【摘要】：隨著國內(nèi)外金融監(jiān)管標(biāo)準(zhǔn)的提高及國家對農(nóng)村金融支持力度的加大，農(nóng)業(yè)政策性銀行對其面臨的信貸風(fēng)險(xiǎn)進(jìn)行有效防范和化解勢在必行。通過積極主動地對信貸風(fēng)險(xiǎn)進(jìn)行管理，不僅可以確保國家宏觀經(jīng)濟(jì)調(diào)控政策的順利執(zhí)行，而且也可以提高農(nóng)業(yè)政策性銀行信貸資產(chǎn)質(zhì)量，促進(jìn)農(nóng)業(yè)政策性銀行持續(xù)健康發(fā)展。 本文從農(nóng)業(yè)政策性銀行信貸概念入手，分析了農(nóng)業(yè)政策性銀行信貸風(fēng)險(xiǎn)的特征。相較于商業(yè)銀行，農(nóng)業(yè)政策性銀行信貸風(fēng)險(xiǎn)具有以政策性風(fēng)險(xiǎn)為主、信貸風(fēng)險(xiǎn)集中的特征。在借鑒國外農(nóng)業(yè)政策性銀行信貸風(fēng)險(xiǎn)管理經(jīng)驗(yàn)的基礎(chǔ)上，針對內(nèi)蒙古農(nóng)發(fā)行糧油類貸款信貸風(fēng)險(xiǎn)管理存在的糧食收購貸款條件管理不完善、糧油類貸款貸后監(jiān)管不到位、糧油類貸款信貸風(fēng)險(xiǎn)防控制度不完善及隊(duì)伍建設(shè)與信貸業(yè)務(wù)發(fā)展不適應(yīng)等問題，對內(nèi)蒙古農(nóng)發(fā)行糧油類貸款信貸風(fēng)險(xiǎn)管理提出四大建議：第一，在堅(jiān)持保優(yōu)不保劣原則及加強(qiáng)貸前盡職調(diào)查前提下，通過建立戰(zhàn)略性糧油優(yōu)質(zhì)客戶群嚴(yán)格把握糧食收購貸款條件；第二，提高糧油類貸款貸后監(jiān)查意識，并結(jié)合糧油類不良貸款檔案管理制度與糧油銷售情況監(jiān)測體系，強(qiáng)化糧油類貸款貸后監(jiān)查力度；第三，在清晰明確糧油類貸款風(fēng)險(xiǎn)管理責(zé)任及完善信貸擔(dān)保風(fēng)險(xiǎn)管理機(jī)制的基礎(chǔ)上，進(jìn)一步完善糧油類貸款信貸風(fēng)險(xiǎn)防控機(jī)制；第四，以提升員工素質(zhì)與提高人力資源效能為出發(fā)點(diǎn)，，通過推進(jìn)信貸風(fēng)險(xiǎn)管理文化建設(shè)及完善績效考核制度，加強(qiáng)內(nèi)蒙古農(nóng)發(fā)行信貸隊(duì)伍建設(shè)。
[Abstract]:With the improvement of financial supervision standards at home and abroad and the increase of state support for rural finance, it is imperative for agricultural policy banks to effectively prevent and resolve the credit risks they face. By actively managing credit risks, we can not only ensure the smooth implementation of national macroeconomic control policies, but also improve the quality of credit assets of agricultural policy banks and promote the sustainable and healthy development of agricultural policy banks. Starting with the concept of agricultural policy bank credit, this paper analyzes the characteristics of credit risk of agricultural policy bank. Compared with commercial bank, the credit risk of agricultural policy bank is mainly policy risk and the credit risk is concentrated. Based on the experience of credit risk management of foreign agricultural policy banks, in view of the grain and oil credit risk management of Inner Mongolia Agricultural Development Bank, the condition management of grain purchase loan is not perfect, and the supervision of grain and oil loan after loan is not in place. Four suggestions on credit risk management of grain and oil loan in Inner Mongolia are put forward, such as the imperfect system of prevention and control of credit risk of grain and oil loans and the incompatibility between the construction of ranks and the development of credit business, to the credit risk management of grain and oil loans in Inner Mongolia Agricultural Bank. On the premise of adhering to the principle of ensuring excellent quality and not protecting inferior quality and strengthening due diligence before loan, we should strictly grasp the loan conditions of grain acquisition by establishing a strategic customer group of high quality grain and oil. Second, we should improve the consciousness of supervision and inspection after grain and oil loans, and strengthen the supervision and inspection efforts after grain and oil loans combined with the management system of grain and oil non-performing loans and the monitoring system of grain and oil sales. Thirdly, on the basis of clearly clarifying the risk management responsibility of grain and oil loans and perfecting the risk management mechanism of credit guarantee, the mechanism of prevention and control of credit risks of grain and oil loans is further improved. Fourth, in order to improve the quality of the staff and improve the efficiency of human resources as the starting point, through promoting the construction of credit risk management culture and improving the performance appraisal system, strengthen the construction of the credit team of the Agricultural Development Bank of Inner Mongolia.
【學(xué)位授予單位】：湖南大學(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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