本文選題：農(nóng)村合作金融企業(yè) + 信貸管理�。� 參考：《南昌大學(xué)》2012年碩士論文

【摘要】：中國銀監(jiān)會在深入調(diào)研和借鑒國際先進(jìn)經(jīng)驗的基礎(chǔ)上,結(jié)合中國經(jīng)濟(jì)金融發(fā)展實際,特別是銀行信貸經(jīng)營管理現(xiàn)狀,頒布實施了“三個辦法一個指引”(《固定資產(chǎn)貸款管理暫行辦法》、《流動資金貸款管理暫行辦法》、《個人貸款管理暫行辦法》和《項目融資業(yè)務(wù)指引》)�！百J款新規(guī)”頒布以來,其對于更好地落實國家宏觀經(jīng)濟(jì)政策,優(yōu)化社會信貸資源配置,提升銀行精細(xì)化管理水平,防范金融系統(tǒng)性風(fēng)險,逐漸發(fā)揮出積極作用。但受管理體制和經(jīng)營環(huán)境的制約,農(nóng)村合作金融機(jī)構(gòu)“貸款新規(guī)”推進(jìn)工作仍面臨較大困難,防范信用風(fēng)險及操作風(fēng)險的更高要求也亟待關(guān)注。要完全落實各項監(jiān)管要求,未來還需要在管理體制、風(fēng)控手段、系統(tǒng)建設(shè)和人員培訓(xùn)等多方面做出更多努力,新規(guī)執(zhí)行之路“任重道遠(yuǎn)”。因此,研究這一問題具有重要的理論價值和實踐意義 本文以江西農(nóng)村合作金融企業(yè)(包括農(nóng)村信用合作社、農(nóng)村合作銀行和農(nóng)村商業(yè)銀行)為例,正確認(rèn)識和深入剖析江西農(nóng)村合作金融企業(yè)在執(zhí)行“貸款新規(guī)”方面存在的問題及原因,借鑒國外金融企業(yè)貸款管理方面的先進(jìn)經(jīng)驗,提出有較強(qiáng)針對性的措施建議。本文在結(jié)構(gòu)上共分6章。其中：第一章為導(dǎo)論；第二章為金融企業(yè)信貸管理的相關(guān)理論概述；第三章為江西農(nóng)村合作金融企業(yè)執(zhí)行“貸款新規(guī)”的現(xiàn)狀分析；第四章為國內(nèi)外農(nóng)村合作金融企業(yè)信貸管理的經(jīng)驗與借鑒；第五章為完善江西農(nóng)村合作金融企業(yè)信貸管理的對策措施；第六章為結(jié)論與展望。 本文通過分析發(fā)現(xiàn)江西農(nóng)村合作金融企業(yè)執(zhí)行“貸款新規(guī)”存在受托支付比例較低、客戶配合程度差、執(zhí)行政策敷衍塞責(zé)、受托支付數(shù)據(jù)不真實等問題,針對以上問題,文章最后提出了完善法人治理結(jié)構(gòu)、健全信貸管理機(jī)制、優(yōu)化金融生態(tài)環(huán)境、加強(qiáng)與客戶溝通、完善信貸規(guī)模調(diào)控方式、堵塞合同漏洞等對策建議。這對于完善農(nóng)村合作金融企業(yè)改進(jìn)信貸管理模式,促進(jìn)其健康發(fā)展具有指導(dǎo)作用,也將對地方政府及有關(guān)職能部門完善相關(guān)制度、促進(jìn)金融信用環(huán)境建設(shè)起到?jīng)Q策參考作用。
[Abstract]:The China Banking Regulatory Commission (CBRC), on the basis of in-depth investigation and reference of advanced international experience, combined with the actual situation of China's economic and financial development, especially the current situation of bank credit management, has promulgated and implemented "three methods and one guide" ("temporary measures for the management of fixed assets loans," Interim Measures for the management of liquidity loans, < temporary administration of personal loan management. Since the promulgation of the new loan regulations, the "new loan regulations" has been playing an active role in better implementing the national macroeconomic policies, optimizing the allocation of social credit resources, improving the fine management level of the banks and preventing the financial systemic risk. But the rural cooperative finance is restricted by the management system and the operating environment. The promotion of the new lending regulations of the institutions still faces great difficulties. The higher requirements for preventing credit risks and operational risks are also urgent. In order to fully implement the regulatory requirements, more efforts should be made in the future, such as management system, wind control means, system construction and personnel training, and the road of new regulations is "a long way to go". Therefore, it is of great theoretical and practical significance to study this issue.
This paper, taking Jiangxi rural cooperative financial enterprises (including rural credit cooperatives, rural cooperative banks and rural commercial banks) as an example, correctly understands and deeply analyzes the problems and causes of the rural cooperative financial enterprises in the implementation of the "new loan regulations", and draws on the advanced experience of foreign financial enterprises' loan management. There are 6 chapters in this paper. The first chapter is introduction; the first chapter is introduction; the second chapter is an overview of the related theories of financial enterprise credit management; the third chapter is the analysis of the current situation of the implementation of "new regulation of loan" in the rural cooperative financial enterprises in Jiangxi, and the fourth chapter is the credit management of rural cooperative financial enterprises at home and abroad. The fifth chapter is the countermeasures to improve the credit management of rural cooperative financial enterprises in Jiangxi. The sixth chapter is the conclusion and prospect.
Through the analysis, this paper finds that the Jiangxi rural cooperative financial enterprises have a low proportion of the entrusted payment of the "new loan regulations", the poor coordination degree of the customers, the enforcement of the policy and the untruthfulness of the entrusted payment of the data. In the end, the article finally proposes to improve the corporate governance structure, improve the credit management mechanism and optimize the financial students. State environment, strengthen communication with customers, improve the control mode of credit scale, block contract loopholes and other countermeasures and suggestions, which will guide the improvement of the mode of credit management and promote the healthy development of rural cooperative financial enterprises. It will also improve the relevant systems of local government and relevant functional departments and promote the construction of financial credit environment. The role of decision reference.
【學(xué)位授予單位】：南昌大學(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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