【摘要】：中國農(nóng)村金融市場供需不平衡,銀監(jiān)會為了提高農(nóng)村金融的供給能力,出臺了一系列的政策措施,來發(fā)展以村鎮(zhèn)銀行為主的農(nóng)村金融機(jī)構(gòu)。村鎮(zhèn)銀行采取的是現(xiàn)代企業(yè)的經(jīng)營管理模式,主要為“三農(nóng)”的建設(shè)服務(wù)。但是因?yàn)榻?jīng)營規(guī)模小,經(jīng)營的成本高等原因,對于村鎮(zhèn)銀行與大型的城市銀行來說,信用風(fēng)險(xiǎn)問題更加的嚴(yán)重。本文研究的目的就是為村鎮(zhèn)銀行怎樣控制風(fēng)險(xiǎn),實(shí)現(xiàn)可持續(xù)發(fā)展提供可行的建議。本文主要研究了村鎮(zhèn)銀行的發(fā)展環(huán)境和村鎮(zhèn)銀行的信用風(fēng)險(xiǎn),首先介紹了村鎮(zhèn)銀行的發(fā)展歷程、特征,然后描述了村鎮(zhèn)銀行發(fā)展環(huán)境以及運(yùn)營狀況和發(fā)展中存在的問題,介紹村鎮(zhèn)銀行的風(fēng)險(xiǎn)類別,分析了其中最主要的信用風(fēng)險(xiǎn)的成因,最后選取樣本銀行2013-2014年的信貸數(shù)據(jù),對村鎮(zhèn)銀行的信用風(fēng)險(xiǎn)進(jìn)行了實(shí)證研究。本文通過研究得出以下結(jié)論:1、發(fā)展村鎮(zhèn)銀行可以改善我國農(nóng)村金融市場的供需不平衡;2、在村鎮(zhèn)銀行的發(fā)展過程中,信用風(fēng)險(xiǎn)是其中最主要的問題,信息不對稱等原因?qū)е铝舜彐?zhèn)銀行的信用風(fēng)險(xiǎn);3、通過對各種信用風(fēng)險(xiǎn)分析方法的挑選,Creditrisk+模型是最適用村鎮(zhèn)銀行的信用風(fēng)險(xiǎn)的分析;4、通過實(shí)證研究,村鎮(zhèn)銀行對支農(nóng)惠農(nóng)項(xiàng)目的信用風(fēng)險(xiǎn)的控制能力還不夠。根據(jù)以上的結(jié)論,本文提出一些對策建議:1、推進(jìn)農(nóng)村金融改革;2、科學(xué)的管理體系;3、加強(qiáng)現(xiàn)有機(jī)制的公平性,完善村鎮(zhèn)銀行經(jīng)營狀況;4加大政府補(bǔ)貼,降低信用風(fēng)險(xiǎn)。
[Abstract]:In order to improve the supply and demand of rural finance, the CBRC has issued a series of policy measures to develop rural financial institutions, which are dominated by village and town banks, in order to improve the supply capacity of rural finance in order to improve the supply capacity of rural finance in China's rural financial market. Village and town banks adopt the management mode of modern enterprises, mainly for the construction of agriculture, rural areas and farmers. However, because of the small scale of operation and the high cost of operation, the credit risk problem is more serious for village banks and large city banks. The purpose of this paper is to provide feasible suggestions for village banks to control risks and realize sustainable development. This paper mainly studies the development environment of village bank and the credit risk of village bank, first introduces the development course and characteristics of village bank, then describes the development environment, operation status and existing problems of village bank, introduces the risk category of village bank, analyzes the causes of the most important credit risk, and finally selects the credit data of sample bank from 2013 to 2014. This paper makes an empirical study on the credit risk of village banks. Through the study, this paper draws the following conclusions: 1, the development of village banks can improve the imbalance between supply and demand in the rural financial market of our country; 2, in the process of the development of village banks, credit risk is one of the most important problems, information asymmetry and other reasons lead to the credit risk of village and town banks; 3, through the selection of various credit risk analysis methods, Creditrisk model is the most suitable for the analysis of credit risk of village and town banks; 4. Through empirical research, the ability of village banks to control the credit risk of agricultural projects is not enough. According to the above conclusions, this paper puts forward some countermeasures and suggestions: 1, promote rural financial reform; 2, scientific management system; 3, strengthen the fairness of the existing mechanism and improve the management of village and town banks; 4 increase government subsidies to reduce credit risk.
【學(xué)位授予單位】：寧波大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.35

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