B农村商业银行信贷风险控制研究
发布时间：2018-10-25 15:52
【摘要】：随着农村金融改革不断深化,农村商业银行扩张速度不断加大,网点数呈倍数增长,逐渐成为我国农村地区重要的金融机构。根据银监局数据显示,我国农村商业银行信贷风险远高于大型商业银行及股份制银行。在这样的大背景下,做好农村商业银行信贷风险防范控制工作是进一步完善我国农村金融服务体系、促进农村区域经济发展的迫切需求。本文在研究过程中采用了文献法和案例分析法,通过对国内外银行信贷风险控制的相关理论进行梳理,以B农村商业银行(以下简称B银行)为研究案例,运用定性定量结合的方式分析了 B银行在信贷风险控制方面的不足,其不足主要体现在不良贷款持续高位、不良贷款结构不合理、贷款集中度较高三方面,综合分析信贷风险控制存在问题的内外部因素,认为B银行应从优化信贷风险识别与评估、规范信贷操作流程、完善公司治理结构、建立信贷风险信息系统、加强信贷风险管理监督以及推动风控文化建设六个方面入手,提升信贷风险控制水平,强化B银行核心竞争力,保障其健康有序发展。
[Abstract]:With the deepening of the rural financial reform, the expansion speed of the rural commercial banks is increasing, and the number of nodes is increasing in multiple ways, which gradually becomes an important financial institution in the rural areas of our country. According to the data of the Banking Regulatory Bureau, the credit risk of rural commercial banks is much higher than that of large commercial banks and joint-stock banks. Against this background, it is an urgent need to do a good job in preventing and controlling the credit risk of rural commercial banks in order to further improve the rural financial service system and promote the development of rural regional economy. In the course of the research, this paper adopts the method of literature and case analysis, through combing the relevant theories of bank credit risk control at home and abroad, taking B Rural Commercial Bank (hereinafter referred to as B Bank) as the case study. By using qualitative and quantitative analysis, the paper analyzes the deficiency of Bank B in credit risk control, which is mainly reflected in three aspects: persistent high level of non-performing loans, unreasonable structure of non-performing loans and high concentration of loans. By synthetically analyzing the internal and external factors of credit risk control, it is concluded that bank B should optimize credit risk identification and evaluation, standardize credit operation process, perfect corporate governance structure, and establish credit risk information system. Strengthening the supervision of credit risk management and promoting the construction of culture of risk control, improving the level of credit risk control, strengthening the core competitiveness of Bank B, ensuring its healthy and orderly development.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4
本文编号：2294160
[Abstract]:With the deepening of the rural financial reform, the expansion speed of the rural commercial banks is increasing, and the number of nodes is increasing in multiple ways, which gradually becomes an important financial institution in the rural areas of our country. According to the data of the Banking Regulatory Bureau, the credit risk of rural commercial banks is much higher than that of large commercial banks and joint-stock banks. Against this background, it is an urgent need to do a good job in preventing and controlling the credit risk of rural commercial banks in order to further improve the rural financial service system and promote the development of rural regional economy. In the course of the research, this paper adopts the method of literature and case analysis, through combing the relevant theories of bank credit risk control at home and abroad, taking B Rural Commercial Bank (hereinafter referred to as B Bank) as the case study. By using qualitative and quantitative analysis, the paper analyzes the deficiency of Bank B in credit risk control, which is mainly reflected in three aspects: persistent high level of non-performing loans, unreasonable structure of non-performing loans and high concentration of loans. By synthetically analyzing the internal and external factors of credit risk control, it is concluded that bank B should optimize credit risk identification and evaluation, standardize credit operation process, perfect corporate governance structure, and establish credit risk information system. Strengthening the supervision of credit risk management and promoting the construction of culture of risk control, improving the level of credit risk control, strengthening the core competitiveness of Bank B, ensuring its healthy and orderly development.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4
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