本文關(guān)鍵詞：內(nèi)蒙古農(nóng)發(fā)行商業(yè)性貸款風(fēng)險及其防范對策研究　出處：《內(nèi)蒙古農(nóng)業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：銀行業(yè)是一個高風(fēng)險行業(yè)，農(nóng)業(yè)政策性銀行也是如此。本文以內(nèi)蒙古農(nóng)業(yè)發(fā)展銀行（以下簡稱內(nèi)蒙古農(nóng)發(fā)行）商業(yè)性貸款風(fēng)險管理為研究課題，旨在探索社會主義市場經(jīng)濟(jì)條件下，農(nóng)業(yè)發(fā)展銀行如何在執(zhí)行好國家有關(guān)政策的前提下，有效防控和化解近年來新開辦的商業(yè)性貸款風(fēng)險。 本文圍繞商業(yè)性貸款風(fēng)險管理這一主線，主要研究和論述了以下四個方面的問題。一是闡述了內(nèi)蒙古農(nóng)發(fā)行的成立背景和基本信貸職能。二是站在從農(nóng)業(yè)政策性銀行的視角，參照國際上對信貸風(fēng)險的通用分類標(biāo)準(zhǔn)，聯(lián)系內(nèi)蒙古農(nóng)發(fā)行商業(yè)性貸款業(yè)務(wù)實(shí)際，分析了內(nèi)蒙古農(nóng)發(fā)行商業(yè)性貸款風(fēng)險的一般分類、主要表現(xiàn)及基本特征。三是重點(diǎn)研究了內(nèi)蒙古農(nóng)發(fā)行商業(yè)性貸款的脆弱性問題。四是從銀行風(fēng)險管理的一般策略入手，站在農(nóng)發(fā)行整體作為統(tǒng)一法人的角度，提出內(nèi)蒙古農(nóng)發(fā)行商業(yè)性貸款風(fēng)險防范對策的研究。主要包括以下三個方面：首先，加強(qiáng)農(nóng)業(yè)宏觀調(diào)控，盡可能地減少農(nóng)業(yè)弱質(zhì)性對銀行信貸資金的負(fù)面影響，是規(guī)避農(nóng)發(fā)行商業(yè)性貸款風(fēng)險的重要途徑；其次，，內(nèi)蒙古農(nóng)發(fā)行開辦的商業(yè)性貸款業(yè)務(wù)是在政策界定的業(yè)務(wù)范圍內(nèi)開展信貸活動，與商業(yè)性金融機(jī)構(gòu)相比，對外部經(jīng)營環(huán)境具有高度的依賴性，優(yōu)化農(nóng)發(fā)行的外部經(jīng)營環(huán)境，是防范和控制商業(yè)性貸款風(fēng)險的重要一環(huán)；現(xiàn)代銀行的內(nèi)控機(jī)制是防控風(fēng)險的重要手段，農(nóng)發(fā)行整個系統(tǒng)包括內(nèi)蒙古農(nóng)發(fā)行防范和控制商業(yè)性貸款風(fēng)險，也需要從完善內(nèi)部控制入手，尋求治理對策。
[Abstract]:The banking industry is a high-risk industry, and so is the agricultural policy bank. This paper focuses on the commercial loan risk management of the Agricultural Development Bank of Inner Mongolia (hereinafter referred to as the Agricultural Development Bank of Inner Mongolia). The purpose of this paper is to explore how the Agricultural Development Bank can effectively prevent and control the risks of newly established commercial loans in recent years on the premise of carrying out the relevant policies of the state under the condition of socialist market economy. This paper focuses on the main line of commercial loan risk management. This paper mainly studies and discusses the following four aspects: first, the background of the establishment of the Agricultural Development Bank of Inner Mongolia and the basic credit function; second, standing from the perspective of agricultural policy banks. Referring to the international general classification standard of credit risk, this paper analyzes the general classification of commercial loan risk of Agricultural Development Bank of Inner Mongolia in light of the actual situation of commercial loan business of Agricultural Development Bank of Inner Mongolia. The main performance and basic characteristics. The third is to focus on the vulnerability of commercial loans of the Agricultural Development Bank of Inner Mongolia. Fourth, from the general risk management strategy of the bank, standing in the perspective of the Agricultural Development Bank as a unified legal person. Put forward the Inner Mongolia Agricultural Development Bank commercial loan risk prevention measures. Mainly includes the following three aspects: first, strengthen the macro-control of agriculture, as far as possible to reduce the negative impact of agricultural weakness on bank credit funds. It is an important way to avoid the commercial loan risk of Agricultural Development Bank; Secondly, the commercial loan business started by Agricultural Development Bank of Inner Mongolia is to carry out credit activities within the scope of business defined by the policy. Compared with commercial financial institutions, it has a high degree of dependence on the external business environment. Optimizing the external operating environment of Agricultural Development Bank is an important part of preventing and controlling the risk of commercial loans. The internal control mechanism of the modern bank is an important means of preventing and controlling risks. The whole system of Agricultural Development Bank of Inner Mongolia, including the Agricultural Development Bank of Inner Mongolia, should prevent and control the commercial loan risk.
【學(xué)位授予單位】：內(nèi)蒙古農(nóng)業(yè)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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