本文選題：信貸風(fēng)險(xiǎn) + 信貸風(fēng)險(xiǎn)管理　； 參考：《哈爾濱理工大學(xué)》2014年碩士論文

【摘要】：近些年來(lái)，隨著我國(guó)金融政策和農(nóng)村經(jīng)濟(jì)的不斷發(fā)展，我國(guó)的農(nóng)村合作銀行取得了快速的發(fā)展，成為了農(nóng)村經(jīng)濟(jì)建設(shè)的重要支持力量，為我國(guó)經(jīng)濟(jì)的發(fā)展做出了重大貢獻(xiàn)。但是，，不可忽視的是，隨著我國(guó)農(nóng)村合作銀行的不斷發(fā)展壯大，資產(chǎn)和信貸規(guī)模的不斷攀升，也逐漸暴漏出來(lái)很多問(wèn)題。信貸風(fēng)險(xiǎn)是我國(guó)商業(yè)銀行面臨的最主要的風(fēng)險(xiǎn)，因此，商業(yè)銀行的風(fēng)險(xiǎn)管理必然以信貸風(fēng)險(xiǎn)管理為核心進(jìn)行管理。特別是在近年來(lái)金融危機(jī)，市場(chǎng)環(huán)境日益惡化的大背景下，商業(yè)銀行的貸款質(zhì)量整體下滑，不良貸款率出現(xiàn)上升的趨勢(shì)。信貸業(yè)務(wù)是銀行核心的業(yè)務(wù)，信貸風(fēng)險(xiǎn)直接威脅著商業(yè)銀行的資金安全，那么如何防范和管理信貸風(fēng)險(xiǎn)成為商業(yè)銀行風(fēng)險(xiǎn)管理的首要任務(wù)。 本文運(yùn)用風(fēng)險(xiǎn)管理的相關(guān)理論，結(jié)合浙江上虞農(nóng)村合作銀行的發(fā)展現(xiàn)狀，通過(guò)分析其信貸風(fēng)險(xiǎn)管理流程和方法，找出了在其信貸風(fēng)險(xiǎn)管理中存在的問(wèn)題�；诖耍疚奶岢隽苏憬嫌蒉r(nóng)村合作銀行進(jìn)行信貸風(fēng)險(xiǎn)管理要采取的措施和建議。要建議全面的質(zhì)量風(fēng)險(xiǎn)監(jiān)管體系。具體措施：有完善公司治理結(jié)構(gòu)，加強(qiáng)內(nèi)部控制和信貸操作流程規(guī)范化，落實(shí)貸款三查制度；要建立有效的信貸風(fēng)險(xiǎn)識(shí)別和評(píng)價(jià)體系。具體措施：提高銀行風(fēng)險(xiǎn)管理意識(shí)，提高信貸風(fēng)險(xiǎn)測(cè)量和識(shí)別水平，完善財(cái)務(wù)分析體系；第三要優(yōu)化貸款結(jié)構(gòu)。具體措施有：嚴(yán)格貸款擔(dān)保、加強(qiáng)不良貸款清收，優(yōu)化信貸資產(chǎn)結(jié)構(gòu)、降低貸款集中度風(fēng)險(xiǎn)；最后要加強(qiáng)人才培養(yǎng)和信貸文化建設(shè)。
[Abstract]:In recent years, with the continuous development of our country's financial policy and rural economy, the rural cooperative bank of our country has obtained the rapid development, has become the important support force of the rural economic construction, has made the important contribution to the development of our country's economy. However, it can not be ignored that with the continuous development of rural cooperative banks, assets and credit scale continue to climb, but also gradually leak out a lot of problems. Credit risk is the most important risk faced by commercial banks in our country. Therefore, the risk management of commercial banks must take credit risk management as the core. Especially under the background of the financial crisis and the deteriorating market environment in recent years, the loan quality of commercial banks has declined as a whole, and the non-performing loan ratio has shown an upward trend. The credit business is the core business of the bank, and the credit risk directly threatens the capital security of the commercial bank, so how to prevent and manage the credit risk becomes the primary task of the commercial bank risk management. Based on the theory of risk management and the development situation of Zhejiang Shangyu Rural Cooperative Bank, this paper analyzes its credit risk management process and methods, and finds out the problems existing in its credit risk management. Based on this, this paper puts forward some measures and suggestions for the credit risk management of Zhejiang Shangyu Rural Cooperative Bank. To suggest a comprehensive quality risk regulatory system. The concrete measures include perfecting the corporate governance structure, strengthening the internal control and the standardization of the credit operation process, implementing the three-check system of loans, and establishing an effective credit risk identification and evaluation system. Specific measures: to improve the bank risk management awareness, improve the level of credit risk measurement and identification, improve the financial analysis system; third, optimize the loan structure. The specific measures are: strict loan guarantee, strengthening the collection of non-performing loans, optimizing the structure of credit assets, reducing the risk of loan concentration; finally, strengthening the cultivation of talents and the construction of credit culture.
【學(xué)位授予單位】：哈爾濱理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.35

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