农发行白城市分行粮食信贷业务风险防范问题研究

发布时间：2018-04-23 19:48

本文选题：粮食信贷业务 + 风险防范　；参考：《吉林大学》2013年硕士论文

【摘要】：近年来，国际、国内经济形势错综复杂、充满变数，粮食价格上行趋势和下行压力并存，农产品受国际市场影响加大，形势复杂多变，部分农发行白城市分行开户企业经营出现困难，资金紧张，效益下滑，个别企业参与民间借贷、相互担保，出现问题引发连锁反应，放大风险，导致近两年农发行白城市分行风险贷款频繁出现，不良贷款余额大幅增加，，给下步改革发展带来极大压力。面对严峻的信贷风险防控形势，一方面要认真研究信贷风险产生的成因，并尽快化解现有不良贷款；同时要在有效规避信贷风险的基础上，积极做好粮油信贷业务，充分发挥政策性银行扶持“三农”的职能作用，上述问题已成为农发行白城市分行当前急需解决的重要课题。本文以近几年农发行白城市分行先后出现的五个风险贷款为例，从现有风险贷款四种主要表现形式入手,对每个案例逐一进行认真客观的分析，坚持按照理论与实际相结合的原则，对风险贷款产生的主、客观成因进行了认真的研究，对部分风险贷款的成功化解进行了详细阐述,并有针对性地提出当前及今后一段时期防范粮油信贷风险、化解不良贷款、杜绝新增风险贷款、提高信贷资金使用效益的具体实施措施，其中一些具体措施建议已被省分行采纳,相信有关建议及意见会对农发行白城市分行下步可持续发展带来一定的指导意义。
[Abstract]:In recent years, the international and domestic economic situation is complicated and full of variables. The upward trend and downward pressure of grain prices coexist, and the impact of the international market on agricultural products is increased, and the situation is complex and changeable. Some of the enterprises in the Baicheng branch of the Agricultural Development Bank have difficulties in operating their accounts, their funds are tight, and their benefits are declining. Individual enterprises participate in private lending, guarantee each other, causing problems to trigger a chain reaction and amplify the risks. As a result, the risk loans of Baicheng Branch of Agricultural Development Bank appeared frequently in the past two years, and the balance of non-performing loans increased significantly, which brought great pressure to the next step of reform and development. In the face of the severe situation of credit risk prevention and control, on the one hand, we should seriously study the causes of the credit risk, and resolve the existing non-performing loans as soon as possible; at the same time, we should actively do a good job in grain, oil and oil credit business on the basis of effectively avoiding the credit risk. To give full play to the role of policy banks in supporting agriculture, rural areas and farmers, the above problems have become an important issue urgently needed to be solved by the Baicheng Branch of Agricultural Development Bank. This paper takes five risk loans successively appearing in Baicheng Branch of Agricultural Development Bank in recent years as an example, starting with the four main forms of existing risk loans, making a serious and objective analysis of each case one by one. In accordance with the principle of combining theory with practice, the subjective and objective causes of risk loan are carefully studied, and the successful resolution of some risk loans is elaborated in detail. It also puts forward specific implementation measures to prevent grain and oil credit risks, defuse non-performing loans, put an end to new risk loans, and improve the efficiency of the use of credit funds at present and for a period of time to come. Some of the concrete measures have been adopted by provincial branches. I believe the suggestions and suggestions will bring some guiding significance to the sustainable development of the Baicheng Branch of Agricultural Development Bank in the next step.
【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】：F832.43;F326.11

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