發(fā)布時間：2018-01-10 08:19

  本文關(guān)鍵詞：大慶市農(nóng)村信用社貸款信用風(fēng)險策略研究　出處：《黑龍江八一農(nóng)墾大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村信用社 貸款 信用風(fēng)險

【摘要】：現(xiàn)階段，農(nóng)村信用社是我國金融行業(yè)的生力軍之一。在長期發(fā)展的過程中，農(nóng)村信用社為農(nóng)村經(jīng)濟(jì)的發(fā)展提供了巨大的動力，但是由于歷史原因，農(nóng)村信用社在管理方面存在諸多問題，導(dǎo)致不良資產(chǎn)率要比其他國有商業(yè)銀行高出很多。本文在研究的過程中，選擇了大慶市農(nóng)村信用社作為研究對象。另外，為了使得研究結(jié)果更加準(zhǔn)確，本文還充分依據(jù)了商業(yè)銀行信貸管理理論、信用風(fēng)險防范與化解理論，通過應(yīng)用文獻(xiàn)研究、實地調(diào)研等方法，對所選對象貸款信用風(fēng)險的影響要素進(jìn)行分析。在具體分析過程中，從主體、對象以及環(huán)境等角度來進(jìn)行探討。在貸款主體方面主要包括大慶農(nóng)村信用社體制及技術(shù)層面的分析，在貸款對象方面主要從大慶農(nóng)業(yè)是風(fēng)險大的弱質(zhì)性產(chǎn)業(yè)及農(nóng)民生產(chǎn)經(jīng)營活動不規(guī)范的角度進(jìn)行分析，在貸款對象方面主要從委托代理關(guān)系，社會信用體系不健全，社會保障體系不健全，政府補(bǔ)貼力度偏小，擔(dān)保機(jī)制缺失以及市場化經(jīng)營主體承擔(dān)政策性任務(wù)必然要產(chǎn)生信用風(fēng)險等方面進(jìn)行深入分析研究。 在分析我國農(nóng)村信用社信貸風(fēng)險管理存在問題的基礎(chǔ)上，筆者根據(jù)大慶市農(nóng)村信用社的基本情況，提出了完善信用管理風(fēng)險的思路和措施。在提高貸款主體方面主要是從深化農(nóng)村信用社產(chǎn)權(quán)及治理結(jié)構(gòu)改革，建立健全貸款風(fēng)險管理的內(nèi)控制度，科學(xué)管理貸款，強(qiáng)化操作流程管理以及建立風(fēng)險補(bǔ)償機(jī)制五方面進(jìn)行農(nóng)信社管理風(fēng)險的完善。在加大對貸款對象的扶持力度方面主要是從提高農(nóng)民生產(chǎn)經(jīng)營組織化程度，加大對“三農(nóng)”補(bǔ)貼力度以及完善農(nóng)村社會保障體系三方面提出相關(guān)對策建議。在創(chuàng)建良好的貸款環(huán)境方面主要是從建立良好的貸款信用環(huán)境，減少地方政府行政干預(yù)，，創(chuàng)新貸款擔(dān)保制度以及為化解“包袱”提供必要的政策支持等四方面提出相關(guān)建議。 通過對貸款信用風(fēng)險的現(xiàn)狀及其影響要素的研究可以使我們更加了解大慶農(nóng)村信用社信用風(fēng)險，從而為大慶農(nóng)村信用社防范信貸風(fēng)險的產(chǎn)生提供依據(jù)，最大程度上減少不良資產(chǎn)的產(chǎn)生，為大慶新農(nóng)村建設(shè)提供有效信貸資金支持。
[Abstract]:At present, the rural credit cooperatives is one of the main force of China's financial industry. In the process of long-term development, the rural credit cooperatives provides a great impetus for the development of the rural economy, but due to historical reasons, rural credit cooperatives, there are many problems in the management, lead than other state-owned commercial banks at a much higher rate of non-performing assets. During this research, the rural credit cooperatives of Daqing city as the research object. In addition, in order to make more accurate research results, this paper also fully on the basis of the theory of commercial bank credit management, credit risk prevention and resolve theory, through the application of literature research, field investigation method, analyze the influence factors of the selected credit risk loans. In the analysis process, from the subject, object and environment perspective. The main aspects include loans in rural credit cooperatives in Daqing The analysis of system and technical level, in the loan object mainly from the aspect of Daqing agriculture is analyzed the weakness of high risk industry and farming production does not regulate the angle in the loan object mainly from the principal-agent relationship, the social credit system is not perfect, the social security system is not perfect, the government subsidies for small, hand lack of security mechanisms and market management subject policy task is bound to have a credit risk to make further analysis and research.
In the analysis of the existing risk management of rural credit cooperative in China based on the problems, according to the basic situation of the rural credit cooperatives of Daqing City, puts forward some ideas and measures to improve the credit risk management. In the aspect of improving the loan principal is mainly on deepening the property rights of rural credit cooperatives and governance structure reform, establish a sound credit risk management and internal control the scientific management system, strengthen the operation process of loans, improve the management and the establishment of risk compensation mechanism of the five aspects of risk management of rural credit cooperatives. The increase in loan object to support mainly from improving farmers' production and management level of organization, put forward relevant countermeasures to increase the "three rural" subsidies and improve the rural social security system three. In the creation of good credit environment is mainly from the establishment of a good credit environment, reduce administrative intervention of local government, innovation Four aspects of the loan guarantee system and the necessary policy support to resolve the "burden" are put forward.
Based on the credit risk status and influence factors of research can make us know more about the Daqing rural credit cooperatives credit risk, to prevent credit risks for Daqing rural credit cooperatives have provided the basis, reduce non-performing assets, to provide effective credit funds support for the construction of new rural areas in Daqing.

【學(xué)位授予單位】：黑龍江八一農(nóng)墾大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35;F832.4

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