【摘要】：在國內(nèi)多種金融機構(gòu)體系中,農(nóng)村信用社一直活躍于農(nóng)村金融市場,并發(fā)揮越來越重要的作用。但是鑒于農(nóng)村歷史遺留問題、服務(wù)領(lǐng)域過于狹隘、經(jīng)濟環(huán)境有待開發(fā)等問題,農(nóng)村信用社的不良資產(chǎn)比例較高,貸款管理上也存在很多缺陷。作為地方性的金融機構(gòu),農(nóng)村信用社具有旺盛的發(fā)展?jié)摿?主要業(yè)務(wù)集中在存款、貸款領(lǐng)域,而貸款項目的風(fēng)險一直高居不下。由此可見,要想提升農(nóng)村信用社貸款項目風(fēng)險管理能力,必須根據(jù)農(nóng)村信用社貸款項目風(fēng)險的發(fā)展現(xiàn)狀及需求預(yù)測進行分析,認識貸款項目風(fēng)險的生成機理情況。 本文主要研究農(nóng)村信用社貸款項目的風(fēng)險管理,首先從國內(nèi)農(nóng)村信用社貸款項目風(fēng)險的研究背景出發(fā),并對其意義進行具體的分析,從而闡述農(nóng)村信用社和貸款項目風(fēng)險管理的主要理論要點,根據(jù)當前農(nóng)村信用社開展貸款業(yè)務(wù)的需求狀況,引出農(nóng)村信用社開展貸款業(yè)務(wù)存在的隱形風(fēng)險,并介紹風(fēng)險識別和風(fēng)險指標的內(nèi)容。然后,鑒于盤山縣農(nóng)村信用社貸款項目風(fēng)險的現(xiàn)狀,分別通過貸款主體、貸款環(huán)境、貸款對象三個方向進行詳盡的闡述,分析其實際的貸款項目風(fēng)險源。最后,根據(jù)農(nóng)村信用社現(xiàn)存貸款項目的潛在風(fēng)險,提出貸款項目的風(fēng)險管理舉措,具體從強化內(nèi)控制度、完善風(fēng)險文化、培育專業(yè)化的員工、開發(fā)個性化金融產(chǎn)品、打造信息化信貸平臺這五個方面來規(guī)避和控制農(nóng)村信用社貸款項目的風(fēng)險源,提升農(nóng)村信用社各方面的管理能力,從而激活農(nóng)村金融經(jīng)濟的持續(xù)發(fā)展。 在本文的研究過程中,主要有以下幾點的創(chuàng)新： 一是隨著農(nóng)村信用社發(fā)展的壯大,關(guān)于其體質(zhì)建設(shè)、經(jīng)營風(fēng)險、信貸管理舉措等方面的研究著作較多,但落實到農(nóng)村信用社項目風(fēng)險管理的研究還有待加強,所以,在選題上,本文的研究有一定的創(chuàng)新性。 二是本文從農(nóng)村信用社貸款項目需求預(yù)測進行分析,尤其是全面分析了潛在的貸款項目風(fēng)險；從農(nóng)村信用社、借款人、外部環(huán)境三個視角對農(nóng)村信用社貸款風(fēng)險管理主體進行了深入剖析,總結(jié)歸納提出了農(nóng)村信用社產(chǎn)權(quán)不明晰、內(nèi)控管理混亂、歷史包袱過重、內(nèi)部人道德風(fēng)險等是導(dǎo)致其貸款風(fēng)險的主要原因。 三是從盤山縣農(nóng)村信用社的實際發(fā)展情況入手,具體闡述了其存在的貸款項目風(fēng)險因素,提出了加強農(nóng)村信用社貸款項目風(fēng)險管理能力的措施,在現(xiàn)實的農(nóng)村金融機構(gòu)中具有一定的指導(dǎo)意義。
[Abstract]:Rural credit cooperatives (RCCs) have been active in rural financial markets and play an increasingly important role in various financial institutions. However, in view of the problems left over by rural history, the service field is too narrow, the economic environment needs to be developed, the proportion of non-performing assets of rural credit cooperatives is high, and there are many defects in loan management. As a local financial institution, rural credit cooperatives have a strong development potential, the main business is concentrated in the field of deposits, loans, and the risk of loan projects has been high. It can be seen that in order to improve the risk management ability of rural credit cooperative loan project, it is necessary to analyze the development situation and demand forecast of the loan project risk, and to understand the formation mechanism of loan project risk. This paper mainly studies the risk management of the rural credit cooperative loan project. Firstly, it starts from the research background of the domestic rural credit cooperative loan project risk, and carries on the concrete analysis to its significance. The main theoretical points of risk management of rural credit cooperatives and loan projects are expounded. According to the current demand of rural credit cooperatives for loan business, the hidden risks existing in the development of loan business of rural credit cooperatives are elicited. And introduces the content of risk identification and risk index. Then, in view of the present situation of loan project risk of rural credit cooperative in Panshan County, this paper analyzes the actual risk source of loan project through three directions: loan subject, loan environment and loan object. Finally, according to the potential risks of the existing loan projects in rural credit cooperatives, the risk management measures of the loan projects are put forward, including strengthening the internal control system, perfecting the risk culture, cultivating specialized employees, and developing individualized financial products. To create information credit platform to avoid and control the risk sources of rural credit cooperatives loan projects, improve the management of rural credit cooperatives in all aspects, thereby activating the sustainable development of rural finance and economy. In the research process of this paper, there are some innovations as follows: first, with the development of rural credit cooperatives, there are many research works on their physique construction, management risk, credit management measures, etc. However, the research on project risk management of rural credit cooperatives needs to be strengthened. Second, this paper analyzes the demand forecast of rural credit cooperative loan project, especially the potential loan project risk; from the rural credit cooperative, the borrower, This paper analyzes the main body of credit risk management of rural credit cooperatives from three perspectives of external environment, summarizes and concludes that the property rights of rural credit cooperatives are not clear, the internal control management is chaotic, and the historical burden is too heavy. Moral hazard of insiders is the main reason leading to loan risk. Thirdly, starting with the actual development of rural credit cooperatives in Panshan County, this paper expounds the risk factors of loan projects, and puts forward some measures to strengthen the risk management ability of loan projects in rural credit cooperatives. In the reality of rural financial institutions have a certain guiding significance.
【學(xué)位授予單位】：大連海事大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35

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本文編號：2210630