中国农业银行固原分行三农贷款风险管理研究

发布时间：2018-06-02 04:42

本文选题：三农贷款 + 风险管理　；参考：《宁夏大学》2013年硕士论文

【摘要】：随着政府大力发展三农的决心和举措,三农的发展迎来了黄金时期,银行的三农业务的发展也迎来了新的机遇。但是,基于三农业务地区差异的特点和三农贷款的高风险特征,这就决定了银行三农贷款的风险管理工作仍需要引起足够的重视和更多的投入。作者根据近三年多来在固原农行风险管理岗位工作所掌握的情况,通过列举法、调查法、演绎法、文献资料法和实证分析等方法,从县域经济风险、固原农行三农贷款风险管理现状和三农贷款的内外部环境等进行分析,指出固原农行三农贷款风险管理中面临的主要风险为信用、市场、操作和声誉风险,并对其具体表现形式进行详细阐述。最后,根据各风险的表现形式,提出了具体的风险管控措施和意见。
[Abstract]:With the government's determination and measures to develop agriculture, rural areas and farmers, the development of agriculture, rural areas and farmers ushered in a golden period, and the development of the bank's agriculture, rural areas and farmers business also ushered in a new opportunity. However, based on the characteristics of regional differences in rural, agricultural and rural areas and the high risk characteristics of loans for agriculture, rural areas and farmers, it is decided that the risk management of loans for agriculture, rural areas and farmers still needs to attract enough attention and more investment. According to the situation in the risk management position of Agricultural Bank of Guyuan in the past three years, the author analyzed the risk of county economy by means of enumeration, investigation, deduction, literature and empirical analysis, etc. Based on the analysis of the present situation of loan risk management for agriculture, rural areas and farmers, and the internal and external environment of the loan, the paper points out that the main risks in credit, market, operation and reputation are the main risks faced by Agricultural Bank of Guyuan in credit, market, operation and reputation risk management. And its concrete manifestation carries on the detailed elaboration. Finally, according to the manifestations of each risk, the specific risk control measures and suggestions are put forward.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

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