C村镇银行信贷风险管理研究

发布时间：2018-01-16 14:15

本文关键词：C村镇银行信贷风险管理研究　出处：《中南大学》2013年硕士论文　论文类型：学位论文

【摘要】：摘要：农村金融改革与创新是我国农村金融市场发展的必然要求。但当前农村金融市场存在巨大的供需缺口。在此背景下,国家出台《关于调整放宽农村地区银行业金融机构准入政策更好支持社会主义新农村建设的若干意见》,以服务“三农”、促进县域经济发展的村镇银行应运而生。村镇银行的出现,对于激活农村金融市场、丰富和完善农村金融组织体系、搭建农村金融供给新渠道和推动农村金融市场竞争发挥了积极作用。但是,作为一种崭新的农村金融组织形式,村镇银行运行时间短,发展不够充分,不可避免地存在许多问题。特别是伴随着村镇银行试点的大范围铺开及金融创新力度的不断加大,信贷风险管理问题日益成为村镇银行发展面临的重要问题。本文在对村镇银行及银行信贷风险管理相关理论进行综述和分析的基础上,确定了论文研究的基本思路和方法。论文首先对C村镇银行基本情况及信贷业务现状进行简要介绍,并对其信贷风险表现进行了分析。其次,针对C村镇银行信贷风险管理流程、信用评级机制、抵押担保机制、利率定价机制、风险监控机制等信贷风险管理存在的问题及导致问题产生的原因进行了深入剖析。最后,针对C村镇银行在信贷风险管理过程中的不足之处,从信贷风险管理文化、信贷风险管理手段、信贷风险管理制度等几个方面给出了系统、全面的信贷风险管理改进建议。
[Abstract]:Abstract: rural financial reform and innovation is an inevitable requirement for the development of rural financial market in China. However, there is a huge gap between supply and demand in the current rural financial market. The State has issued some opinions on readjusting and relaxing the policy on the admission of banking financial institutions in rural areas to better support the construction of a new socialist countryside in order to serve the "three rural areas." The village bank that promotes county economy development arises at the historic moment. The emergence of village banks has played a positive role in activating the rural financial market, enriching and perfecting the rural financial organization system, setting up new channels of rural financial supply and promoting the rural financial market competition. As a new form of rural financial organization, the operation time of village bank is short, and the development is not enough. It is inevitable that there are many problems, especially with the development of village bank and the increasing of financial innovation, the problem of credit risk management has become an important problem in the development of village bank. This paper summarizes and analyzes the theories related to the credit risk management of village banks and banks. This paper defines the basic ideas and methods of this paper. Firstly, the paper briefly introduces the basic situation of C village bank and the present situation of credit business, and analyzes its credit risk performance. Secondly. For C village bank credit risk management process, credit rating mechanism, mortgage guarantee mechanism, interest rate pricing mechanism. Risk monitoring mechanism and other credit risk management problems and causes of the problem are analyzed. Finally, the shortcomings of C Village Bank in the process of credit risk management are analyzed. From the aspects of credit risk management culture, credit risk management means, credit risk management system and so on, this paper gives some systematic and comprehensive suggestions for improving credit risk management.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【共引文献】