本文關(guān)鍵詞： 村鎮(zhèn)銀行 信貸業(yè)務(wù) 風(fēng)險(xiǎn)管理　出處：《遼寧大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：近幾年來,為扶持農(nóng)村金融機(jī)構(gòu)快速發(fā)展,支持新農(nóng)村建設(shè),我國銀監(jiān)會(huì)出臺(tái)了一系列促進(jìn)村鎮(zhèn)銀行發(fā)展的政策。村鎮(zhèn)銀行應(yīng)運(yùn)而生并迅速發(fā)展。村鎮(zhèn)銀行是農(nóng)村金融改革的新生事物,是彌補(bǔ)農(nóng)村金融中介不足、促進(jìn)民間金融合法化的新嘗試。 村鎮(zhèn)銀行的設(shè)立正遇上我國建設(shè)社會(huì)主義新農(nóng)村的關(guān)鍵時(shí)期,以往依靠農(nóng)村信用合作社來解決融資題目,但審批時(shí)間長,輕易使農(nóng)民錯(cuò)過最佳發(fā)展時(shí)機(jī),使很多農(nóng)民無法實(shí)現(xiàn)投資需求。村鎮(zhèn)銀行向農(nóng)民提供一定的無需擔(dān)保的小額貸款,為新農(nóng)村建設(shè)提供了資金保證。村鎮(zhèn)銀行的設(shè)立有利于促進(jìn)農(nóng)村新金融競爭格式的形成,由此形成村鎮(zhèn)銀行與農(nóng)業(yè)發(fā)展銀行、農(nóng)業(yè)銀行、郵政儲(chǔ)蓄銀行、農(nóng)村信用社及各種非正規(guī)金融機(jī)構(gòu)同時(shí)并存的局面,彌補(bǔ)了農(nóng)村地區(qū)所形成的空缺,有利于“三農(nóng)”和地方經(jīng)濟(jì)的更好發(fā)展。村鎮(zhèn)銀行的成立進(jìn)一步完善了我國金融體系結(jié)構(gòu)。它是我國金融體制上的一種探索和創(chuàng)新,豐富了銀行監(jiān)管理念和手段。 村鎮(zhèn)銀行開始作為一個(gè)試點(diǎn),它是由點(diǎn)到面,由小及大,它的可行性、現(xiàn)實(shí)性以及面臨的問題在實(shí)踐中可能會(huì)得到全面地檢驗(yàn),對金融監(jiān)管機(jī)構(gòu)也是一個(gè)新的挑戰(zhàn)。村鎮(zhèn)銀行使以前的民間小額信貸組織變成一個(gè)金融機(jī)構(gòu),完全納入了銀監(jiān)會(huì)監(jiān)管的范疇。信貸業(yè)務(wù)風(fēng)險(xiǎn)是銀行風(fēng)險(xiǎn)管理的重點(diǎn),自2007年3月1日我國第一家村鎮(zhèn)銀行成立到如今,發(fā)展歷史剛滿5年時(shí)間,村鎮(zhèn)銀行信貸業(yè)務(wù)風(fēng)險(xiǎn)管理尚處在起步探索階段。信貸業(yè)務(wù)風(fēng)險(xiǎn)管理水平低、信貸資產(chǎn)質(zhì)量差是制約村鎮(zhèn)銀行發(fā)展的重要因素。 本論文以某縣JA村鎮(zhèn)銀行為例,以該銀行信貸業(yè)務(wù)風(fēng)險(xiǎn)管理問題為研究對象,論文分四部分進(jìn)行寫作：第一部分為緒論,分為研究背景及意義、研究方法及基本框架；第二部分為案例描述,分為JA村鎮(zhèn)銀行簡介、信貸業(yè)務(wù)及風(fēng)險(xiǎn)概況及信貸業(yè)務(wù)風(fēng)險(xiǎn)管理現(xiàn)狀描述；第三部分為案例分析,運(yùn)用村鎮(zhèn)銀行信貸業(yè)務(wù)風(fēng)險(xiǎn)管理相關(guān)理論,分析了JA村鎮(zhèn)銀行信貸業(yè)務(wù)風(fēng)險(xiǎn)管理存在的問題及成因；第四部分為對策及啟示,提出了加強(qiáng)村鎮(zhèn)銀行信貸業(yè)務(wù)風(fēng)險(xiǎn)管理的對策及啟示。
[Abstract]:In recent years, in order to support the rapid development of rural financial institutions, support the construction of new rural areas. China Banking Regulatory Commission has issued a series of policies to promote the development of village banks. Village banks came into being and developed rapidly. Village banks are new things in rural financial reform and make up for the shortage of rural financial intermediary. A new attempt to promote the legalization of private finance. The establishment of village banks is in the crucial period of building a new socialist countryside in our country. In the past, rural credit cooperatives were relied on to solve the financing problem, but the examination and approval time was long, which easily made farmers miss the best development opportunity. Many farmers are unable to meet their investment needs. Village banks provide small loans to farmers without guarantee. The establishment of village bank is conducive to promoting the formation of a new rural financial competition format, thus forming the village bank and agricultural development bank, agricultural bank, postal savings bank. Rural credit cooperatives and various informal financial institutions coexist at the same time to make up for the gap in rural areas. The establishment of village banks has further improved the financial system structure of our country. It is a kind of exploration and innovation in the financial system of our country. Enriched the concept and means of bank supervision. Village bank began as a pilot, it is from point to face, by small and large, its feasibility, reality and problems may be comprehensively tested in practice. It is also a new challenge for financial regulators. Village banks have transformed the former private microfinance organization into a financial institution. Credit risk is the key point of bank risk management. Since March 1st 2007, the first village bank in China has been established, the development history has just completed five years. The credit risk management of village banks is still in the initial stage of exploration. The low level of credit risk management and the poor quality of credit assets are the important factors restricting the development of village and town banks. This paper takes a county JA village bank as an example, taking the bank's credit risk management as the research object. The thesis is divided into four parts: the first part is the introduction, divided into the research background and significance. Research methodology and basic framework; The second part is case description, including JA village bank profile, credit business and risk profile and credit business risk management status description; The third part is case analysis, using the risk management theory of village bank credit business, analyzes the problems and causes of JA village bank credit business risk management; In the 4th part, the author puts forward the countermeasures and revelations to strengthen the risk management of the credit business of the village and town banks.
【學(xué)位授予單位】：遼寧大學(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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