本文選題：農(nóng)村商業(yè)銀行　切入點(diǎn)：不良資產(chǎn)　出處：《安徽財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：改革開放近四十年來,我國農(nóng)村金融改革取得了巨大成就,然而在整個(gè)金融體系中仍然處于最薄弱的地位。農(nóng)村地區(qū)的金融資源匱乏,金融服務(wù)不到位,而這幾年在經(jīng)濟(jì)轉(zhuǎn)型以及自身經(jīng)營的發(fā)展需求下,作為農(nóng)村經(jīng)濟(jì)重要支撐的農(nóng)村信用社紛紛改制為農(nóng)村商業(yè)銀行。改制完成后,農(nóng)村商業(yè)銀行的不良資產(chǎn)額較農(nóng)信社時(shí)期雖有所下降,但是與各商業(yè)銀行相比仍是差之千里。在農(nóng)商行成立初期,如何切實(shí)有效盤活農(nóng)商行不良資產(chǎn),這關(guān)乎農(nóng)商行未來運(yùn)營發(fā)展的關(guān)鍵,所以不良資產(chǎn)的管理必須作為農(nóng)商行當(dāng)前工作的重中之重。H農(nóng)村商業(yè)銀行是于近年新成立的金融機(jī)構(gòu),發(fā)展態(tài)勢良好,經(jīng)營規(guī)模擴(kuò)張速度驚人,但隨之而來的便是不良資產(chǎn)規(guī)模的不斷攀升。在對(duì)全國農(nóng)商行的統(tǒng)計(jì)報(bào)告中,H農(nóng)村商業(yè)銀行不良資產(chǎn)率遠(yuǎn)遠(yuǎn)超出了同業(yè)水平,這引起了銀行界的廣泛關(guān)注。本文以H農(nóng)村商業(yè)銀行為例,對(duì)該行的不良資產(chǎn)管理問題進(jìn)行了深入剖析。首先對(duì)H農(nóng)商行的經(jīng)營發(fā)展現(xiàn)狀作了簡要介紹,通過對(duì)H農(nóng)商行利潤表、不良資產(chǎn)五級(jí)分類分布情況進(jìn)行深入分析,介紹了當(dāng)前H農(nóng)商行不良資產(chǎn)的嚴(yán)峻情況。接下來重點(diǎn)分析了H農(nóng)商行不良資產(chǎn)率居高不下的原因。農(nóng)商行的不良資產(chǎn)來自于兩個(gè)方面:一是歷史原因,二是新增不良資產(chǎn)。著重分析了H農(nóng)商行新增不良資產(chǎn)的形成原因,發(fā)現(xiàn)H農(nóng)商行從信貸機(jī)制、從業(yè)人員素質(zhì)到外部環(huán)境等方面存在的問題。本文的重點(diǎn)部分是對(duì)H農(nóng)商行不良資產(chǎn)管理分析。從管理模式和管理方法兩方面進(jìn)行展開闡述,分析當(dāng)前管理模式和方法的缺陷與不足。進(jìn)而在后一部分針對(duì)這些不足和缺陷給出了對(duì)策建議,包括集中式管理模式的推薦和創(chuàng)新不良資產(chǎn)處置方式等。最后簡要的對(duì)農(nóng)村商業(yè)銀行這一類金融機(jī)構(gòu)提出了兩點(diǎn)建議。本文在研究方法上重點(diǎn)懫用了案例分析法,通過對(duì)H農(nóng)商行不良資產(chǎn)管理分析,在解決H農(nóng)村商業(yè)銀行不良資產(chǎn)管理問題時(shí),希望也能夠?yàn)槿珖渌r(nóng)村商業(yè)銀行管理不良資產(chǎn)提供經(jīng)驗(yàn)借鑒。
[Abstract]:Since the reform and opening to the outside world, great achievements have been made in the rural financial reform in China, but it is still in the weakest position in the whole financial system.In rural areas, the financial resources are scarce and the financial services are not in place. In recent years, the rural credit cooperatives, as an important support of the rural economy, have been transformed into rural commercial banks under the needs of economic transformation and the development of their own management.After the reform, the amount of bad assets of rural commercial banks is lower than that of rural credit cooperatives, but it is still a thousand miles worse than that of commercial banks.At the beginning of the agribusiness bank's establishment, how to effectively activate the bad assets of the agribusiness bank is the key to the future operation and development of the agribusiness bank.Therefore, the management of non-performing assets must be regarded as the top priority of the current work of agricultural and commercial banks. The rural commercial bank is a newly established financial institution in recent years. The development situation is good, and the expansion rate of business scale is astonishing.But what comes with it is the rising scale of bad assets.In the statistical report of the national agricultural and commercial banks, the rate of non-performing assets of rural commercial banks has far exceeded the level of the same industry, which has aroused widespread concern in the banking sector.Taking H rural commercial bank as an example, this paper deeply analyzes the problem of bad assets management in H rural commercial bank.First of all, the paper briefly introduces the present situation of the management and development of H Agricultural Commercial Bank. Through the analysis of the profit statement of H Agricultural Commercial Bank and the distribution of non-performing assets in five levels, this paper introduces the severe situation of the bad assets of H Agricultural Commercial Bank at present.Next, the paper analyzes the reasons for the high rate of bad assets.The bad assets of agribusiness come from two aspects: one is historical reason, the other is new bad assets.This paper emphatically analyzes the reasons for the formation of the new bad assets of the H-farm firm, and finds out the problems existing in the H-agribusiness from the credit mechanism, the quality of the employees to the external environment and so on.The key part of this paper is the analysis of bad assets management of H-agribusiness.This paper expounds the management mode and management method, and analyzes the defects and shortcomings of the current management mode and method.In the latter part, the countermeasures and suggestions are given, including the recommendation of centralized management model and the innovation of non-performing assets disposal.At last, the paper puts forward two suggestions to the rural commercial bank.In this paper, the case analysis method is used to solve the problem of non-performing assets management in H rural commercial bank. Through the analysis of the management of bad assets of H agribusiness bank, this paper discusses how to solve the problem of non-performing assets management in H rural commercial bank.Hope also for other rural commercial banks in China to provide experience for the management of non-performing assets.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.35

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