浙江莲都农村合作银行信贷风险管理研究

发布时间：2018-03-25 07:38

本文选题：农村合作银行　切入点：信贷风险管理　出处：《天津大学》2013年硕士论文

【摘要】：农村合作银行的信贷风险管理，广义上指农村合作银行运用各种手段（经济手段、行政手段、法律手段等）对信贷活动实施的管理活动。它是农村合作银行业务管理的重要内容。信贷风险管理是否科学有效直接挂钩于农村合作银行的贷款质量和经济效益。在现今经济改革的大环境下，农村合作银行如何正常运作信贷资金并处理好信贷资金运作过程中的种种经济关系，在风险中避免风险、减少风险以取得较大盈利，这些都是农村合作银行经营过程中必须直面的几个问题。为此，科学地认识和掌握信贷风险管理的职能、内容和理论，是提高农村合作银行信贷风险管理水平的关键，也是探索社会主义市场经济条件下农村合作银行信贷风险管理改革的基础。自2003年中国第一家农村合作银行——宁波鄞州农村合作银行成立以来，在全国范围内，农村合作银行得到了迅速发展。经过十年的改革实践，农村合作银行普遍对促进当地农村经济发展，有效服务“三农”，维护社会稳定发挥了不可替代的作用，积累了不少有益的经验。同时，由于农村合作银行有“合作”的性质，在实际的信贷经营活动中也出现了许多发展中的问题。有效提高农村合作银行的信贷风险管理水平，已是从整体上保证农村合作银行可持续发展的重要途径。鉴于浙江省是中国民营经济结构最为典型，农村合作银行发展最为成熟地区的实际情况，本文选取了浙江丽水市莲都农村合作银行为样本，借助金融学、管理学、发展经济学等理论，从管控基本原则、业务流程、激励约束机制等方面，对其信贷风险管理控制体系设计状况进行较为全面的动态比较研究，并据此给出相应的解决方案。以期此研究成果对今后有关中国农村合作银行信贷风险管理研究具有一定的借鉴作用。
[Abstract]:The credit risk management of rural cooperative bank, in a broad sense, refers to the use of various means (economic means, administrative means) by rural cooperative banks, It is an important content of the management of rural cooperative bank business. Whether the management of credit risk is scientific and effective is directly linked to the loan quality and economic benefit of rural cooperative bank. In the present environment of economic reform, How the rural cooperative bank can normally operate the credit fund and deal with all kinds of economic relations in the process of the operation of the credit fund, avoid the risk in the risk, reduce the risk in order to make a great profit, These are some problems that must be faced directly in the process of rural cooperative bank operation. Therefore, it is the key to improve the level of credit risk management of rural cooperative bank to understand and master the function, content and theory of credit risk management scientifically. It is also the foundation of the credit risk management reform of rural cooperative bank under the condition of socialist market economy. Since the establishment of Ningbo Yinzhou Rural Cooperative Bank, the first rural cooperative bank in China in 2003, the rural cooperative bank has developed rapidly throughout the country. Rural cooperative banks have generally played an irreplaceable role in promoting the development of the local rural economy, effectively serving the "three rural areas" and maintaining social stability, and accumulated a lot of useful experience. At the same time, since the rural cooperative banks have the nature of "cooperation", There are also many problems in the development of the actual credit management activities. It is an important way to ensure the sustainable development of rural cooperative banks to effectively improve the credit risk management level of rural cooperative banks. In view of the fact that Zhejiang Province is the most typical private economy in China and the rural cooperative bank is the most mature area, this paper selects Liandu Rural Cooperative Bank of Lishui City, Zhejiang Province, as a sample, with the aid of finance, management, Based on the theory of development economics, this paper makes a comprehensive and dynamic comparative study on the design of credit risk management and control system from the aspects of basic principles of management and control, business process, incentive and restraint mechanism, etc. Based on this, the corresponding solutions are given, which can be used for reference in the future research on credit risk management of Rural Cooperative Bank of China (RCCB).
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35;F832.4

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