本文選題：A縣農(nóng)村信用社 + 信貸風(fēng)險　； 參考：《河北大學(xué)》2017年碩士論文

【摘要】：農(nóng)村信用社作為我國金融系統(tǒng)的重要組成部分,在為農(nóng)村經(jīng)濟(jì)開展各項金融服務(wù)的同時還承擔(dān)著“服務(wù)三農(nóng)”的任務(wù)和使命。其健康發(fā)展對于穩(wěn)定農(nóng)村經(jīng)濟(jì),保證社會協(xié)調(diào)有序運(yùn)轉(zhuǎn)起著不可估量的作用。如今,農(nóng)村信用社正面臨著股份制改革,在改革過程中,其面臨的信貸風(fēng)險問題尤為突出。文章以A縣農(nóng)村信用社作為研究對象,以A縣農(nóng)村信用社信貸風(fēng)險作為研究主題,分析了A縣農(nóng)村信用社信貸風(fēng)險管理中存在的問題并提出了針對性的建議,以達(dá)到降低其信貸風(fēng)險的目標(biāo)。本文首先總結(jié)了國內(nèi)外關(guān)于信貸風(fēng)險的相關(guān)概念,通過這些理論研究為后續(xù)A縣農(nóng)村信用社的信貸風(fēng)險研究打下了基礎(chǔ);筆者通過對A縣農(nóng)村信用社的實地考察和調(diào)研,發(fā)現(xiàn)了目前A縣農(nóng)村信用社存在的問題主要有信貸資產(chǎn)質(zhì)量較差、信貸風(fēng)險管理制度不完善、信貸團(tuán)隊專業(yè)素質(zhì)較低以及信貸風(fēng)險預(yù)警系統(tǒng)的缺失;文章對目前信用社存在的問題進(jìn)行了外部原因和內(nèi)部原因分析,外部原因主要有社會信用的缺失、國家政策的影響、當(dāng)?shù)卣母深A(yù)、農(nóng)業(yè)發(fā)展的不確定性,內(nèi)部因素有借款人和信用社自身的原因,其中信用社的原因主要是管理工作不到位、分工不明確,管理權(quán)力集中、內(nèi)部監(jiān)督機(jī)制不完善,人力資源體系不健全,對于違約客戶的失信懲罰機(jī)制不完善等;為了有效的提高信用社的信貸風(fēng)險管理水平,根據(jù)目前信用社信貸風(fēng)險中存在的問題,文章提出了針對性的對策和建議,主要分為以下四個方面:完善信貸內(nèi)部控制業(yè)務(wù)流程、建立全面有效的信貸風(fēng)險管理制度、加強(qiáng)信貸人員的管理、完善信貸信息管理系統(tǒng)。
[Abstract]:As an important part of China's financial system, rural credit cooperatives undertake the task and mission of "serving agriculture, rural areas and farmers" while carrying out various financial services for rural economy. Its healthy development plays an inestimable role in stabilizing the rural economy and ensuring the harmonious and orderly operation of the society. At present, rural credit cooperatives are facing the reform of stock system, in the process of reform, its credit risk problem is particularly prominent. Taking the rural credit cooperative of A county as the research object and the credit risk of the rural credit cooperative in A county as the research theme, this paper analyzes the problems existing in the credit risk management of the rural credit cooperative in A county and puts forward some pertinent suggestions. To achieve the goal of reducing its credit risk. This paper first summarizes the related concepts of credit risk at home and abroad, through these theoretical studies to lay a foundation for the follow-up study of credit risk of rural credit cooperatives in County A, the author through the field investigation and investigation of rural credit cooperatives in County A, The main problems of rural credit cooperatives in County A are the poor quality of credit assets, the imperfect credit risk management system, the low professional quality of credit teams and the lack of credit risk warning system. This paper analyzes the external and internal causes of the problems existing in the credit cooperatives. The external reasons are mainly the lack of social credit, the influence of the national policy, the intervention of the local government, the uncertainty of the agricultural development. The internal factors include the borrower and the credit cooperatives themselves, among which the main reasons are that the management work is not in place, the division of labor is not clear, the management power is centralized, the internal supervision mechanism is not perfect, and the human resources system is not perfect. In order to effectively improve the credit risk management level of credit cooperatives, according to the existing problems in credit risk of credit cooperatives, the paper puts forward some countermeasures and suggestions. It is mainly divided into the following four aspects: perfecting the business process of credit internal control, establishing a comprehensive and effective credit risk management system, strengthening the management of credit personnel, and perfecting the credit information management system.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.35

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