本文關(guān)鍵詞： 農(nóng)村信用社合并組建 農(nóng)村商業(yè)銀行 風(fēng)險(xiǎn)管理　出處：《湘潭大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著經(jīng)濟(jì)的快速發(fā)展,銀行業(yè)改革的不斷加深,給我國(guó)農(nóng)村信用社的生存和發(fā)展帶來(lái)了嚴(yán)峻的挑戰(zhàn),大部分農(nóng)村信用社已經(jīng)資不抵債,到了破產(chǎn)邊緣。資金實(shí)力不足、服務(wù)水平有限以及不良資產(chǎn)過(guò)高等是農(nóng)村信用社面臨的主要問(wèn)題。在這種經(jīng)濟(jì)環(huán)境下,農(nóng)村信用社的經(jīng)濟(jì)實(shí)力很難在城市商業(yè)銀行中有立足之地,所以合并組建成為商業(yè)銀行是農(nóng)村信用合作社的主要出路。邵陽(yáng)市區(qū)存在的金融機(jī)構(gòu)以大型商業(yè)銀行為主,華融湘江銀行等中小銀行靠其獨(dú)特政策快速發(fā)展,在農(nóng)村市場(chǎng)領(lǐng)域中,農(nóng)村信用社也不再是一枝獨(dú)秀,越來(lái)越多的金融機(jī)構(gòu)選擇進(jìn)入農(nóng)村市場(chǎng),邵陽(yáng)市的農(nóng)村信用社處于嚴(yán)峻的市場(chǎng)競(jìng)爭(zhēng)環(huán)境之中。2012年1月,邵陽(yáng)市第一家合并組建的地方性商業(yè)銀行——寶慶農(nóng)村商業(yè)銀行股份有限公司(以下簡(jiǎn)稱寶慶農(nóng)商行)成立,但合并組建后的寶慶農(nóng)商行發(fā)展速度較為緩慢,決定再次與邵陽(yáng)市城郊農(nóng)村信用合作聯(lián)社(以下簡(jiǎn)稱城郊聯(lián)社)合并組建成為邵陽(yáng)農(nóng)村商業(yè)銀行。本文基于合并組建邵陽(yáng)農(nóng)村商業(yè)銀行的背景,在大量閱讀相關(guān)文獻(xiàn)的基礎(chǔ)上,首先闡述了邵陽(yáng)市兩家農(nóng)村信用合作社合并改制的可行性和必要性,然后結(jié)合現(xiàn)實(shí)數(shù)據(jù)從信用風(fēng)險(xiǎn)、市場(chǎng)風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、法律風(fēng)險(xiǎn)以及聲譽(yù)風(fēng)險(xiǎn)這五個(gè)角度重點(diǎn)剖析了邵陽(yáng)農(nóng)村商業(yè)銀行合并組建前存在的各類風(fēng)險(xiǎn)及其產(chǎn)生的具體原因,最后從加強(qiáng)外部監(jiān)管和完善內(nèi)部風(fēng)險(xiǎn)防范方兩個(gè)方面提出相應(yīng)的對(duì)策。農(nóng)村信用社必須加快轉(zhuǎn)型步伐,提升銀行硬實(shí)力,擴(kuò)寬發(fā)展空間,所以農(nóng)村信用社的合并組建是在新的經(jīng)濟(jì)環(huán)境下做出的正確抉擇。本文通過(guò)分析合并組建邵陽(yáng)農(nóng)村商業(yè)銀行面臨的各種風(fēng)險(xiǎn),提出解決對(duì)策,為全省農(nóng)村信用社的合并組建提供借鑒。
[Abstract]:With the rapid development of economy and the deepening of banking reform, the survival and development of rural credit cooperatives in our country have brought severe challenges. Most rural credit cooperatives have been insolvent and have reached the brink of bankruptcy. Limited service and high non-performing assets are the main problems facing rural credit cooperatives. In this economic environment, it is very difficult for rural credit cooperatives to have a foothold in urban commercial banks. Therefore, the merger and formation of commercial banks is the main way out for rural credit cooperatives. The financial institutions in Shaoyang are mainly large commercial banks, and small and medium-sized banks such as Huarong Xiangjiang Bank have developed rapidly by their unique policies. In the field of rural market, rural credit cooperatives are no longer alone, more and more financial institutions choose to enter the rural market, Shaoyang rural credit cooperatives are in a severe market competition environment. January 2012, Baoqing Rural Commercial Bank Co., Ltd. (Baoqing Rural Commercial Bank Co., Ltd.), the first local commercial bank in Shaoyang City, was formed, but the pace of development of Baoqing Agricultural Commercial Bank after the merger was relatively slow. It is decided that Shaoyang Rural Credit Cooperation Association (hereinafter referred to as the suburb Cooperative Society) will be merged into Shaoyang Rural Commercial Bank again. This paper, based on the background of the merger and formation of Shaoyang Rural Commercial Bank, and on the basis of reading a large number of relevant documents, Firstly, the feasibility and necessity of merging and reforming two rural credit cooperatives in Shaoyang City are expounded, and then the credit risk, market risk and operation risk are combined with the actual data. Legal risk and reputation risk are the five angles to analyze the various kinds of risks and their specific reasons before the merger of Shaoyang Rural Commercial Bank. Finally, the corresponding countermeasures are put forward from two aspects: strengthening external supervision and perfecting internal risk prevention. Rural credit cooperatives must quicken the pace of transformation, enhance the hard power of banks and broaden the development space. Therefore, the combination of rural credit cooperatives is the correct choice in the new economic environment. For the province's rural credit cooperatives to provide reference for the merger of the formation.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.35
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本文編號(hào)：1507552