本文關(guān)鍵詞： 甘肅西和農(nóng)村合作銀行 信貸風(fēng)險(xiǎn) 控制　出處：《蘭州大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：甘肅西和農(nóng)村合作銀行信貸風(fēng)險(xiǎn)管理工作在近幾年的發(fā)展中得到一定程度的好轉(zhuǎn)。合規(guī)理念逐步增強(qiáng),合規(guī)意識(shí)明顯提高,風(fēng)險(xiǎn)管理水平大幅提升,有章不循、違規(guī)操作的現(xiàn)象基本得到遏制。然而長期以來西和農(nóng)村合作銀行由于受管理體制、經(jīng)營機(jī)制及內(nèi)控管理等諸多因素的影響,積累了相當(dāng)程度的信貸風(fēng)險(xiǎn),表現(xiàn)在信貸風(fēng)險(xiǎn)管理的方法和理念陳舊落后,經(jīng)驗(yàn)判斷和簡單定性分析仍基本上是主要方式,不良貸款率居高不下,風(fēng)險(xiǎn)隱患集中等諸多風(fēng)險(xiǎn)因素。所以加強(qiáng)信貸風(fēng)險(xiǎn)管理具有重要的現(xiàn)實(shí)意義。 本文對甘肅西和農(nóng)村合作銀行信貸風(fēng)險(xiǎn)做了深入研究。首先,通過對信貸風(fēng)險(xiǎn)管理理論進(jìn)行綜述研究,為分析和解決西和農(nóng)村合作銀行存在的信貸風(fēng)險(xiǎn)管理問題打好理論基礎(chǔ)。其次,對甘肅西和農(nóng)村合作銀行信貸風(fēng)險(xiǎn)管理工作的現(xiàn)狀進(jìn)行了分析,通過統(tǒng)計(jì)法研究分析了西和農(nóng)村合作銀行當(dāng)前信貸狀況,找出現(xiàn)階段信貸風(fēng)險(xiǎn)管理存在的問題及成因。 最后,運(yùn)用信貸風(fēng)險(xiǎn)管理相關(guān)的理論知識(shí),再結(jié)合當(dāng)前工作的實(shí)際情況,對甘肅西和農(nóng)村合作銀行今后信貸風(fēng)險(xiǎn)管理工作做了改進(jìn)措施,起到加強(qiáng)甘肅西和農(nóng)村合作銀行信貸風(fēng)險(xiǎn)管理能力的效果。
[Abstract]:In recent years, the credit risk management of the West and Rural Cooperative Bank of Gansu has improved to a certain extent. The compliance concept has been gradually enhanced, compliance awareness has improved significantly, the level of risk management has been greatly improved, and there are rules and regulations. However, due to the influence of management system, management mechanism and internal control management, the western and rural cooperative banks have accumulated a considerable degree of credit risk for a long time. It shows that the methods and ideas of credit risk management are outdated and backward, the empirical judgment and simple qualitative analysis are still the main way, and the non-performing loan rate is still high. So strengthening credit risk management has important practical significance. This paper makes an in-depth study on the credit risk of Gansu West and Rural Cooperative Bank. First of all, through the review of the theory of credit risk management. In order to analyze and solve the problem of credit risk management in West and Rural Cooperative Bank, this paper lays a good theoretical foundation. Secondly, it analyzes the current situation of credit risk management in West and Rural Cooperative Bank of Gansu Province. This paper analyzes the current credit situation of the West and Rural Cooperative Bank by means of statistical method, and finds out the problems and causes of credit risk management in the emerging stage. Finally, using the relevant theoretical knowledge of credit risk management, combined with the actual situation of the current work, the future credit risk management of the West and Rural Cooperative Bank of Gansu Province has been improved. The effect of strengthening the credit risk management ability of Gansu West and Rural Cooperative Bank.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35;F832.4

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