始商业化改革以来,国家对农村信用社提出了“自主经营、自负盈亏、自担风险、自我发展”的“四自方针”,因此既要兼顾风险又要实现发展是农村信用社近一时期工作的主要目标。信贷业务作为当前农村信用社最主要的盈利手段,其风险的把控显得尤为重要。本文在研究我国农村信用社发展历史的背景下,结合国内外信贷风险方面的相关研究,对影响保定农村信用社信贷风险的外部环境和内部因素进行了分析,针对保定农村信用社的实际情况,主要从战略层面、战术层面和运作层面三个方面对控制信贷风险提出了具体的想法。首先,从战略层面上,农村信用社要调整信贷战略定位,对县辖企业进行市场细分,分类分策进行支持,要通过改革发展,进一步扩充资本逐步壮大农村信用社实力,增强风险抵补能力;其次,从战术层面上,要明晰产权,完善法人治理结构,优化内部控制流程,实施人力资本激励政策;第三,从操作层面上,要努力提高农村信用社风险管理技术含量,通过开展信贷产品创新,密切与优质客户之间的关系等来化解风险,提到资产质量最优的状态。
[Abstract]:Rural credit cooperatives play an irreplaceable role in serving agriculture, countryside and farmers as an important part of our country's rural financial system. Due to the dual structure of urban and rural areas, agricultural development lags behind for a long time, rural credit cooperatives have a small scale, narrow business scope and low capital adequacy rate in many cases where the national policies are not perfect and the financial funds are not enough to support them. The existence of a large number of non-performing loans directly affects and restricts the service level of agriculture, rural areas and farmers. Since the commercial reform of rural credit cooperatives began in 2003, the state has put forward the "four-self policy" of "self-management, self-responsibility for profit and loss, self-risk and self-development" for rural credit cooperatives. Therefore, it is the main goal of rural credit cooperatives to realize both risk and development. As the main profit means of the rural credit cooperatives, the risk control is particularly important. Under the background of studying the development history of rural credit cooperatives in China, this paper analyzes the external environment and internal factors that affect the credit risk of rural credit cooperatives in Baoding, combined with the related research on credit risk at home and abroad. According to the actual situation of Baoding Rural Credit Cooperative, this paper puts forward concrete ideas on controlling credit risk from three aspects: strategy, tactics and operation. First of all, from the strategic level, rural credit cooperatives should adjust the positioning of credit strategy, subdivide the market of enterprises under the jurisdiction of counties, classify and divide them to support, further expand their capital and gradually strengthen the strength of rural credit cooperatives through reform and development. Secondly, from the tactical level, we should clear the property rights, perfect the corporate governance structure, optimize the internal control process, implement the human capital incentive policy; third, from the operational level, It is necessary to improve the technical content of risk management of rural credit cooperatives, to resolve the risks by carrying out innovation of credit products and close relationship with high quality customers, and to mention the state of the best quality of assets.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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