本文關(guān)鍵詞：中國農(nóng)業(yè)發(fā)展銀行吉林市分行信貸資產(chǎn)質(zhì)量提升研究　出處：《吉林大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 信貸資產(chǎn)質(zhì)量 信貸風(fēng)險(xiǎn) 內(nèi)部控制

【摘要】：農(nóng)業(yè)在我國的國民經(jīng)濟(jì)體系中所占的比重較大，是我國的基礎(chǔ)性產(chǎn)業(yè)。而且，“三農(nóng)”問題歷來都是我國非常關(guān)注的重大問題。由于農(nóng)業(yè)生產(chǎn)對于自然條件的依賴性較大，因此其生產(chǎn)經(jīng)營存在一定的弱質(zhì)性，而且農(nóng)業(yè)的生產(chǎn)周期相對較長，農(nóng)業(yè)投資相對而言收益較低且風(fēng)險(xiǎn)較大，因此，一般性的商業(yè)金融機(jī)構(gòu)不愿意將資金投放到農(nóng)業(yè)生產(chǎn)領(lǐng)域中來，農(nóng)業(yè)生產(chǎn)中的資金缺口就必然需要由政策性金融填補(bǔ)。中國農(nóng)業(yè)發(fā)展銀行是我國唯一的農(nóng)業(yè)政策性金融機(jī)構(gòu)，在我國農(nóng)業(yè)開發(fā)和農(nóng)村經(jīng)濟(jì)發(fā)展、糧棉油等大宗農(nóng)產(chǎn)品流通以及社會主義新農(nóng)村建設(shè)等涉農(nóng)領(lǐng)域，起到了巨大的扶持和引導(dǎo)作用。農(nóng)業(yè)發(fā)展銀行為我國唯一的農(nóng)業(yè)的政策性金融機(jī)構(gòu)，隨著我國市場經(jīng)濟(jì)改革的深化以及農(nóng)業(yè)發(fā)展銀行自身業(yè)務(wù)的不斷調(diào)整，農(nóng)業(yè)發(fā)展銀行的業(yè)務(wù)范圍已經(jīng)由單純的政策性信貸業(yè)務(wù)向包括商業(yè)信貸業(yè)務(wù)在內(nèi)的綜合性業(yè)務(wù)轉(zhuǎn)變。在此背景下，有效管理信貸風(fēng)險(xiǎn)、提升信貸資產(chǎn)質(zhì)量是農(nóng)業(yè)發(fā)展銀行未來發(fā)展必須面對的問題。 吉林市所處的東北地區(qū)是我國商品量的主要產(chǎn)區(qū)，農(nóng)業(yè)是全市國民經(jīng)濟(jì)的基礎(chǔ)性產(chǎn)業(yè)。但是，改革開放后吉林市的整體經(jīng)濟(jì)發(fā)展相對滯后于沿海發(fā)達(dá)地區(qū)，，受地方整體經(jīng)濟(jì)發(fā)展水平的限制，全市的農(nóng)業(yè)和農(nóng)村信貸資金嚴(yán)重短缺，這也成為全市農(nóng)業(yè)發(fā)展和農(nóng)民增收的主要制約因素。受農(nóng)業(yè)本身性質(zhì)和地區(qū)經(jīng)濟(jì)環(huán)境的影響，商業(yè)性金融機(jī)構(gòu)對吉林市農(nóng)業(yè)和農(nóng)村經(jīng)濟(jì)的支持相對缺失，尤其是在農(nóng)村基礎(chǔ)設(shè)施建設(shè)、農(nóng)業(yè)生產(chǎn)基地開發(fā)、生態(tài)環(huán)境治理、農(nóng)業(yè)水土保持等方面，商業(yè)性金融機(jī)構(gòu)投資意愿很小，因此需要吉林市農(nóng)業(yè)發(fā)展銀行的政策性金融支持。1996年6月，吉林市農(nóng)業(yè)發(fā)展銀行正式成立，其最初的業(yè)務(wù)范圍僅僅是單純的“涉糧”，經(jīng)過幾十年的發(fā)展其業(yè)務(wù)范圍開始全面的“涉農(nóng)”，并逐步拓展商業(yè)性的中間性業(yè)務(wù)。隨著吉林市農(nóng)發(fā)行支農(nóng)作用的明顯增強(qiáng)以及業(yè)務(wù)范圍的不斷擴(kuò)張，信貸業(yè)務(wù)中存在的一些問題也在逐漸暴露出來，尤其是其所面臨的信貸風(fēng)險(xiǎn)開始增加。因此，提升信貸資產(chǎn)質(zhì)量、實(shí)現(xiàn)政策性與商業(yè)性信貸業(yè)務(wù)健康發(fā)展，是吉林市農(nóng)發(fā)行面臨的重要課題。 本文梳理了吉林市農(nóng)業(yè)發(fā)展銀行成立的背景、發(fā)展的歷程、主要的業(yè)務(wù)范圍以及對吉林市農(nóng)業(yè)發(fā)展的支持作用，通過不良貸款規(guī)模和不良率分析吉林市農(nóng)發(fā)行信貸資產(chǎn)質(zhì)量現(xiàn)狀、信貸資產(chǎn)質(zhì)量存在的問題以及產(chǎn)生問題的內(nèi)部和外部原因，最后對吉林市農(nóng)業(yè)發(fā)展銀行信貸資產(chǎn)質(zhì)量管理的方案進(jìn)行了合理的設(shè)計(jì)并提出了實(shí)施的具體改進(jìn)措施。
[Abstract]:Agriculture occupies a large proportion in the national economic system of our country, and it is the basic industry of our country. The issue of "agriculture, countryside and farmers" has always been a major issue of great concern in our country. Due to the dependence of agricultural production on natural conditions, there is a certain degree of weakness in the production and management of agricultural production. And the agricultural production cycle is relatively long, agricultural investment relatively low returns and higher risk, therefore, the general commercial financial institutions are not willing to invest funds in the field of agricultural production. The fund gap in agricultural production must be filled by policy-oriented finance. The Agricultural Development Bank of China is the only agricultural policy-oriented financial institution in China. The