本文關鍵詞：靜寧縣農(nóng)村信用社信貸風險管理控制分析　出處：《蘭州大學》2014年碩士論文　論文類型：學位論文

  更多相關文章： 靜寧縣農(nóng)村信用社 信貸風險 對策

【摘要】：作為我國農(nóng)村經(jīng)濟的主要服務者,農(nóng)村信用社也是我國農(nóng)村最重要的融資渠道,在我國農(nóng)村經(jīng)濟不夠發(fā)達的區(qū)域,農(nóng)村信用社為我國農(nóng)村鄉(xiāng)鎮(zhèn)企業(yè)以及農(nóng)戶的生產(chǎn)經(jīng)營活動提供了很高比例的資金支持。在當今社會,隨著金融創(chuàng)新以及金融自由化層出不窮,農(nóng)村信用社面臨的社會經(jīng)營環(huán)境變得日益復雜。作為經(jīng)營貨幣的金融機構,靜寧縣農(nóng)村信用社同其他的商業(yè)性銀行一樣,信貸風險的管理控制一直是靜寧縣農(nóng)村信用社經(jīng)營管理中的重點。然而,目前靜寧縣農(nóng)村信用社存在著信貸業(yè)務工作人員整體素質(zhì)不高、信貸風險的管理控制不夠完善、對貸款人授信評級不夠準確、信貸管理控制的制度制定不夠全面以及信貸風險預警體系不夠完善等問題。這些問題的存在加大了靜寧縣農(nóng)村信用社的信貸風險,并對靜寧縣農(nóng)村信用社的長遠發(fā)展產(chǎn)生限制,同時也削弱了靜寧縣農(nóng)村信用社對靜寧縣農(nóng)村經(jīng)濟的發(fā)展提供支持的功能。提升信貸風險管理控制水平是靜寧縣農(nóng)村信用社能夠長遠發(fā)展的必然要求,同時設立科學并且有效的信貸風險的防范體制,也是對靜寧縣“三農(nóng)”經(jīng)濟的發(fā)展以及國家社會主義新農(nóng)村的建設能夠順利實現(xiàn)的金融保證和支持。 本文以靜寧縣農(nóng)村信用社的信貸風險的管理控制作為研究對象,利用定性與定量相結(jié)合的各種研究方法,對靜寧縣農(nóng)村信用社目前的信貸風險管理控制現(xiàn)狀以及在信貸風險管理控制方面存在的問題和產(chǎn)生信貸問題的原因進行了深入的研究,并針對目前信貸風險的管理控制中所產(chǎn)生的問題提出了解決靜寧縣農(nóng)村信用社信貸風險的管理控制存在的問題以及加強信貸風險管理控制的建議。不僅可以提高靜寧縣農(nóng)村信用社信貸風險管理控制的水平,而且能夠為靜寧縣農(nóng)村信用社在完善信貸風險管理系統(tǒng)提供一定的參考價值,從而解決靜寧縣農(nóng)村信用社在信貸風險管理控制中存在的系列問題,建立科學全面有效的信貸風險管理控制機制,提高信用社信貸風險管理控制的能力,同時對靜寧縣農(nóng)村信用社信貸風險的研究分析對信用社的長遠發(fā)展產(chǎn)生一定現(xiàn)實上的意義,該研究也對其它農(nóng)村信用社提供了必要的借鑒,為我國現(xiàn)代信貸風險管理制度的建設和農(nóng)村信用社的發(fā)展提供重要的參考價值。
[Abstract]:As the main service in China's rural economy, the most important financing channels of rural credit cooperatives and rural areas of China, China's rural economy in underdeveloped regions, with a high proportion of funds to support rural credit cooperatives for rural township enterprises and farmers in the production and business activities. In today's society, with the development of financial innovation and the financial liberalization of rural credit cooperatives emerge in an endless stream, facing the social business environment has become increasingly complex. As a financial institution operating currency, Jingning rural credit cooperatives and other commercial banks, credit risk management and control has been the focus of the management of rural credit cooperatives in Jingning county. However, the current Jingning County Rural Credit society exists in the overall quality of staff is not high credit business, credit risk management is not perfect, is not accurate enough for the Lender Credit Rating, credit management and control The problem is not comprehensive and the credit risk early warning system is not perfect and so making system. These problems increase the Jingning County Rural credit cooperatives credit risk, and restrict the long-term development of Jingning County Rural Credit Cooperatives, but also weakened the support function of Jingning County Rural Credit Cooperatives in rural economic development. Promote Jingning County credit risk management control level is Jingning County Rural Credit Cooperatives to the inevitable requirement of the long-term development, and the establishment of scientific and effective credit risk prevention system, financial guarantee and support the development of Jingning county's rural economy and the construction of national socialism new countryside can be successfully achieved.
In this paper, the control of Jingning County Rural credit cooperatives credit risk management as the research object, research by means of qualitative and quantitative methods, causes of the credit problems of Jingning County Rural Credit Cooperatives in the current credit risk management and control situation and existing in the management of credit risk control problems and was studied. In view of the current credit risk management and control problems arising in the proposed Jingning County Rural credit cooperatives credit risk management control problems and strengthen the risk management of credit control advice. Not only can improve the Jingning County Rural credit cooperatives credit risk control and management level, but also for the Jingning County Rural Credit Cooperatives in the perfect the credit risk management system to provide certain reference value to solve the problems in the management of credit risk control in Jingning County Rural Credit Cooperatives The series of problems, establishment of a comprehensive scientific and effective credit risk management control mechanism, improve the ability to control the credit risk management, and Research on the Jingning County Rural credit cooperatives credit risk analysis of the long-term development of the credit cooperatives have a certain practical significance, the research of other rural credit cooperatives to provide the necessary reference that provides an important reference for the development of modern credit risk management system of our country and the construction of rural credit cooperatives.

【學位授予單位】：蘭州大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.35;F832.4

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