农村信用社不良贷款风险控制研究

发布时间：2018-08-28 12:56

【摘要】：农村信用社(农村合作银行、农村商业银行)是我国的农村金融主要的金融机构,也是三农经济和小微企业的主要融资渠道。在现行的金融体制下,农村信用社担负着为农村地区提供金融服务,推动农村经济发展的重任。但是,我国农村金融并不完善,农村信用社背负着很多历史包袱,改革方面也存在很多疑问,随着近年来经济大环境下行,农信社不良贷款问题日趋严重,因为目前农信社主要盈利来源结构仍较为单一,主要依靠贷款利息收入,在近年不良贷款持续增长的背景下,不良贷款问题便成为了影响农信社生存的关键问题。因为不良贷款的不断增加,严重影响了农村信用社的负债结构,农信社创造的经济效益逐步降低,经营风险大大增加,农信社几十年的基业能不能延续下去,已经取决于能不能妥善解决好不良贷款风险控制问题。为了使有限的金融支农信贷资金发挥其最大效力,农村信用社必须做好不良贷款风险管理控制工作,不断提质增效,降低农信社的不良贷款水平。只有农信社先做好了自身的资产质量管理,才能为金融支持我省农村经济社会发展提供更好的支持。
[Abstract]:Rural credit cooperatives (rural cooperative banks, rural commercial banks) are the main financial institutions of rural finance in China, and are also the main financing channels for agriculture, rural economy and small and micro enterprises. Under the current financial system, rural credit cooperatives shoulder the responsibility of providing financial services for rural areas and promoting the development of rural economy. However, China's rural finance is not perfect, rural credit cooperatives bear a lot of historical burdens, and there are many questions about reform. With the economic environment declining in recent years, the problem of non-performing loans of rural credit cooperatives is becoming more and more serious. At present, the main profit source structure of rural credit cooperatives is still relatively single, mainly depends on loan interest income. In recent years, the problem of non-performing loans has become the key problem affecting the survival of rural credit cooperatives under the background of the continuous growth of non-performing loans. Because the unceasing increase of non-performing loans has seriously affected the debt structure of rural credit cooperatives, the economic benefits created by rural credit cooperatives have been gradually reduced, the operating risks have increased greatly, and whether the basic business of rural credit cooperatives for decades can continue. Has decided whether can solve the bad loan risk control question properly. In order to give full play to the limited financial and agricultural credit funds, rural credit cooperatives must manage and control the risk of non-performing loans, improve quality and increase efficiency, and reduce the level of non-performing loans of rural credit cooperatives. Only if the rural credit cooperatives do their own asset quality management well, can they provide better support for the financial support of rural economic and social development in our province.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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