本文選題：深圳龍崗國安村鎮(zhèn)銀行　切入點：信貸風(fēng)險管理　出處：《湘潭大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：村鎮(zhèn)銀行是一種新型的農(nóng)村金融機構(gòu)，，它是在國家和政府的大力支持下才成立的金融服務(wù)機構(gòu)，與一般的商業(yè)銀行有較大區(qū)別，競爭力相對要弱，吸收存款的能力不強。村鎮(zhèn)企業(yè)的發(fā)展也遠(yuǎn)不如大城市的企業(yè)，造成了村鎮(zhèn)銀行相對惡劣的生存環(huán)境。信貸風(fēng)險管理是發(fā)展村鎮(zhèn)銀行的重點和難點，如何突破信貸風(fēng)險管理瓶頸進而實現(xiàn)村鎮(zhèn)銀行的長期可持續(xù)發(fā)展是一個值得深入研究的課題，論文正是基于此目的而提出的。 深圳龍崗國安村鎮(zhèn)銀行于2012年3月成立，自成立以來，各項業(yè)務(wù)持續(xù)向好，資產(chǎn)規(guī)模不斷擴大，經(jīng)營業(yè)績逐步提升，但是在發(fā)展過程中也暴露除了一些問題，在信貸風(fēng)險管理方面主要發(fā)現(xiàn)了五個方面的問題：尚未建立完善的信貸風(fēng)險管理體系，缺乏系統(tǒng)全面的風(fēng)險管理內(nèi)控機制，信貸風(fēng)險管理的方法和手段落后，對流動性風(fēng)險防范意識不強，信貸人員業(yè)務(wù)素質(zhì)低、流動性大、缺乏監(jiān)管等；主要原因包括內(nèi)部監(jiān)管機構(gòu)不健全、融資渠道單一、信用制度體系不健全、缺乏專業(yè)人才。 論文閱讀和整理了大量專業(yè)文獻，為深圳龍崗國安村鎮(zhèn)銀行信貸風(fēng)險管理改進對策提供了理論指導(dǎo)。論文所涉及的相關(guān)理論主要是信息不對稱理論、聲譽機制理論、信貸抵押模型和基于利益共同體的博弈模型。針對深圳龍崗國安村鎮(zhèn)銀行在信貸風(fēng)險管理方面所存在的問題，論文將信貸風(fēng)險管理分為貸前風(fēng)險預(yù)防、貸后風(fēng)險控制兩個大階段和事前治理、事中治理、事后治理三個小步驟；接著針對深圳龍崗國安村鎮(zhèn)銀行的貸款客戶結(jié)構(gòu)分為了三類信貸風(fēng)險貸前管理模式：中型企業(yè)信貸風(fēng)險管理模式，小微企業(yè)、個體戶信貸風(fēng)險管理模式，個人消費性信貸風(fēng)險管理模式；最后還對深圳龍崗國安村鎮(zhèn)銀行的信貸風(fēng)險貸后管理模式進行了詳細(xì)論述。 論文最后從信貸風(fēng)險識別保障措施、建立科學(xué)的信貸風(fēng)險預(yù)防機制、建立信貸風(fēng)險管理獎懲機制等三個大的方面來對深圳龍崗國安村鎮(zhèn)銀行信貸風(fēng)險管理提出了保障措施。
[Abstract]:The village bank is a new type of rural financial institution. It is a financial service institution established with the support of the state and the government. It is quite different from the general commercial bank, and its competitiveness is relatively weak. The ability to absorb deposits is not strong. The development of village and town enterprises is not as good as that of large cities, resulting in a relatively bad living environment for village banks. Credit risk management is the key and difficult point of developing village banks. How to break through the bottleneck of credit risk management and realize the long-term sustainable development of village banks is a subject worthy of further study. The Shenzhen Longgang Guoan Village Bank was established in March 2012. Since its establishment, various businesses have continued to improve, the scale of assets has continued to expand, and the business performance has been gradually improved. However, in the course of development, some problems have also been exposed. In the aspect of credit risk management, five problems have been found: not yet perfect credit risk management system, lack of systematic and comprehensive internal control mechanism of risk management, and backward methods and means of credit risk management. The main reasons include the unsound internal supervision organization, the single financing channel, the imperfect credit system system and the lack of professional talents. The paper has read and sorted out a large number of professional documents, which provides theoretical guidance for the improvement of credit risk management of Shenzhen Longgang Guoan Village Bank. The related theories involved in this paper are mainly information asymmetry theory, reputation mechanism theory, etc. Credit mortgage model and game model based on community of interests. Aiming at the problems in credit risk management of Shenzhen Longgang Guoan Village Bank, the paper divides credit risk management into pre-loan risk prevention. After the loan risk control two big stages and the beforehand governance, in the matter governs, after the treatment three small steps; Then according to the loan customer structure of Shenzhen Longgang Guoan Village Bank, there are three types of credit risk management model: credit risk management model for medium-sized enterprises, small and micro enterprises, and self-employed credit risk management model. Finally, the management model of credit risk after loan of Shenzhen Longgang Guoan Village Bank is discussed in detail. Finally, the paper puts forward the safeguard measures of credit risk management of Shenzhen Longgang Guoan Village Bank from three aspects, such as credit risk identification safeguard measures, scientific credit risk prevention mechanism and credit risk management reward and punishment mechanism.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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