中国农业发展银行Y行信贷业务风险管理优化研究

发布时间：2018-07-24 20:54

【摘要】：近年来,随着“三农”问题在我国社会经济发展过程中地位的提升,党中央和国务院对农业经济的发展愈发重视,粮食安全更是提升到了国家战略的高度。农业发展银行在推动农业经济发展、增加农业资金投入、促进新农村建设方面的重要性凸显。虽然农发行以国家信用为基础,通过筹集公共资金的方式为农业发展提供政策性金融服务,但在其经营管理过程中仍然需要遵循商业银行运营的基本规律。特别是在开展商业信贷领域,由于贷款对象、贷款资金额、贷款周期的特殊性,其风险程度明显要高于商业银行,信贷业务风险管控的重要性不断提升。文章以农业发展银行Y行为研究对象,通过对该行信贷业务风险管理现状的分析,指出该行在信贷风险管理方面存在着信贷风险管理理念滞后、信贷风险管控体系以及管控流程不完善、贷款质量有待提升等问题,对问题产生原因进行分析;在明确优化目标与原则的基础上,从信贷风险管理理念、组织结构、管理流程以及管理方法四个角度制定优化方案,具体包括培育先进的信贷风险管理文化、稳步推进组织结构改革、不断完善信贷业务关键流程以及改进信贷风险管理方法。文章最后对优化方案实施的保障措施进行了探讨,具体包括加强信贷客户经理队伍建设、健全风险管理信息系统、信贷内部控制执行力建设以及建立信贷风险预警与补偿机制。作者希望本文的研究能够引起Y行管理者对信贷风险的重视,提高该行信贷业务风险管控水平,推进农发行转型升级战略目标的实现,同时为农业发展银行其他分行信贷业务风险管控工作提供理论参考。
[Abstract]:In recent years, with the promotion of the status of the "three rural issues" in the process of social and economic development, the CPC Central Committee and the State Council have paid more attention to the development of agricultural economy, and the food security has been raised to the height of national strategy. The Agricultural Development Bank plays an important role in promoting the development of agricultural economy, increasing the investment of agricultural funds and promoting the construction of new countryside. Although Agricultural Development Bank provides policy-oriented financial services for agricultural development through raising public funds on the basis of state credit, it still needs to follow the basic rules of commercial bank operation in the course of its operation and management. Especially in the field of commercial credit, because of the particularity of loan object, loan amount, loan cycle, its risk degree is obviously higher than that of commercial bank. Based on the analysis of the current situation of credit risk management in Agricultural Development Bank, this paper points out that the credit risk management concept lags behind in the credit risk management of Agricultural Development Bank. The credit risk control system and the management process are not perfect, the loan quality needs to be improved, the causes of the problem are analyzed; on the basis of clear optimization objectives and principles, from the credit risk management concept, organizational structure, Four aspects of management process and management methods to formulate the optimization plan, including the cultivation of advanced credit risk management culture, steadily promote the organizational structure reform, constantly improve the key processes of credit business and improve the credit risk management methods. In the end, the paper discusses the guarantee measures for the implementation of the optimized scheme, including strengthening the construction of the credit client manager team, perfecting the risk management information system, building the executive power of the credit internal control, and establishing the credit risk warning and compensation mechanism. The author hopes that the research in this paper can arouse the attention of the managers of Bank Y to the credit risk, improve the risk control level of the bank's credit business, and promote the realization of the strategic goal of the transformation and upgrading of the Agricultural Development Bank. At the same time for other branches of the Agricultural Development Bank credit risk control work to provide a theoretical reference.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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