本文關(guān)鍵詞：江門融和農(nóng)商銀行貸后管理及對(duì)策研究　出處：《華中科技大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村商業(yè)銀行 信貸決策 信貸風(fēng)險(xiǎn) 貸后管理

【摘要】：農(nóng)村商業(yè)銀行是農(nóng)村金融基礎(chǔ)和我國(guó)金融體系不可或缺的重要組成部分。然而改制后的農(nóng)村商業(yè)銀行在各方面與現(xiàn)代商業(yè)銀行相比仍存在較大差距。目前農(nóng)村商業(yè)銀行面臨的主要風(fēng)險(xiǎn)是信貸風(fēng)險(xiǎn)，如何提高銀行風(fēng)險(xiǎn)管理水平已成為亟待解決的問題。貸后管理作為風(fēng)險(xiǎn)管理的重要環(huán)節(jié)，是銀行預(yù)防和化解信貸風(fēng)險(xiǎn)的重要措施，也是銀行安全收回信貸資產(chǎn)的根本保證。對(duì)貸后管理的研究有助于農(nóng)村商業(yè)銀行不斷提高自身的風(fēng)險(xiǎn)防范能力和經(jīng)營(yíng)管理水平，實(shí)現(xiàn)銀行可持續(xù)發(fā)展具有積極意義。 本文提出了貸后管理的研究意義和背景，并闡述了貸后管理對(duì)銀行生存和發(fā)展的重要性，通過(guò)對(duì)國(guó)內(nèi)外相關(guān)文獻(xiàn)資料的閱讀和分析，總結(jié)并歸納了當(dāng)今商業(yè)銀行有關(guān)信貸管理的理論發(fā)展和研究成果。然后介紹了江門融和農(nóng)商銀行的經(jīng)營(yíng)和管理現(xiàn)狀，，并對(duì)目前信貸開展情況進(jìn)行介紹和對(duì)貸后管理作深入分析，總結(jié)該行在貸后管理中所面臨的問題：包括存在重貸輕管的觀念、貸后管理制度不完善、貸后檢查流于形式、客戶經(jīng)理素質(zhì)不高、缺乏有效信息技術(shù)平臺(tái)和管理工具、貸后管理考核體系不完善和外部信息獲取渠道不暢和市場(chǎng)法制不健全。 對(duì)江門融和農(nóng)商銀行在貸后管理中存在問題提出應(yīng)對(duì)措施：包括轉(zhuǎn)變貸后管理觀念、實(shí)施差別化和規(guī)范化貸后管理、建立貸后管理團(tuán)隊(duì)、開發(fā)相應(yīng)的貸后管理預(yù)警與跟蹤系統(tǒng)、貸后管理激勵(lì)措施的創(chuàng)新以及加強(qiáng)信息共享和建立外部溝通機(jī)制等手段，以此促進(jìn)該行信貸風(fēng)險(xiǎn)管理得到良好發(fā)展。
[Abstract]:The rural commercial bank is an indispensable part of the rural financial foundation and the financial system of our country. However, there is still a big gap between the reformed rural commercial banks and the modern commercial banks. The main risk faced by industrial banks is credit risk. How to improve the level of bank risk management has become an urgent problem. As an important part of risk management, post-loan management is an important measure for banks to prevent and resolve credit risk. It is also the fundamental guarantee for banks to recover credit assets safely. The research on post-loan management helps rural commercial banks to improve their risk prevention ability and management level. It is of positive significance to realize the sustainable development of banks. This paper puts forward the significance and background of the research on post-loan management, and expounds the importance of post-loan management to the survival and development of banks, through the reading and analysis of the relevant literature at home and abroad. This paper summarizes and summarizes the theoretical development and research results of credit management in commercial banks, and then introduces the management and management status of Jiangmen Ronghe Agricultural and Commercial Bank. And the current situation of credit development and in-depth analysis of the post-loan management, summed up the bank in the post-loan management problems: including the existence of the concept of heavy credit light management, post-loan management system is not perfect. The quality of customer manager is not high, the effective information technology platform and management tools are lacking, the examination system of post-loan management is imperfect, the access to external information is not smooth and the market legal system is not perfect. This paper puts forward some countermeasures to solve the problems in the post-loan management of Jiangmen fusion agricultural and commercial bank, including changing the concept of post-loan management, implementing differential and standardized post-loan management, and establishing a post-loan management team. In order to promote the credit risk management of the bank, we should develop the corresponding early warning and tracking system of post-loan management, innovate the incentive measures of post-loan management, strengthen the information sharing and establish the external communication mechanism, so as to promote the good development of the bank's credit risk management.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35

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