G市农村商业银行信贷风险管理研究

发布时间：2018-06-29 07:04

本文选题：农村商业银行 + 信贷风险　；参考：《青岛科技大学》2017年硕士论文

【摘要】：农村商业银行前身是农村信用社,在没有改制之前,农村商业银行的市场定位就是服务三农,立足当地农村、农业、农民发展,兼顾农村地区与城区两大服务主体,承担着支持地方经济发展的重任,为地方三农建设、中小微企业发展提供雄厚的资金后盾,为地方社会稳定、经济改革发展做出了巨大贡献,对整个社会的和谐发展起到了十分重要的作用。近几年,农村商业银行发展势头迅猛,取得了不小的成绩,但是暴露的问题、存在的风险也越来越多。信贷风险是商业银行所面临的最重要的风险形式之一,加强信贷风险管理也成为所有商业银行风险管理的重要组成部分。本文主要结合以往信贷风险管理的经验结论,对G市农村商业银行信贷风险管理现状进行分析研究。通过分析G市农村商业银行的信贷管理体系的构成、信贷管理制度的建设等情况,询问业务人员在信贷过程中的具体操作流程,结合信贷系统数据的分析、以往发生的信贷风险案例等,指出存在的问题,比如信贷风险管理体系不完善、制度执行不严格、高素质信贷管理队伍缺失、信贷结构不合理、信贷风险识别预警体系存在缺陷等。针对这些问题,深入分析信贷风险背后的原因,包括信用环境恶劣、信息不对称、地方行政干预等外部原因,和信贷过程管理疏忽、体系制度不健全、信贷文化建设空白等内部原因。最后针对前面发现的问题提出可操作性的意见建议:加快建设银行完整的风险管理体系、完善风险预警机制、注重信贷人员的业务技能培训道德素质培养等等。对农村商业银行信贷风险管理的研究,有利于提高银行本身信贷资产的质量,促进地方经济的发展、构建和谐社会。
[Abstract]:Rural commercial banks were formerly rural credit cooperatives. Before the restructuring, the market orientation of rural commercial banks was to serve the three rural areas, to base themselves on the development of local rural areas, agriculture and farmers, and to take into account the two main service subjects of rural areas and urban areas. Undertaking the important task of supporting local economic development, providing abundant financial backing for the construction of local agriculture, rural areas and small and medium-sized enterprises, and making great contributions to local social stability and economic reform and development. The harmonious development of the whole society has played a very important role. In recent years, rural commercial banks are developing rapidly and have made great achievements, but the problems exposed, the risks are more and more. Credit risk is one of the most important forms of risk faced by commercial banks, and strengthening credit risk management has become an important part of risk management of all commercial banks. This paper analyzes and studies the present situation of credit risk management of rural commercial banks in G city based on the experience of credit risk management in the past. By analyzing the composition of credit management system and the construction of credit management system of rural commercial banks in G city, the author asks the business personnel about the specific operation process in the credit process, and analyzes the data of the credit system. The existing problems, such as the imperfect credit risk management system, the imperfect implementation of the system, the lack of high-quality credit management team and the unreasonable credit structure, are pointed out in the cases of credit risk in the past. There are some defects in credit risk identification and warning system. In view of these problems, the paper deeply analyzes the reasons behind credit risk, including the bad credit environment, asymmetric information, local administrative intervention and other external reasons, as well as the negligence of credit process management, the imperfect system and system. Credit culture construction blank and other internal reasons. Finally, the paper puts forward some operable suggestions on the problems found before: speeding up the complete risk management system of China Construction Bank, perfecting the risk warning mechanism, paying attention to the training of professional skills and moral quality of credit personnel, and so on. The study on credit risk management of rural commercial banks is helpful to improve the quality of credit assets of banks, promote the development of local economy and build a harmonious society.
【学位授予单位】：青岛科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

【参考文献】