circulation of large agricultural products, such as grain, cotton and oil, and the construction of a new socialist countryside have played a huge role in supporting and guiding the agricultural sector. The Agricultural Development Bank is the only agricultural policy financial institution in China. With the deepening of China's market economy reform and the continuous adjustment of agricultural development bank's own business. The business scope of Agricultural Development Bank has changed from pure policy credit business to comprehensive business including commercial credit business. In this context, credit risk is effectively managed. Improving the quality of credit assets is a problem that the Agricultural Development Bank must face in the future. The northeast region of Jilin City is the main commodity production area in China, and agriculture is the basic industry of the national economy of the whole city. However, the overall economic development of Jilin City lags behind the developed coastal areas after the reform and opening up. Limited by the overall level of local economic development, the city's agricultural and rural credit funds are seriously short. Due to the nature of agriculture and the regional economic environment, the support of commercial financial institutions to Jilin's agriculture and rural economy is relatively lacking. Especially in rural infrastructure construction, agricultural production base development, ecological environment management, agricultural soil and water conservation, commercial financial institutions have little desire to invest. In June 1996, Jilin City Agricultural Development Bank was formally established, its initial business scope is only a simple "grain related". After decades of development, the scope of its business began to comprehensive "agriculture-related", and gradually expand the commercial intermediate business. With the obvious enhancement of agricultural support role of Jilin City Agricultural Development Bank and the continuous expansion of the scope of business. Some problems in credit business are also gradually exposed, especially the credit risk is increasing. Therefore, to improve the quality of credit assets, realize the healthy development of policy and commercial credit business. Jilin City Agricultural Development Bank is facing an important subject. This paper combs the background of the establishment of Jilin City Agricultural Development Bank, the course of development, the main business scope and the role of supporting the agricultural development of Jilin City. Through the non-performing loan scale and the bad rate analysis Jilin City Agricultural Development Bank credit asset quality present situation, the credit asset quality existence question and produces the question internal and the external reason. Finally, the scheme of credit asset quality management of Jilin Agricultural Development Bank is designed reasonably and the concrete improvement measures are put forward.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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