【摘要】：“三農(nóng)問題”是我國長久存在的一個關(guān)系國計民生重要問題,國家針對“三農(nóng)問題”實行了一系列的政策指引,其中一項就是正確做好金融服務(wù)引導(dǎo)金融機構(gòu)加大農(nóng)村地區(qū)資金投入,解決農(nóng)村地區(qū)融資困難的問題,做好“三農(nóng)貸款”工作。 商業(yè)銀行為了響應(yīng)國家金融扶持“三農(nóng)”的號召普遍加大三農(nóng)金融建設(shè)工作,加大對三農(nóng)范疇的資金投入工作,并規(guī)整成為“三農(nóng)貸款”系列,涵蓋個體服務(wù)以及企業(yè)服務(wù)。在商業(yè)銀行開辟三農(nóng)貸款領(lǐng)域過程中,三農(nóng)經(jīng)濟自然屬性造成的一系列后續(xù)問題接踵而至,“三農(nóng)貸款”以逾期率高,不良率高讓商業(yè)銀行躊躇不前。“三農(nóng)貸款”貸款質(zhì)量差、貸款增速緩慢、貸款風險高以成為癥結(jié),制約著商業(yè)銀行“三農(nóng)貸款”積極有效的發(fā)展。梳理“三農(nóng)貸款”層次、調(diào)整“三農(nóng)貸款”機構(gòu)、優(yōu)化“三農(nóng)貸款”質(zhì)量成了商業(yè)銀行“三農(nóng)貸款”風險管理的重點,并已經(jīng)成為“三農(nóng)貸款”研究的重要方向。 本文即取A銀行B分行為觀測點,從“三農(nóng)貸款”基層工作情況論述,結(jié)合筆者工作實踐經(jīng)驗,總結(jié)“三農(nóng)貸款”在該銀行發(fā)展情況,存在問題以及解決途徑。通過對該銀行數(shù)據(jù)的總結(jié),風險控制手段的歸納,貸款資產(chǎn)質(zhì)量的展現(xiàn),客觀的分析“三農(nóng)貸款”風險的成因,并提出基本的解決方案“三農(nóng)貸款”風險。
[Abstract]:The "three rural issues" are an important issue related to the national economy and the people's livelihood in China for a long time. The state has implemented a series of policy guidelines on the "three rural issues". One of them is to correctly guide financial institutions to increase capital investment in rural areas, solve the problem of financing difficulties in rural areas, and do a good job of "three rural loans". In response to the call of national financial support for agriculture, rural areas and farmers, commercial banks generally increase the financial construction of agriculture, rural areas and farmers, increase the investment in the scope of agriculture, rural areas and farmers, and regularize them into a series of loans for agriculture, rural areas and farmers, covering both individual services and enterprise services. In the process of commercial banks opening up the field of loans for agriculture, rural areas and farmers, a series of follow-up problems caused by the natural attributes of agriculture, rural areas and farmers have followed one after another. The "three rural loans" have a high overdue rate and a high bad rate makes commercial banks hesitant. The loan quality of "three rural loans" is poor, the loan growth rate is slow, the loan risk is high to become the crux of the problem, which restricts the positive and effective development of the "three rural loans" of commercial banks. Combing the level of "three rural loans", adjusting the organization of "three rural loans" and optimizing the quality of "three rural loans" have become the key points of risk management in the "three rural loans" of commercial banks, and have become an important direction in the study of "three rural loans". This paper takes B branch of Bank A as the observation point, discusses the basic work situation of "three rural loans" and combines the author's practical experience, summarizes the development situation, existing problems and solutions of the "three rural loans" in this bank. Through the summary of the bank data, risk control means, loan asset quality, objective analysis of the "three rural loans" risk causes, and put forward a basic solution "three rural loans" risk.
【學(xué)位授予單位】：廣西大學(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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