本文選題：農(nóng)村商業(yè)銀行 + 信貸風(fēng)險(xiǎn)��； 參考：《青島科技大學(xué)》2017年碩士論文

【摘要】：農(nóng)村商業(yè)銀行前身是農(nóng)村信用社,在沒有改制之前,農(nóng)村商業(yè)銀行的市場(chǎng)定位就是服務(wù)三農(nóng),立足當(dāng)?shù)剞r(nóng)村、農(nóng)業(yè)、農(nóng)民發(fā)展,兼顧農(nóng)村地區(qū)與城區(qū)兩大服務(wù)主體,承擔(dān)著支持地方經(jīng)濟(jì)發(fā)展的重任,為地方三農(nóng)建設(shè)、中小微企業(yè)發(fā)展提供雄厚的資金后盾,為地方社會(huì)穩(wěn)定、經(jīng)濟(jì)改革發(fā)展做出了巨大貢獻(xiàn),對(duì)整個(gè)社會(huì)的和諧發(fā)展起到了十分重要的作用。近幾年,農(nóng)村商業(yè)銀行發(fā)展勢(shì)頭迅猛,取得了不小的成績(jī),但是暴露的問題、存在的風(fēng)險(xiǎn)也越來越多。信貸風(fēng)險(xiǎn)是商業(yè)銀行所面臨的最重要的風(fēng)險(xiǎn)形式之一,加強(qiáng)信貸風(fēng)險(xiǎn)管理也成為所有商業(yè)銀行風(fēng)險(xiǎn)管理的重要組成部分。本文主要結(jié)合以往信貸風(fēng)險(xiǎn)管理的經(jīng)驗(yàn)結(jié)論,對(duì)G市農(nóng)村商業(yè)銀行信貸風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行分析研究。通過分析G市農(nóng)村商業(yè)銀行的信貸管理體系的構(gòu)成、信貸管理制度的建設(shè)等情況,詢問業(yè)務(wù)人員在信貸過程中的具體操作流程,結(jié)合信貸系統(tǒng)數(shù)據(jù)的分析、以往發(fā)生的信貸風(fēng)險(xiǎn)案例等,指出存在的問題,比如信貸風(fēng)險(xiǎn)管理體系不完善、制度執(zhí)行不嚴(yán)格、高素質(zhì)信貸管理隊(duì)伍缺失、信貸結(jié)構(gòu)不合理、信貸風(fēng)險(xiǎn)識(shí)別預(yù)警體系存在缺陷等。針對(duì)這些問題,深入分析信貸風(fēng)險(xiǎn)背后的原因,包括信用環(huán)境惡劣、信息不對(duì)稱、地方行政干預(yù)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(shè)空白等內(nèi)部原因。最后針對(duì)前面發(fā)現(xiàn)的問題提出可操作性的意見建議:加快建設(shè)銀行完整的風(fēng)險(xiǎn)管理體系、完善風(fēng)險(xiǎn)預(yù)警機(jī)制、注重信貸人員的業(yè)務(wù)技能培訓(xùn)道德素質(zhì)培養(yǎng)等等。對(duì)農(nóng)村商業(yè)銀行信貸風(fēng)險(xiǎn)管理的研究,有利于提高銀行本身信貸資產(chǎn)的質(zhì)量,促進(jìn)地方經(jīng)濟(jì)的發(fā)展、構(gòu)建和諧社會(huì)。
[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(xué)位授予單位】：青島科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 溫泉;;農(nóng)村商業(yè)銀行信貸風(fēng)險(xiǎn)防控研究——以A市信貸管理為例[J];經(jīng)濟(jì)研究導(dǎo)刊;2016年04期

2 陳立杰;王丹丹;;商業(yè)銀行信貸風(fēng)險(xiǎn)專業(yè)化管理體系的構(gòu)建與完善[J];區(qū)域金融研究;2015年08期

3 邱雨薇;;商業(yè)銀行信貸風(fēng)險(xiǎn)管理問題和對(duì)策研究[J];知識(shí)經(jīng)濟(jì);2014年23期

4 張昕;;我國(guó)商業(yè)銀行公司信貸風(fēng)險(xiǎn)管理的行業(yè)思維[J];現(xiàn)代經(jīng)濟(jì)信息;2014年03期

5 鐘永紅;;商業(yè)銀行核心資本充足率影響因素實(shí)證分析[J];國(guó)際金融研究;2014年01期

6 伍鐵林;;商業(yè)銀行信貸業(yè)務(wù)風(fēng)險(xiǎn)控制研究[J];中小企業(yè)管理與科技(上旬刊);2014年01期

7 余敏;;農(nóng)村商業(yè)銀行流程中信貸風(fēng)險(xiǎn)控制[J];中外企業(yè)家;2013年27期

8 劉龍;;農(nóng)村商業(yè)銀行風(fēng)險(xiǎn)管理存在的問題及對(duì)策分析[J];時(shí)代金融;2013年27期

9 李燁;徐潤(rùn);陳媛;;基于內(nèi)部審計(jì)視角的農(nóng)商行信貸風(fēng)險(xiǎn)管理研究[J];中國(guó)市場(chǎng);2013年33期

10 余迪;;新形勢(shì)下銀行信貸風(fēng)險(xiǎn)管理問題的研究[J];金融經(jīng)濟(jì);2012年18期

，

本文編號(hào)：2081315