内蒙古农发行粮油类贷款信贷风险管理研究

发布时间：2019-04-12 11:42

【摘要】：随着国内外金融监管标准的提高及国家对农村金融支持力度的加大，农业政策性银行对其面临的信贷风险进行有效防范和化解势在必行。通过积极主动地对信贷风险进行管理，不仅可以确保国家宏观经济调控政策的顺利执行，而且也可以提高农业政策性银行信贷资产质量，促进农业政策性银行持续健康发展。本文从农业政策性银行信贷概念入手，分析了农业政策性银行信贷风险的特征。相较于商业银行，农业政策性银行信贷风险具有以政策性风险为主、信贷风险集中的特征。在借鉴国外农业政策性银行信贷风险管理经验的基础上，针对内蒙古农发行粮油类贷款信贷风险管理存在的粮食收购贷款条件管理不完善、粮油类贷款贷后监管不到位、粮油类贷款信贷风险防控制度不完善及队伍建设与信贷业务发展不适应等问题，对内蒙古农发行粮油类贷款信贷风险管理提出四大建议：第一，在坚持保优不保劣原则及加强贷前尽职调查前提下，通过建立战略性粮油优质客户群严格把握粮食收购贷款条件；第二，提高粮油类贷款贷后监查意识，并结合粮油类不良贷款档案管理制度与粮油销售情况监测体系，强化粮油类贷款贷后监查力度；第三，在清晰明确粮油类贷款风险管理责任及完善信贷担保风险管理机制的基础上，进一步完善粮油类贷款信贷风险防控机制；第四，以提升员工素质与提高人力资源效能为出发点，，通过推进信贷风险管理文化建设及完善绩效考核制度，加强内蒙古农发行信贷队伍建设。
[Abstract]:With the improvement of financial supervision standards at home and abroad and the increase of state support for rural finance, it is imperative for agricultural policy banks to effectively prevent and resolve the credit risks they face. By actively managing credit risks, we can not only ensure the smooth implementation of national macroeconomic control policies, but also improve the quality of credit assets of agricultural policy banks and promote the sustainable and healthy development of agricultural policy banks. Starting with the concept of agricultural policy bank credit, this paper analyzes the characteristics of credit risk of agricultural policy bank. Compared with commercial bank, the credit risk of agricultural policy bank is mainly policy risk and the credit risk is concentrated. Based on the experience of credit risk management of foreign agricultural policy banks, in view of the grain and oil credit risk management of Inner Mongolia Agricultural Development Bank, the condition management of grain purchase loan is not perfect, and the supervision of grain and oil loan after loan is not in place. Four suggestions on credit risk management of grain and oil loan in Inner Mongolia are put forward, such as the imperfect system of prevention and control of credit risk of grain and oil loans and the incompatibility between the construction of ranks and the development of credit business, to the credit risk management of grain and oil loans in Inner Mongolia Agricultural Bank. On the premise of adhering to the principle of ensuring excellent quality and not protecting inferior quality and strengthening due diligence before loan, we should strictly grasp the loan conditions of grain acquisition by establishing a strategic customer group of high quality grain and oil. Second, we should improve the consciousness of supervision and inspection after grain and oil loans, and strengthen the supervision and inspection efforts after grain and oil loans combined with the management system of grain and oil non-performing loans and the monitoring system of grain and oil sales. Thirdly, on the basis of clearly clarifying the risk management responsibility of grain and oil loans and perfecting the risk management mechanism of credit guarantee, the mechanism of prevention and control of credit risks of grain and oil loans is further improved. Fourth, in order to improve the quality of the staff and improve the efficiency of human resources as the starting point, through promoting the construction of credit risk management culture and improving the performance appraisal system, strengthen the construction of the credit team of the Agricultural Development Bank of Inner Mongolia.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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