A银行B分行“三农贷款”风险管理研究
发布时间：2018-07-29 18:22
【摘要】：“三农问题”是我国长久存在的一个关系国计民生重要问题,国家针对“三农问题”实行了一系列的政策指引,其中一项就是正确做好金融服务引导金融机构加大农村地区资金投入,解决农村地区融资困难的问题,做好“三农贷款”工作。 商业银行为了响应国家金融扶持“三农”的号召普遍加大三农金融建设工作,加大对三农范畴的资金投入工作,并规整成为“三农贷款”系列,涵盖个体服务以及企业服务。在商业银行开辟三农贷款领域过程中,三农经济自然属性造成的一系列后续问题接踵而至,“三农贷款”以逾期率高,不良率高让商业银行踌躇不前。“三农贷款”贷款质量差、贷款增速缓慢、贷款风险高以成为症结,制约着商业银行“三农贷款”积极有效的发展。梳理“三农贷款”层次、调整“三农贷款”机构、优化“三农贷款”质量成了商业银行“三农贷款”风险管理的重点,并已经成为“三农贷款”研究的重要方向。 本文即取A银行B分行为观测点,从“三农贷款”基层工作情况论述,结合笔者工作实践经验,总结“三农贷款”在该银行发展情况,存在问题以及解决途径。通过对该银行数据的总结,风险控制手段的归纳,贷款资产质量的展现,客观的分析“三农贷款”风险的成因,并提出基本的解决方案“三农贷款”风险。
[Abstract]:The "three rural issues" are an important issue related to the national economy and the people's livelihood in China for a long time. The state has implemented a series of policy guidelines on the "three rural issues". One of them is to correctly guide financial institutions to increase capital investment in rural areas, solve the problem of financing difficulties in rural areas, and do a good job of "three rural loans". In response to the call of national financial support for agriculture, rural areas and farmers, commercial banks generally increase the financial construction of agriculture, rural areas and farmers, increase the investment in the scope of agriculture, rural areas and farmers, and regularize them into a series of loans for agriculture, rural areas and farmers, covering both individual services and enterprise services. In the process of commercial banks opening up the field of loans for agriculture, rural areas and farmers, a series of follow-up problems caused by the natural attributes of agriculture, rural areas and farmers have followed one after another. The "three rural loans" have a high overdue rate and a high bad rate makes commercial banks hesitant. The loan quality of "three rural loans" is poor, the loan growth rate is slow, the loan risk is high to become the crux of the problem, which restricts the positive and effective development of the "three rural loans" of commercial banks. Combing the level of "three rural loans", adjusting the organization of "three rural loans" and optimizing the quality of "three rural loans" have become the key points of risk management in the "three rural loans" of commercial banks, and have become an important direction in the study of "three rural loans". This paper takes B branch of Bank A as the observation point, discusses the basic work situation of "three rural loans" and combines the author's practical experience, summarizes the development situation, existing problems and solutions of the "three rural loans" in this bank. Through the summary of the bank data, risk control means, loan asset quality, objective analysis of the "three rural loans" risk causes, and put forward a basic solution "three rural loans" risk.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
本文编号：2153599
[Abstract]:The "three rural issues" are an important issue related to the national economy and the people's livelihood in China for a long time. The state has implemented a series of policy guidelines on the "three rural issues". One of them is to correctly guide financial institutions to increase capital investment in rural areas, solve the problem of financing difficulties in rural areas, and do a good job of "three rural loans". In response to the call of national financial support for agriculture, rural areas and farmers, commercial banks generally increase the financial construction of agriculture, rural areas and farmers, increase the investment in the scope of agriculture, rural areas and farmers, and regularize them into a series of loans for agriculture, rural areas and farmers, covering both individual services and enterprise services. In the process of commercial banks opening up the field of loans for agriculture, rural areas and farmers, a series of follow-up problems caused by the natural attributes of agriculture, rural areas and farmers have followed one after another. The "three rural loans" have a high overdue rate and a high bad rate makes commercial banks hesitant. The loan quality of "three rural loans" is poor, the loan growth rate is slow, the loan risk is high to become the crux of the problem, which restricts the positive and effective development of the "three rural loans" of commercial banks. Combing the level of "three rural loans", adjusting the organization of "three rural loans" and optimizing the quality of "three rural loans" have become the key points of risk management in the "three rural loans" of commercial banks, and have become an important direction in the study of "three rural loans". This paper takes B branch of Bank A as the observation point, discusses the basic work situation of "three rural loans" and combines the author's practical experience, summarizes the development situation, existing problems and solutions of the "three rural loans" in this bank. Through the summary of the bank data, risk control means, loan asset quality, objective analysis of the "three rural loans" risk causes, and put forward a basic solution "three rural loans" risk.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
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