我国地区性中小商业银行涉农企业贷款信贷风险防控研究

发布时间：2018-06-22 12:27

本文选题：中小商业银行 + 涉农企业贷款　；参考：《西南财经大学》2013年硕士论文

【摘要】：信贷风险管理是当前各国商业银行风险管理的核心。如何准确把握和有效防控银行信贷风险,确保银行信贷资金安全,是商业银行的一项长期任务和系统工程。近年来,我国各类商业银行在信贷风险管理,防范和化解信贷风险上做了大量的理论研究与实践探索,取得了明显的成绩和丰富的实践经验,银行信贷资产质量明显提高。地区性中小商业银行是我国经济体制改革的重要成果之一,它们的成立和发展,在一定程度上适应了我国经济结构调整的需要,并且有效地填补了我国中小城市大型国有商业银行由于营业机构压缩所带来的市场空白,中小商业银行较好地满足了中小城市“三农”企业和乡镇企业的融资需求。然而,由于农业产业的弱质性和农业企业的产业特殊性,涉农贷款信贷风险普遍高于其他产业的贷款风险,因此其风险的防控更具有探索和研究价值,在金融不断改革的今天,如何加强银行涉农贷款信贷风险的防控就成为了我国地区性中小商业银行提高竞争力的关键所在。中小商业银行限于资金实力和地域性特点,主要服务对象是中小企业,在这些中小企业中,涉农企业较多,目前涉农企业大多存在资产负债率较高、经营稳定性差、可作抵押的有效财产较少、发展后劲不足等问题。面对经营状况稳定性较差的客户群,农村商业银行客观上将承受更多的经营风险。同时,我国地区性中小商业银行普遍存在着片面追求规模“做大”的倾向,加上涉农贷款比重普遍偏高,从全国范围来看,农村商业银行不良贷款率普遍高于其他各类商业银行,其潜在风险较为严重。本文从分析我国地区性中小商业银行涉农企业贷款信贷风险的成因和类别入手,以中小商业银行涉农贷款角度为切入点,进行信贷风险的理论梳理和学理分析,提出了防控涉农贷款信贷风险的相关措施和对策,并从银行外部提出了优化中小商业银行信贷环境的政策建议。论文的研究可以为我国地区性中小商业银行在涉农贷款领域防范和控制信贷风险提供一定的参照和帮助,对我国地区性中小商业银行加强和深化信贷资产风险管理具有一定的现实意义。
[Abstract]:Credit risk management is the core of commercial bank risk management in various countries. How to accurately grasp and effectively prevent and control bank credit risks and ensure the security of bank credit funds is a long-term task and system engineering of commercial banks. In recent years, all kinds of commercial banks in our country have done a lot of theoretical research and practical exploration on credit risk management, prevention and solution of credit risk, and have made obvious achievements and rich practical experience, and the quality of bank credit assets has been obviously improved. Regional small and medium-sized commercial banks are one of the important achievements of China's economic system reform. Their establishment and development to a certain extent meet the needs of China's economic restructuring. And it effectively fills up the market gap caused by the compression of the business organization of the large state-owned commercial banks in the small and medium-sized cities of our country. The small and medium-sized commercial banks meet the financing needs of the "three rural" enterprises and the township enterprises in the small and medium-sized cities. However, because of the weak quality of agricultural industry and the particularity of agricultural enterprise, the credit risk of agricultural loan is generally higher than that of other industries, so the prevention and control of the risk has more exploration and research value. How to strengthen the prevention and control of the credit risk of agricultural loans has become the key to improve the competitiveness of regional small and medium-sized commercial banks in China. Small and medium-sized commercial banks are limited to capital strength and regional characteristics, the main service object is small and medium-sized enterprises, in these small and medium-sized enterprises, there are many agriculture-related enterprises. At present, most of the agriculture-related enterprises have high asset-liability ratio and poor management stability. The valid property which can be used as mortgage is less, the development stamina is insufficient and so on. In the face of poor stability of customers, rural commercial banks will objectively bear more operational risks. At the same time, regional small and medium-sized commercial banks in our country generally have the tendency of one-sided pursuit of "bigger scale", and the proportion of agriculture-related loans is generally on the high side. From a nationwide perspective, The non-performing loan rate of rural commercial banks is generally higher than that of other commercial banks, and its potential risks are more serious. This paper begins with the analysis of the causes and types of loan credit risk of small and medium-sized commercial banks in our country, taking the angle of small and medium-sized commercial banks' agricultural loans as the starting point, carries out theoretical and theoretical analysis of the credit risk. This paper puts forward the relevant measures and countermeasures for preventing and controlling the credit risk of agricultural loans, and puts forward some policy suggestions for optimizing the credit environment of small and medium-sized commercial banks from the outside of the banks. The research in this paper can provide some reference and help for the regional small and medium-sized commercial banks to prevent and control the credit risk in the field of agricultural loans. It is of practical significance to strengthen and deepen the risk management of credit assets for regional small and medium-sized commercial banks in China.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43

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