农发行延边州分行土地整治项目贷款风险控制研究

发布时间：2018-03-27 22:18

本文选题：农发行　切入点：土地整治贷款　出处：《吉林大学》2013年硕士论文

【摘要】：土地整治关系到农民生活、农业生产和农村发展，做好土地整治工作更是解决好“三农”问题的重中之重。随着农业生产发展和农民生活水平的提高，农村城镇化进程加快，当前土地整治工作已经进入一个新的阶段，随之而来的土地整治项目贷款的风险问题也逐渐显露出来。事实上，土地整治项目贷款风险是客观存在的，我们所能做的就是通过主观努力去控制它。因此，拓展业务与防控风险已经成为农发行延边州分行业经营管理不可分割的两个主要方面。农业发展银行在建立现代银行的过程中，金融产品不断增加、金融服务手段日趋现代化，与之相伴的经营风险，主要是贷款风险也逐步增多，土地整治项目贷款风险的表现尤为突出。其风险原因是多方面的，如政策变化、承贷主体信用缺失、市场变化、银行管理不善、操作失误、决策偏差等等。因此，对农发行土地整治项目贷款风险控制进行研究具有非常现实和深远的意义，农发行必须遵循现代银行业经营管理的内在规律，，切实注意拓展业务与控制风险的均衡性。本文运用理论分析与实证分析相结合的方法，对农发行延边州分行土地整治项目贷款风险控制的全过程进行研究，分别讨论了土地整治项目贷款的风险识别、评估、检测和控制。本文在结构上共分四章，第一章阐述了研究背景、研究意义，研究思路及方法，对全文进行概括性说明；第二章通过分析土地整治项目贷款现状，对风险识别、风险评估以及风险控制的基本概念进行说明，对引起项目贷款风险的物质和人为因素进行了归类总结，并由此讨论了引发农发行延边州分行土地整治项目贷款风险的主要原因。项目贷款风险控制的内容涵盖了从项目贷款风险识别、估测、评价到风险应对的全过程，是一个从定性评价到定量测度，从认识风险到规避风险和控制风险的全过程；第三章从土地整治贷款风险评估指标设计、业务流程步骤设计以及风险控制三个方面阐述了农发行延边州分行土地整治项目贷款的风险控制设计情况；第四章提出农发行延边州分行土地整治项目贷款风险控制的具体保障和措施，首先，完善土地整治贷款评估制度设计，主要包括健全贷款风险预警体系及相关的责任制度，促进农业政策性金融的制度建设。其次，建立土地整治项目的贷款风险评估监控机制，主要包括加强贷款的风险内部控制与项目环节的监控，加强农发行项目贷款风险监控的创新。最后，建立相关部门的协调机制，包括设置独立的风险管理组织机构、建立完善的技术研发体系、完善农发行和承贷主体及相关政府部门的合作机制、加强银行内部信贷人员的队伍建设等。
[Abstract]:Land regulation relates to the life of farmers, agricultural production and rural development. It is the most important task to solve the problems of "agriculture, countryside and farmers". With the development of agricultural production and the improvement of farmers' living standards, the process of urbanization in rural areas is accelerated. At present, the land renovation work has entered a new stage, and the subsequent risks of loans for land renovation projects have gradually become apparent. In fact, the risks of loans for land renovation projects are objectively present. All we can do is to control it through subjective efforts. Therefore, expansion of business and prevention and control of risks have become two inseparable aspects of the sub-industry management in Yanbian Prefecture of Agricultural Development Bank. In the course of establishing the modern bank, the agricultural development bank, with the increasing of financial products and the modernization of the means of financial service, the management risks associated with them, mainly the risk of loans, are also gradually increasing. The risk of land renovation project is especially outstanding. The risk reasons are various, such as policy change, credit loss of the principal part of the loan, market change, poor bank management, operation error, decision deviation and so on. It is of great practical and far-reaching significance to study the loan risk control of the land renovation project of Agricultural Development Bank. The Agricultural Development Bank must follow the internal rules of modern banking management and pay attention to the balance between expanding business and controlling risks. In this paper, the whole process of loan risk control of land regulation project in Yanbian Branch of Agricultural Development Bank is studied by combining theoretical analysis with empirical analysis, and the risk identification and evaluation of land renovation project loan are discussed respectively. This paper is divided into four chapters in structure. The first chapter describes the research background, research significance, research ideas and methods, and gives a general description of the full text. The basic concepts of risk assessment and risk control are explained, and the material and human factors that cause project loan risk are classified and summarized. The main reasons for the loan risk of the land regulation project in Yanbian Branch of Agricultural Development Bank are discussed. The content of project loan risk control covers the whole process from project loan risk identification, estimation, evaluation to risk response. It is a whole process from qualitative evaluation to quantitative measurement, from understanding risk to avoiding risk and controlling risk. This paper expounds the risk control design of the land regulation project loan in Yanbian Branch of Agricultural Development Bank from three aspects of business process step design and risk control. The fourth chapter puts forward the concrete guarantee and measures of loan risk control in Yanbian Branch of Agricultural Development Bank. First of all, improve the design of loan evaluation system for land renovation, mainly including the improvement of loan risk warning system and related liability system. Secondly, to establish the monitoring mechanism of loan risk assessment for land renovation projects, mainly including strengthening the internal control of loan risk and the monitoring of project links. Finally, establish the coordination mechanism of relevant departments, including the establishment of independent risk management organization, establish a sound technology research and development system, To perfect the cooperative mechanism of the main bodies and relevant government departments of the Agricultural Development Bank and the loan, and to strengthen the construction of the credit staff within the bank.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F301.2

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