本文選題：三農(nóng)信貸業(yè)務(wù)　切入點：風險管理　出處：《寧夏大學》2017年碩士論文　論文類型：學位論文

【摘要】：長期以來,三農(nóng)信貸業(yè)務(wù)存在風險高、抵押物少、管理難度大,缺少金融機構(gòu)競爭等問題,隨著深化農(nóng)業(yè)供給側(cè)改革,國家一系列關(guān)于“三農(nóng)”的政策和意見的出臺,雖在一定的范圍內(nèi)解決了三農(nóng)信貸業(yè)務(wù)風險產(chǎn)生的部分問題,但因涉農(nóng)金融機構(gòu)的三農(nóng)信貸業(yè)務(wù)風險管理存在這樣那樣的問題,導(dǎo)致三農(nóng)信貸業(yè)務(wù)的不良率還是居高不下。本文在國內(nèi)外三農(nóng)信貸業(yè)務(wù)風險管理研究的相關(guān)理論基礎(chǔ)上,對N行三農(nóng)信貸風險管理的現(xiàn)狀進行分析,探討N行近年來三農(nóng)信貸業(yè)務(wù)風險管理方面存在的問題及產(chǎn)生的原因,以平羅縣支行的三農(nóng)信貸業(yè)務(wù)為案例,進一步的說明了三農(nóng)信貸業(yè)務(wù)風險管理體系不健全、風險管理手段欠佳、IT支撐力不夠、制度落實和員工考核不到位等問題的存在。本文通過強化全面信貸業(yè)務(wù)風險管理理念、加強信貸業(yè)務(wù)各環(huán)節(jié)控制、跟隨國家政策加快產(chǎn)品創(chuàng)新、健全風險預(yù)警監(jiān)控系統(tǒng),強化風險管理考核、建立人才培養(yǎng)機制幾個方面提出了具體的改進措施,以減少三農(nóng)信貸業(yè)務(wù)風險產(chǎn)生,達到改善N行三農(nóng)信貸業(yè)務(wù)風險管理水平的目的。
[Abstract]:For a long time, the credit business of agriculture, rural areas and farmers has many problems, such as high risk, less collateral, great difficulty in management, lack of competition among financial institutions, and so on. With the deepening of agricultural supply-side reform, a series of national policies and opinions on "agriculture, rural areas and farmers" have been issued. Although some problems arising from the risks arising from the credit business of agriculture, rural areas and farmers have been solved to a certain extent, there are some problems in the risk management of the credit business of agriculture, rural areas and farmers in the agri-financial institutions. This paper analyzes the current situation of the credit risk management of agriculture, rural areas and farmers on the basis of the relevant theories of the domestic and foreign research on the credit risk management of agriculture, rural areas, rural areas and farmers at home and abroad, and analyzes the current situation of the credit risk management of agriculture, rural areas and farmers. This paper discusses the problems existing in the credit management of agriculture, rural areas and farmers of N Bank in recent years and its causes. Taking the credit business of agriculture, rural areas and farmers in Pingluo County as a case, the paper further explains that the risk management system of the credit business of agriculture, rural areas and farmers is not perfect. The risk management means are not good enough in IT support, the system implementation and the staff appraisal are not in place. This paper strengthens the credit business risk management idea, strengthens the credit business each link control, and so on, and so on the risk management method is not enough, the system implementation and the staff appraisal are not in place. Following the national policy to speed up product innovation, improve risk early warning monitoring system, strengthen risk management and assessment, establish personnel training mechanism, several aspects of specific improvement measures are put forward, in order to reduce the three rural credit business risks, To achieve the purpose of improving the risk management level of N Bank's three rural credit business.
【學位授予單位】：寧夏大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.43

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