本文選題：信貸風(fēng)險管理　切入點：影響因素　出處：《山東理工大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：信貸風(fēng)險管理是農(nóng)村信用社信貸業(yè)務(wù)發(fā)展好壞的重要決定因素,提高信貸風(fēng)險管理水平,有利于建立有效的風(fēng)險防范機制,保證信用社信貸資金安全,提高農(nóng)村信用社的競爭能力和獲利能力,提高信用社的經(jīng)濟效益。做好信貸風(fēng)險管理工作也是農(nóng)村信用社自身信譽提升的主要途徑,是推進信用社業(yè)務(wù)經(jīng)營與國際慣例接軌的重要環(huán)節(jié)。但是種種不確定的宏觀政治、經(jīng)濟、自然氣候和微觀環(huán)境發(fā)生著變化,使得深受這些環(huán)境因素影響的信貸風(fēng)險也在不斷增加,RCQ農(nóng)村信用社的不良貸款率逐步上升,經(jīng)營受到了空前的挑戰(zhàn)。因此,加強信貸風(fēng)險管理變得尤為重要。本文首先闡述了信貸風(fēng)險管理的相關(guān)理論及國內(nèi)外主要研究成果,分析值得借鑒的地方,作為全文研究的理論基礎(chǔ);然后介紹了RCQ農(nóng)村信用社信貸風(fēng)險管理的現(xiàn)狀。其次,綜合運用風(fēng)險環(huán)境分析、制作風(fēng)險清單、幕景分析等方法,對該信用社的信貸風(fēng)險影響因素進行識別,運用層次分析法對這些因素進行評估度量,評估出各因素的重要性程度,結(jié)合問卷調(diào)查得出的調(diào)研結(jié)果,與RCQ農(nóng)村信用社在貸前授信管理、貸款發(fā)放管理以及貸后管理中實際存在的問題進行對接,明確改進工作的重點。最后,依據(jù)度量結(jié)果,對授信管理、信用評級、風(fēng)險預(yù)警和風(fēng)險處理等體系重新進行規(guī)劃和統(tǒng)一,對信貸風(fēng)險管理的組織結(jié)構(gòu)進行重構(gòu),對信貸風(fēng)險管理相關(guān)制度進行規(guī)范和創(chuàng)新,對信貸風(fēng)險管理改進的外部環(huán)境進行優(yōu)化。
[Abstract]:Credit risk management is an important determinant of the development of credit business in rural credit cooperatives. Improving the level of credit risk management is conducive to establishing an effective risk prevention mechanism and ensuring the security of credit funds of credit cooperatives. Improving the competitiveness and profitability of rural credit cooperatives, improving the economic benefits of credit cooperatives, and doing a good job of credit risk management are also the main ways to enhance the credit standing of rural credit cooperatives. It is an important link in promoting the business operation of credit cooperatives in line with international practice. However, various uncertain macro politics, economy, natural climate and micro environment are changing. The non-performing loan rate of RCQ rural credit cooperatives is rising gradually, and the operation is facing unprecedented challenges because of the credit risk which is greatly influenced by these environmental factors. It is particularly important to strengthen the management of credit risk. Firstly, this paper expounds the relevant theories of credit risk management and the main research results at home and abroad, and analyzes the areas worth learning from, as the theoretical basis of the full text research; Then it introduces the present situation of credit risk management of RCQ rural credit cooperative. Secondly, it identifies the influencing factors of credit risk of the credit cooperative by synthetically using risk environment analysis, making risk list, screen view analysis and so on. Using Analytic hierarchy process (AHP) to evaluate these factors, to evaluate the importance of each factor, combined with the survey results obtained by the questionnaire, and RCQ rural credit cooperatives in the credit management before the loan, Finally, according to the measurement results, credit management, credit rating, credit management, credit rating, The system of risk warning and risk management is planned and unified again, the organizational structure of credit risk management is reconstructed, the relevant system of credit risk management is standardized and innovated, and the external environment of improving credit risk management is optimized.
【學(xué)位授予單位】：山東理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4

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