内蒙古农发行商业性贷款风险及其防范对策研究

发布时间：2018-01-05 15:07

本文关键词：内蒙古农发行商业性贷款风险及其防范对策研究　出处：《内蒙古农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：银行业是一个高风险行业，农业政策性银行也是如此。本文以内蒙古农业发展银行（以下简称内蒙古农发行）商业性贷款风险管理为研究课题，旨在探索社会主义市场经济条件下，农业发展银行如何在执行好国家有关政策的前提下，有效防控和化解近年来新开办的商业性贷款风险。本文围绕商业性贷款风险管理这一主线，主要研究和论述了以下四个方面的问题。一是阐述了内蒙古农发行的成立背景和基本信贷职能。二是站在从农业政策性银行的视角，参照国际上对信贷风险的通用分类标准，联系内蒙古农发行商业性贷款业务实际，分析了内蒙古农发行商业性贷款风险的一般分类、主要表现及基本特征。三是重点研究了内蒙古农发行商业性贷款的脆弱性问题。四是从银行风险管理的一般策略入手，站在农发行整体作为统一法人的角度，提出内蒙古农发行商业性贷款风险防范对策的研究。主要包括以下三个方面：首先，加强农业宏观调控，尽可能地减少农业弱质性对银行信贷资金的负面影响，是规避农发行商业性贷款风险的重要途径；其次，，内蒙古农发行开办的商业性贷款业务是在政策界定的业务范围内开展信贷活动，与商业性金融机构相比，对外部经营环境具有高度的依赖性，优化农发行的外部经营环境，是防范和控制商业性贷款风险的重要一环；现代银行的内控机制是防控风险的重要手段，农发行整个系统包括内蒙古农发行防范和控制商业性贷款风险，也需要从完善内部控制入手，寻求治理对策。
[Abstract]:The banking industry is a high-risk industry, and so is the agricultural policy bank. This paper focuses on the commercial loan risk management of the Agricultural Development Bank of Inner Mongolia (hereinafter referred to as the Agricultural Development Bank of Inner Mongolia). The purpose of this paper is to explore how the Agricultural Development Bank can effectively prevent and control the risks of newly established commercial loans in recent years on the premise of carrying out the relevant policies of the state under the condition of socialist market economy. This paper focuses on the main line of commercial loan risk management. This paper mainly studies and discusses the following four aspects: first, the background of the establishment of the Agricultural Development Bank of Inner Mongolia and the basic credit function; second, standing from the perspective of agricultural policy banks. Referring to the international general classification standard of credit risk, this paper analyzes the general classification of commercial loan risk of Agricultural Development Bank of Inner Mongolia in light of the actual situation of commercial loan business of Agricultural Development Bank of Inner Mongolia. The main performance and basic characteristics. The third is to focus on the vulnerability of commercial loans of the Agricultural Development Bank of Inner Mongolia. Fourth, from the general risk management strategy of the bank, standing in the perspective of the Agricultural Development Bank as a unified legal person. Put forward the Inner Mongolia Agricultural Development Bank commercial loan risk prevention measures. Mainly includes the following three aspects: first, strengthen the macro-control of agriculture, as far as possible to reduce the negative impact of agricultural weakness on bank credit funds. It is an important way to avoid the commercial loan risk of Agricultural Development Bank; Secondly, the commercial loan business started by Agricultural Development Bank of Inner Mongolia is to carry out credit activities within the scope of business defined by the policy. Compared with commercial financial institutions, it has a high degree of dependence on the external business environment. Optimizing the external operating environment of Agricultural Development Bank is an important part of preventing and controlling the risk of commercial loans. The internal control mechanism of the modern bank is an important means of preventing and controlling risks. The whole system of Agricultural Development Bank of Inner Mongolia, including the Agricultural Development Bank of Inner Mongolia, should prevent and control the commercial loan risk.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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