本文關(guān)鍵詞：寬甸縣農(nóng)村信用社不良貸款問題研究　出處：《遼寧大學(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)村信用合作社 清收策略 貸款 防范措施

【摘要】：農(nóng)村信用社是農(nóng)村根據(jù)自愿原則組織起來的集體合作金融機(jī)構(gòu),其宗旨是為農(nóng)民、社員提供金融服務(wù)。是由農(nóng)民投資入股,資金優(yōu)先服務(wù)于入股社員的貸款需求,實(shí)行民主管理,為農(nóng)業(yè)、農(nóng)民和農(nóng)村經(jīng)濟(jì)發(fā)展提供支持的金融機(jī)構(gòu),是我國金融體系的重要組成部分。由于其所處的特殊環(huán)境、面對的特定服務(wù)對象,必然會形成大量的不良貸款。不良貸款使農(nóng)村信用社的資產(chǎn)質(zhì)量低下,盈利能力減弱,歷年虧損掛賬逐年增加,已經(jīng)嚴(yán)重威脅到農(nóng)村信用社的生存和發(fā)展,也關(guān)系到農(nóng)村的穩(wěn)定、農(nóng)業(yè)的發(fā)展和農(nóng)民的增收。 本文依據(jù)經(jīng)濟(jì)學(xué)、金融學(xué)相關(guān)理論,分析了寬甸縣農(nóng)村信用社不良貸款的現(xiàn)狀及形成原因,并對寬甸縣農(nóng)村信用社不良貸款的管理作了深入的研究。文章引用了寬甸縣農(nóng)村信用聯(lián)社的一些經(jīng)營數(shù)據(jù),使分析具有一定的客觀性,希望能對寬甸縣農(nóng)村信用社的不良貸款管理具有一定的借鑒意義。 首先,在第一章介紹了不良貸款的相關(guān)理論；第二章介紹了寬甸縣農(nóng)村信用社信貸資產(chǎn)情況,論述了介紹不良貸款的特征及負(fù)面影響；第三章以寬甸縣農(nóng)村信用聯(lián)社的數(shù)據(jù)為例,系統(tǒng)的說明了寬甸縣農(nóng)村信用社不良貸款的形成原因。包括外部原因到自身因素,并為最終防范不良貸款的發(fā)生提供了依據(jù)。 其次,在第四章提出了寬甸縣農(nóng)村信用社化解不良貸款的清收對策。通過對國內(nèi)專業(yè)銀行及其他農(nóng)村信用社不良貸款的清收經(jīng)驗(yàn)總結(jié),提出了解決寬甸縣農(nóng)村信用社不良貸款的具體措施。第五章具體提出了寬甸縣農(nóng)村信用社不良貸款的防范措施。從外部環(huán)境到內(nèi)部因素都做了詳細(xì)的闡述。這些觀點(diǎn)對寬甸縣農(nóng)村信用社的不良貸款管理具有一定的指導(dǎo)意義。 最后,通過對寬甸縣農(nóng)村信用社不良貸款的分析得出本文結(jié)論。寬甸縣農(nóng)村信用社不良貸款的清收應(yīng)采取組建專業(yè)清收隊(duì)伍、法律途徑、債務(wù)重組、政府協(xié)調(diào)等多種方式清收；不良貸款的防范應(yīng)采取改善外部環(huán)境及加強(qiáng)內(nèi)部控制制度、法人治理結(jié)構(gòu)、人力資源建設(shè)和科技創(chuàng)新等措施進(jìn)行防控。
[Abstract]:Rural credit cooperatives are the collective cooperative financial institutions organized by the rural areas according to the voluntary principles . The aim is to provide financial services for farmers and social workers . It is an important part of our financial system . Because of the special circumstances , the financial institutions that provide support for agriculture , farmers and rural economic development are important components of our financial system . Based on the theory of economics and finance , this paper analyzes the status quo and causes of the non - performing loans of rural credit cooperatives in the country , and makes an in - depth study on the management of the non - performing loans of rural credit cooperatives in the country . Firstly , the paper introduces the relevant theories of non - performing loans in Chapter 1 . The second chapter introduces the credit assets of rural credit cooperatives in the country , discusses the characteristics and negative impacts of non - performing loans . Chapter three shows the reasons for the formation of non - performing loans in the rural credit cooperatives in the country of the country , including the external causes and their own factors , and provides the basis for the ultimate prevention of non - performing loans . Secondly , in the fourth chapter , the countermeasures for the settlement of non - performing loans by rural credit cooperatives in the country are put forward . Specific measures are put forward to solve the non - performing loans of the rural credit cooperatives in the country . In the fifth chapter , the preventive measures are put forward to solve the non - performing loans of the rural credit cooperatives in the country . Finally , through the analysis of the non - performing loans of the rural credit cooperatives in the country , this paper concludes that the settlement of the non - performing loans of the rural credit cooperatives in the country should be settled in a variety of ways , such as the formation of specialized collection teams , legal approaches , debt restructuring and government coordination ; and the prevention of non - performing loans should take measures to improve the external environment and strengthen the internal control system , corporate governance structure , human resources construction and technological innovation .

【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35

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本文編號：1396882