建行青岛市平度支行农贷风险管理研究

发布时间：2018-04-04 18:26

本文选题：农户信贷　切入点：风险管理　出处：《华中农业大学》2013年硕士论文

【摘要】：加强农户贷款的风险管理是促进我国农村小额贷款业务良性发展的必由之路,也是涉农金融机构可持续发展的必然要求。建设银行青岛平度支行近年来积极贯彻中央的支持“三农”政策,寻找金融支持“三农”的有效途径,取得了明显效果。该行的小额农户贷款近三年实现了爆炸式的增长,但至今不良贷款余额为零,既有效推动了地方“三农”的发展,又实现了自身业务的长足发展,为国有银行支持“三农”摸索出了一条有效的途径。尤其是该行在农贷风险的控制方面,做出了令同业瞠目结舌的业绩,他们的做法非常值得研究与推广本文以风险管理理论为研究基础,解析了风险管理的要素、流程与目标,分析了农户贷款的基本特点、运作机制和风险管理方法。在该理论铺垫的基础上,以青岛平度支行为例,分析了当前该行农户贷款的基本运作情况及风险管理状况,总结了该行面临的主要风险,并进行了案例分析。全文的主要研究内容与基本结论如下：论文第三章分析了建设银行平度支行在实施农贷上的业务流程以及所面临的风险,本文将风险主要归纳为四个方面：信用风险、市场风险、操作风险、法律与制度风险,在分析产生上述风险原因的基础上,探讨了相应的风险控制措施。为更好地论证该问题,论文在第四章进一步进行了案例分析。通过引入“速成鸡”事件中六合养殖户贷款来分析建行平度支行所面临的风险及其对此风险的管控,论证了对农户小额贷款风险的管控是非常重要的,它不仅关系着“三农”经济的合理有序发展(本文为家禽养殖业的健康发展),同时也关系着农户小额信贷金融机构的持续发展,是其生死存亡的关键。本文在分析时主要采用理论上的描述,分析方法为归纳法,同时采用数据表格与现实案例来论证,详细阐述和分析了小额信贷的风险管控。鲜活而生动的现实案例有力地支撑了文章的观点。同时本文作者在已有小额贷款风险控制方法的基础上,认为想实现创新,必须在小额贷款的发展模式和风险控制方法上,探索“政府+银行+公司+担保+农户”这一五位一体模式。该模式可以有效克服信用风险、政策风险及无担保的弊端,对平度支行及其它金融机构的农贷风险管理具有一定的借鉴意义。
[Abstract]:Strengthening the risk management of peasant household loan is the only way to promote the healthy development of rural microfinance business in China, and it is also the inevitable requirement for the sustainable development of agricultural financial institutions.In recent years, Qingdao Pingdu Branch of China Construction Bank has actively carried out the central government's policy of supporting agriculture, rural areas and farmers, and has found an effective way to support the "three rural areas" and has achieved obvious results.The bank's small farmers' loans have achieved explosive growth in the past three years, but the balance of non-performing loans has so far been zero, which has effectively promoted the development of the local "three rural areas" and has also realized the rapid development of its own business.For the state-owned banks to support the "three rural" found out an effective way.In particular, the bank has made eye-popping achievements in the control of agricultural loan risks, and their practice is worth studying and popularizing.Based on the theory of risk management, this paper analyzes the elements, processes and objectives of risk management, and analyzes the basic characteristics, operational mechanism and risk management methods of farmers' loans.On the basis of this theory, taking Pingdu Branch of Qingdao as an example, this paper analyzes the basic operation and risk management situation of the bank's farmer loans, summarizes the main risks faced by the bank, and makes a case study.The main research contents and basic conclusions are as follows:The third chapter analyzes the business process and the risks faced by Pingdu Branch of China Construction Bank in the implementation of agricultural loans. The risk is mainly divided into four aspects: credit risk, market risk, operational risk, legal and institutional risk.On the basis of analyzing the causes of the above risks, the corresponding risk control measures are discussed.In order to demonstrate this problem better, the paper further carries on the case analysis in the fourth chapter.By introducing the loan from Liuhe breeders in the incident of "fast chicken" to analyze the risks faced by the Pingdu branch of CCB and its control over this risk, it is proved that it is very important to control the risk of small loans for farmers.It is not only related to the rational and orderly development of the economy of agriculture, rural areas and farmers (this paper is the healthy development of poultry farming industry, but also relates to the sustainable development of farmers' microfinance institutions, which is the key to its survival and death.This article mainly uses the theory description, the analysis method is inductive, simultaneously uses the data table and the real case to prove, elaborated and analyzed the microfinance risk control in detail.Vivid and vivid case studies support the point of view of the article.At the same time, on the basis of the existing risk control methods of microfinance, the author thinks that in order to achieve innovation, the development model and risk control method of microfinance must be put forward.Explore the "government bank companies guarantee farmers" this one-in-one model.This model can effectively overcome the disadvantages of credit risk, policy risk and unsecured risk, and can be used for reference in the management of agricultural loan risk in Pingdu branch and other financial institutions.
【学位授予单位】：华中农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

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