本文關(guān)鍵詞： 農(nóng)村商業(yè)銀行 信貸風(fēng)險(xiǎn) 風(fēng)險(xiǎn)防范　出處：《廣東財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)村商業(yè)銀行由農(nóng)村信用社深化改革而來，，是金融改革的產(chǎn)品，聯(lián)系城鄉(xiāng)的主要金融紐帶，農(nóng)村商業(yè)銀行作為支農(nóng)、惠農(nóng)的主力軍，是我國農(nóng)村地區(qū)資金和金融服務(wù)的主要提供者。HY市農(nóng)村商業(yè)銀行（下稱“HY農(nóng)商行”）是在2008年8月由HY市源城區(qū)農(nóng)村信用合作聯(lián)社改制而來，作為HY市本土首家農(nóng)村商業(yè)銀行，一直都致力于提升金融服務(wù)水平，不斷為促進(jìn)地方經(jīng)濟(jì)發(fā)展出一份力。 信貸風(fēng)險(xiǎn)管理是當(dāng)前我國商業(yè)銀行經(jīng)營發(fā)展十分重要的一個(gè)課題。對(duì)于HY農(nóng)商行而言，貸款是其提供金融服務(wù)的主要渠道，貸款風(fēng)險(xiǎn)的高低直接關(guān)系到其自身的生存和發(fā)展，并在一定程度上影響HY市農(nóng)村經(jīng)濟(jì)發(fā)展和農(nóng)業(yè)結(jié)構(gòu)調(diào)整。因此，若HY農(nóng)商行的貸款風(fēng)險(xiǎn)不能得到有效的管理和控制，將有可能會(huì)影響到其經(jīng)營發(fā)展甚至制約HY市新農(nóng)村建設(shè)。在這種背景下，研究HY農(nóng)村商業(yè)銀行的貸款風(fēng)險(xiǎn)是一個(gè)具有社會(huì)意義的課題。 本文首先闡述了HY農(nóng)商行信貸風(fēng)險(xiǎn)管理的研究背景及意義，緊接著對(duì)國內(nèi)外學(xué)者關(guān)于信貸風(fēng)險(xiǎn)管理的主要研究成果進(jìn)行了分析，以此作為全文研究的理論基礎(chǔ)，然后對(duì)信貸風(fēng)險(xiǎn)管理理論進(jìn)行概述。其次，對(duì)HY農(nóng)商行基本情況、規(guī)章制度、信貸風(fēng)險(xiǎn)管理的組織結(jié)構(gòu)等進(jìn)行分析，并就HY農(nóng)商行的信貸風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行了討論。再次，結(jié)合HY農(nóng)商行發(fā)展現(xiàn)狀，指出HY農(nóng)商行信貸風(fēng)險(xiǎn)存在問題，形成的主要原因：人員素質(zhì)較低、風(fēng)險(xiǎn)意識(shí)淡薄，部門職能轉(zhuǎn)變不到位，及政策扶持力度不足等。最后，針對(duì)上述信貸風(fēng)險(xiǎn)提出了防控措施：加強(qiáng)內(nèi)部管理、落實(shí)管理協(xié)調(diào)機(jī)制、完善法人治理結(jié)構(gòu)、加強(qiáng)信貸管理、創(chuàng)新信貸金融服務(wù)方式和構(gòu)建農(nóng)村社會(huì)信用體系等。 本文的研究對(duì)HY農(nóng)商行而言，對(duì)其提高對(duì)信貸風(fēng)險(xiǎn)的認(rèn)識(shí)并加強(qiáng)防范，改善經(jīng)營發(fā)展?fàn)顩r、提高經(jīng)營效率有一定幫助；對(duì)HY市及其他地市的農(nóng)村合作金融機(jī)構(gòu)而言，可為其防范信貸風(fēng)險(xiǎn)、構(gòu)建信貸風(fēng)險(xiǎn)管理機(jī)制提供借鑒。
[Abstract]:Rural commercial banks come from the deepening reform of rural credit cooperatives. They are the products of financial reform, the main financial ties linking urban and rural areas, and rural commercial banks are the main force supporting agriculture and benefiting farmers. HY City Rural Commercial Bank (hereinafter referred to as "HY Agricultural Commercial Bank") was reorganized in August 2008 by the Rural Credit Cooperation Association of Yuancheng District of HY City. As the first rural commercial bank in HY city, HY is the main provider of funds and financial services in rural areas. Has been committed to improving the level of financial services, to continue to promote the local economy to develop a contribution. Credit risk management is a very important subject in the management and development of commercial banks in our country at present. For HY agribusiness banks, loan is the main channel to provide financial services, and the level of loan risk is directly related to their own survival and development. And to some extent affect the rural economic development and agricultural structure adjustment of HY. Therefore, if the loan risk of HY agribusiness can not be effectively managed and controlled, It may affect the development of HY and even restrict the construction of new countryside in HY. Under this background, it is a social significance to study the loan risk of HY rural commercial bank. This paper first expounds the research background and significance of credit risk management of HY agribusiness bank, and then analyzes the main research results of domestic and foreign scholars on credit risk management, taking it as the theoretical basis of the full text research. Then the theory of credit risk management is summarized. Secondly, the basic situation, rules and regulations of HY agribusiness, the organizational structure of credit risk management are analyzed, and the present situation of credit risk management of HY agricultural firm is discussed. Combined with the present development situation of HY agribusiness bank, the paper points out the problems existing in the credit risk of HY agribusiness bank, the main reasons of which are the low quality of personnel, the weak risk consciousness, the lack of functional transformation of the department, and the lack of policy support, etc. In view of the above mentioned credit risk prevention and control measures are put forward: strengthening internal management, implementing management coordination mechanism, perfecting corporate governance structure, strengthening credit management, innovating credit financial service mode and constructing rural social credit system. The research in this paper is helpful to HY agribusiness to improve its understanding of credit risk and strengthen prevention, to improve the situation of management and development, to improve the management efficiency, and to the rural cooperative financial institutions in HY and other cities. It can provide reference for preventing credit risk and constructing credit risk management mechanism.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.35;F832.4

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