本文關(guān)鍵詞： 農(nóng)村合作金融機構(gòu) 信貸風(fēng)險 風(fēng)險控制　出處：《南京農(nóng)業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：作為農(nóng)村地區(qū)主要的銀行類金融機構(gòu),農(nóng)村合作金融機構(gòu)(包括農(nóng)村商業(yè)銀行、農(nóng)村合作銀行、農(nóng)村信用社)在農(nóng)業(yè)經(jīng)濟發(fā)展中的地位和作用越來越突出。我國農(nóng)村金融市場尚處于不發(fā)達階段,信貸業(yè)務(wù)仍是其最主要的業(yè)務(wù),信貸風(fēng)險也是農(nóng)村合作金融機構(gòu)面臨的最突出最主要的風(fēng)險。由于歷史條件限制和自身因素影響,農(nóng)村合作金融機構(gòu)信貸風(fēng)險控制水平一直不高,信貸風(fēng)險不斷加大。隨著金融市場競爭的日益加劇,農(nóng)村合作金融機構(gòu)暴露出的信貸風(fēng)險問題也越來越多,嚴重影響了自身的資金安全和經(jīng)營效益。因此提高農(nóng)村合作金融機構(gòu)信貸資產(chǎn)質(zhì)量迫在眉睫。 論文基于江蘇省縣域農(nóng)村合作金融機構(gòu)經(jīng)營情況的數(shù)據(jù),采用不同區(qū)域比較分析的方法從信貸資產(chǎn)質(zhì)量、不良貸款內(nèi)部結(jié)構(gòu)、不良貸款率、存貸比等具體指標,詳細介紹了農(nóng)合金融機構(gòu)信貸風(fēng)險狀況并歸納總結(jié)出信貸風(fēng)險存在的問題,然后進一步從內(nèi)因和外因兩方面挖掘信貸風(fēng)險產(chǎn)生的根源和可能存在的導(dǎo)致信貸風(fēng)險的因素,最后提出解決信貸風(fēng)險的建議和措施,以期為降低江蘇省農(nóng)村合作金融機構(gòu)信貸風(fēng)險發(fā)生的概率提供參考和借鑒,推動農(nóng)合金融機構(gòu)現(xiàn)代化信貸風(fēng)險控制體系建設(shè),進一步提高自身競爭力和抗風(fēng)險能力。 論文共分為五部分：第一部分為導(dǎo)論,簡要介紹論文的研究背景及意義,并對研究目標、內(nèi)容和研究方法及創(chuàng)新與不足之處進行說明；第二部分為文獻綜述,系統(tǒng)地闡述國內(nèi)外信貸風(fēng)險管理的研究成果；第三部分為現(xiàn)狀分析,通過分析各縣域具體的經(jīng)營數(shù)據(jù)橫向比較江蘇省不同區(qū)域農(nóng)村合作金融機構(gòu)的信貸風(fēng)險狀況；第四部分為原因分析,根據(jù)現(xiàn)狀結(jié)合實際深入分析信貸風(fēng)險形成的原因和可能引發(fā)風(fēng)險的因素;第五部分為結(jié)論及政策建議,提出了改善農(nóng)村合作金融機構(gòu)信貸風(fēng)險狀況的措施和方案。
[Abstract]:As the main banking financial institutions in rural areas, rural cooperative financial institutions (including rural commercial banks, rural cooperative banks, rural cooperative banks), Rural credit cooperatives (RCCs) play a more and more important role in the development of agricultural economy. China's rural financial market is still in an underdeveloped stage, and credit is still its most important business. Credit risk is also the most prominent and main risk faced by rural cooperative financial institutions. Due to historical constraints and the influence of their own factors, the level of credit risk control of rural cooperative financial institutions has not been high. With the increasing competition in the financial market, the problems of credit risk exposed by rural cooperative financial institutions are also increasing. Therefore, it is urgent to improve the quality of credit assets of rural cooperative financial institutions. Based on the data of county rural cooperative financial institutions in Jiangsu Province, the paper uses different regional comparative analysis methods to analyze the specific indicators such as credit asset quality, internal structure of non-performing loans, non-performing loan ratio, deposit-loan ratio, and so on. This paper introduces the credit risk situation of agricultural cooperative financial institutions in detail and sums up the existing problems of credit risk, and then further excavates the root causes of credit risk and the possible factors leading to credit risk from both internal and external causes. Finally, it puts forward some suggestions and measures to solve the credit risk, in order to provide reference and reference for reducing the probability of credit risk of rural cooperative financial institutions in Jiangsu Province, and to promote the construction of modern credit risk control system of agricultural cooperative financial institutions. Further improve their competitiveness and the ability to resist risks. The thesis is divided into five parts: the first part is the introduction, briefly introduces the research background and significance of the paper, and explains the research objectives, contents, research methods, innovations and deficiencies; the second part is the literature review. The third part is the analysis of the current situation, through the analysis of the specific management data of different counties to compare the credit risk status of different regional rural cooperative financial institutions in Jiangsu Province. Part 4th is the cause analysis, according to the current situation combined with the actual in-depth analysis of the formation of credit risk and possible risk factors; 5th part for the conclusions and policy recommendations, The measures and schemes to improve the credit risk of rural cooperative financial institutions are put forward.
【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

【引證文獻】

相關(guān)期刊論文 前1條

1 劉科;;鄂爾多斯地區(qū)農(nóng)村合作金融機構(gòu)風(fēng)險控制研究[J];北方金融;2015年06期

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本文編號：1506062