【摘要】：近年來,我國農(nóng)村中小金融機構(gòu)發(fā)展迅速,已經(jīng)達到了一個新的階段。伴隨其發(fā)展,信貸規(guī)模也加速擴張。這種擴張不僅為農(nóng)村中小金融機構(gòu)帶來了較好的收益,也暴露出了信貸過程中存在的各種風(fēng)險。由于農(nóng)村中小金融機構(gòu)與農(nóng)村經(jīng)濟之間存在著共生關(guān)系,其發(fā)展對于農(nóng)村經(jīng)濟的發(fā)展有著巨大的促進作用,而信貸風(fēng)險對于農(nóng)村中小金融機構(gòu)的發(fā)展構(gòu)成了最大最直接的威脅。因此如何在新的歷史時期加強對農(nóng)村中小金融機構(gòu)信貸風(fēng)險的防控,更好的發(fā)揮農(nóng)村中小金融機構(gòu)對于農(nóng)村經(jīng)濟的促進作用將成為發(fā)展農(nóng)村經(jīng)濟的關(guān)鍵所在。 農(nóng)村中小金融機構(gòu)的產(chǎn)生和不斷完善,豐富了我國企業(yè)的融資渠道,對促進和推動經(jīng)濟社會發(fā)展具有重要意義。作為農(nóng)村中小金融主力軍的信用社,面臨著各種挑戰(zhàn)和不可測因素,也面臨難得的發(fā)展機遇和有利條件。對于防控信貸風(fēng)險的防范要從加強信貸管理工作入手,多措并舉,努力提高信貸資產(chǎn)質(zhì)量,才能確保信貸資金的安全性、流動性和效益性。但其在發(fā)展過程中也遇到一些障礙,農(nóng)村中小金融機構(gòu)規(guī)模普遍較小,信譽度較低,抵抗風(fēng)險能力較弱,極易因濫用職權(quán)或不當(dāng)操作等而產(chǎn)生風(fēng)險,且風(fēng)險比商業(yè)銀行更高。本文試圖通過分析信貸風(fēng)險產(chǎn)生的原因,針對當(dāng)前農(nóng)村中小金融機構(gòu)發(fā)展現(xiàn)狀,研究分析風(fēng)險防范舉措,以助推農(nóng)村中小金融機構(gòu)提高風(fēng)險防控能力,促進其在整個國民經(jīng)濟發(fā)展中發(fā)揮更加正向、積極的作用。 本文首先對農(nóng)村中小金融機構(gòu)信貸風(fēng)險管理進行了概述,說明了信貸活動在籌集與運用資金、調(diào)節(jié)經(jīng)濟與積累資金、反映與監(jiān)管經(jīng)濟活動三個方面的作用,其次從幾個方面闡述了農(nóng)村中小金融機構(gòu)的信貸活動風(fēng)險成因及風(fēng)險特點,并逐一展開,進行深入分析,在此基礎(chǔ)上,結(jié)合萊陽農(nóng)信社信貸風(fēng)險管理的實際狀況,分別從信貸業(yè)務(wù)管理流程、信貸業(yè)務(wù)風(fēng)險識別、信貸業(yè)務(wù)風(fēng)險預(yù)警、信貸業(yè)務(wù)風(fēng)險防范對策四個方面有針對性地制定了相應(yīng)的信貸業(yè)務(wù)風(fēng)險防范對策與措施。 本文改變了以往國內(nèi)外的學(xué)者針對于信貸風(fēng)險的度量進行研究和分析的角度,試圖通過對農(nóng)村中小金融機構(gòu)信貸活動風(fēng)險成因進行深入的分析,在比較傳統(tǒng)商業(yè)銀行信貸業(yè)務(wù)風(fēng)險管理理論的基礎(chǔ)上,探討和研究符合我國農(nóng)村中小金融機構(gòu)關(guān)于信貸風(fēng)險管理的有效制度和管理方法,結(jié)合萊陽農(nóng)信社信貸風(fēng)險管理的實際狀況,有針對性地提出了萊陽農(nóng)信社的信貸業(yè)務(wù)風(fēng)險管理方法,構(gòu)建了以信貸風(fēng)險識別、計量、預(yù)警、控制以及管理評估相關(guān)的整體信貸風(fēng)險管理系統(tǒng)。希望可以對農(nóng)村中小金融機構(gòu)在完善信貸風(fēng)險管理和提高市場競爭能力中有所幫助,促進農(nóng)村經(jīng)濟體制的改革,為農(nóng)村經(jīng)濟發(fā)展提供一點借鑒。
[Abstract]:In recent years, small and medium-sized financial institutions in rural areas have developed rapidly and have reached a new stage. Along with its development, credit scale also accelerates the expansion. This kind of expansion not only brings good income to rural small and medium-sized financial institutions, but also exposes various risks in the process of credit. Because of the symbiotic relationship between the rural small and medium-sized financial institutions and the rural economy, its development plays a great role in promoting the development of the rural economy, while the credit risk poses the biggest and most direct threat to the development of the rural small and medium-sized financial institutions. Therefore, how to strengthen the prevention and control of the credit risk of rural small and medium-sized financial institutions in the new historical period, and better play the role of rural small and medium-sized financial institutions in promoting rural economy will become the key to the development of rural economy. The emergence and continuous improvement of rural small and medium-sized financial institutions enriches the financing channels of Chinese enterprises and plays an important role in promoting and promoting economic and social development. As the main force of small and medium-sized rural finance, credit cooperatives are faced with various challenges and unpredictable factors, as well as rare development opportunities and favorable conditions. To prevent and control the credit risk, we should start with strengthening the credit management and try to improve the quality of credit assets so as to ensure the security, liquidity and efficiency of credit funds. But it also meets some obstacles in the process of development, rural small and medium-sized financial institutions are generally small, low reputation, weak ability to resist risks, easily because of abuse of power or improper operation and so on, and the risk is higher than commercial banks. This paper attempts to analyze the causes of credit risk, and to analyze the risk prevention measures in view of the current development situation of rural small and medium-sized financial institutions, in order to help rural small and medium-sized financial institutions to improve the ability of risk prevention and control. To promote its economic development as a whole to play a more positive, positive role. This paper first summarizes the credit risk management of small and medium-sized financial institutions in rural areas, and explains the role of credit activities in raising and using funds, regulating economy and accumulating funds, reflecting and supervising economic activities. Secondly, this paper expounds the causes and characteristics of the credit risk of rural small and medium-sized financial institutions from several aspects, and carries out a thorough analysis one by one. On this basis, combined with the actual situation of credit risk management in Laiyang Rural Credit Cooperative, The corresponding countermeasures and measures are made from four aspects: credit business management process, credit business risk identification, credit business risk warning, credit business risk prevention countermeasures. This paper changes the previous domestic and foreign scholars' research and analysis on the measurement of credit risk, and attempts to analyze the causes of credit activity risk of small and medium-sized financial institutions in rural areas. On the basis of comparing the traditional theory of credit risk management of commercial banks, this paper probes into and studies the effective system and management methods of credit risk management for small and medium-sized financial institutions in rural areas. Combined with the actual situation of credit risk management in Laiyang Rural Credit Cooperative, this paper puts forward the credit business risk management method of Laiyang Rural Credit Cooperative, and constructs the identification, measurement and early warning of credit risk. Control and manage the overall credit risk management system associated with evaluation. It is hoped that it will be helpful to rural small and medium-sized financial institutions in improving credit risk management and market competitiveness, promoting the reform of rural economic system, and providing some reference for the development of rural economy.
【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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