本文選題：農村商業(yè)銀行 + 信貸風險��； 參考：《青島科技大學》2017年碩士論文

【摘要】：農村商業(yè)銀行前身是農村信用社,在沒有改制之前,農村商業(yè)銀行的市場定位就是服務三農,立足當?shù)剞r村、農業(yè)、農民發(fā)展,兼顧農村地區(qū)與城區(qū)兩大服務主體,承擔著支持地方經濟發(fā)展的重任,為地方三農建設、中小微企業(yè)發(fā)展提供雄厚的資金后盾,為地方社會穩(wěn)定、經濟改革發(fā)展做出了巨大貢獻,對整個社會的和諧發(fā)展起到了十分重要的作用。近幾年,農村商業(yè)銀行發(fā)展勢頭迅猛,取得了不小的成績,但是暴露的問題、存在的風險也越來越多。信貸風險是商業(yè)銀行所面臨的最重要的風險形式之一,加強信貸風險管理也成為所有商業(yè)銀行風險管理的重要組成部分。本文主要結合以往信貸風險管理的經驗結論,對G市農村商業(yè)銀行信貸風險管理現(xiàn)狀進行分析研究。通過分析G市農村商業(yè)銀行的信貸管理體系的構成、信貸管理制度的建設等情況,詢問業(yè)務人員在信貸過程中的具體操作流程,結合信貸系統(tǒng)數(shù)據(jù)的分析、以往發(fā)生的信貸風險案例等,指出存在的問題,比如信貸風險管理體系不完善、制度執(zhí)行不嚴格、高素質信貸管理隊伍缺失、信貸結構不合理、信貸風險識別預警體系存在缺陷等。針對這些問題,深入分析信貸風險背后的原因,包括信用環(huán)境惡劣、信息不對稱、地方行政干預等外部原因,和信貸過程管理疏忽、體系制度不健全、信貸文化建設空白等內部原因。最后針對前面發(fā)現(xiàn)的問題提出可操作性的意見建議:加快建設銀行完整的風險管理體系、完善風險預警機制、注重信貸人員的業(yè)務技能培訓道德素質培養(yǎng)等等。對農村商業(yè)銀行信貸風險管理的研究,有利于提高銀行本身信貸資產的質量,促進地方經濟的發(fā)展、構建和諧社會。
[Abstract]:Rural commercial banks were formerly rural credit cooperatives. Before the restructuring, the market orientation of rural commercial banks was to serve the three rural areas, to base themselves on the development of local rural areas, agriculture and farmers, and to take into account the two main service subjects of rural areas and urban areas. Undertaking the important task of supporting local economic development, providing abundant financial backing for the construction of local agriculture, rural areas and small and medium-sized enterprises, and making great contributions to local social stability and economic reform and development. The harmonious development of the whole society has played a very important role. In recent years, rural commercial banks are developing rapidly and have made great achievements, but the problems exposed, the risks are more and more. Credit risk is one of the most important forms of risk faced by commercial banks, and strengthening credit risk management has become an important part of risk management of all commercial banks. This paper analyzes and studies the present situation of credit risk management of rural commercial banks in G city based on the experience of credit risk management in the past. By analyzing the composition of credit management system and the construction of credit management system of rural commercial banks in G city, the author asks the business personnel about the specific operation process in the credit process, and analyzes the data of the credit system. The existing problems, such as the imperfect credit risk management system, the imperfect implementation of the system, the lack of high-quality credit management team and the unreasonable credit structure, are pointed out in the cases of credit risk in the past. There are some defects in credit risk identification and warning system. In view of these problems, the paper deeply analyzes the reasons behind credit risk, including the bad credit environment, asymmetric information, local administrative intervention and other external reasons, as well as the negligence of credit process management, the imperfect system and system. Credit culture construction blank and other internal reasons. Finally, the paper puts forward some operable suggestions on the problems found before: speeding up the complete risk management system of China Construction Bank, perfecting the risk warning mechanism, paying attention to the training of professional skills and moral quality of credit personnel, and so on. The study on credit risk management of rural commercial banks is helpful to improve the quality of credit assets of banks, promote the development of local economy and build a harmonious society.
【學位授予單位】：青島科技大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.43

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