本文選題：農(nóng)村合作銀行　切入點(diǎn)：信貸風(fēng)險(xiǎn)管理　出處：《天津大學(xué)》2013年碩士論文

【摘要】：農(nóng)村合作銀行的信貸風(fēng)險(xiǎn)管理，廣義上指農(nóng)村合作銀行運(yùn)用各種手段（經(jīng)濟(jì)手段、行政手段、法律手段等）對(duì)信貸活動(dòng)實(shí)施的管理活動(dòng)。它是農(nóng)村合作銀行業(yè)務(wù)管理的重要內(nèi)容。信貸風(fēng)險(xiǎn)管理是否科學(xué)有效直接掛鉤于農(nóng)村合作銀行的貸款質(zhì)量和經(jīng)濟(jì)效益。在現(xiàn)今經(jīng)濟(jì)改革的大環(huán)境下，農(nóng)村合作銀行如何正常運(yùn)作信貸資金并處理好信貸資金運(yùn)作過(guò)程中的種種經(jīng)濟(jì)關(guān)系，在風(fēng)險(xiǎn)中避免風(fēng)險(xiǎn)、減少風(fēng)險(xiǎn)以取得較大盈利，這些都是農(nóng)村合作銀行經(jīng)營(yíng)過(guò)程中必須直面的幾個(gè)問(wèn)題。為此，科學(xué)地認(rèn)識(shí)和掌握信貸風(fēng)險(xiǎn)管理的職能、內(nèi)容和理論，是提高農(nóng)村合作銀行信貸風(fēng)險(xiǎn)管理水平的關(guān)鍵，也是探索社會(huì)主義市場(chǎng)經(jīng)濟(jì)條件下農(nóng)村合作銀行信貸風(fēng)險(xiǎn)管理改革的基礎(chǔ)。 自2003年中國(guó)第一家農(nóng)村合作銀行——寧波鄞州農(nóng)村合作銀行成立以來(lái)，在全國(guó)范圍內(nèi)，農(nóng)村合作銀行得到了迅速發(fā)展。經(jīng)過(guò)十年的改革實(shí)踐，農(nóng)村合作銀行普遍對(duì)促進(jìn)當(dāng)?shù)剞r(nóng)村經(jīng)濟(jì)發(fā)展，有效服務(wù)“三農(nóng)”，維護(hù)社會(huì)穩(wěn)定發(fā)揮了不可替代的作用，積累了不少有益的經(jīng)驗(yàn)。同時(shí)，由于農(nóng)村合作銀行有“合作”的性質(zhì)，在實(shí)際的信貸經(jīng)營(yíng)活動(dòng)中也出現(xiàn)了許多發(fā)展中的問(wèn)題。有效提高農(nóng)村合作銀行的信貸風(fēng)險(xiǎn)管理水平，已是從整體上保證農(nóng)村合作銀行可持續(xù)發(fā)展的重要途徑。 鑒于浙江省是中國(guó)民營(yíng)經(jīng)濟(jì)結(jié)構(gòu)最為典型，農(nóng)村合作銀行發(fā)展最為成熟地區(qū)的實(shí)際情況，本文選取了浙江麗水市蓮都農(nóng)村合作銀行為樣本，借助金融學(xué)、管理學(xué)、發(fā)展經(jīng)濟(jì)學(xué)等理論，從管控基本原則、業(yè)務(wù)流程、激勵(lì)約束機(jī)制等方面，對(duì)其信貸風(fēng)險(xiǎn)管理控制體系設(shè)計(jì)狀況進(jìn)行較為全面的動(dòng)態(tài)比較研究，并據(jù)此給出相應(yīng)的解決方案。以期此研究成果對(duì)今后有關(guān)中國(guó)農(nóng)村合作銀行信貸風(fēng)險(xiǎn)管理研究具有一定的借鑒作用。
[Abstract]:The credit risk management of rural cooperative bank, in a broad sense, refers to the use of various means (economic means, administrative means) by rural cooperative banks, It is an important content of the management of rural cooperative bank business. Whether the management of credit risk is scientific and effective is directly linked to the loan quality and economic benefit of rural cooperative bank. In the present environment of economic reform, How the rural cooperative bank can normally operate the credit fund and deal with all kinds of economic relations in the process of the operation of the credit fund, avoid the risk in the risk, reduce the risk in order to make a great profit, These are some problems that must be faced directly in the process of rural cooperative bank operation. Therefore, it is the key to improve the level of credit risk management of rural cooperative bank to understand and master the function, content and theory of credit risk management scientifically. It is also the foundation of the credit risk management reform of rural cooperative bank under the condition of socialist market economy. Since the establishment of Ningbo Yinzhou Rural Cooperative Bank, the first rural cooperative bank in China in 2003, the rural cooperative bank has developed rapidly throughout the country. Rural cooperative banks have generally played an irreplaceable role in promoting the development of the local rural economy, effectively serving the "three rural areas" and maintaining social stability, and accumulated a lot of useful experience. At the same time, since the rural cooperative banks have the nature of "cooperation", There are also many problems in the development of the actual credit management activities. It is an important way to ensure the sustainable development of rural cooperative banks to effectively improve the credit risk management level of rural cooperative banks. In view of the fact that Zhejiang Province is the most typical private economy in China and the rural cooperative bank is the most mature area, this paper selects Liandu Rural Cooperative Bank of Lishui City, Zhejiang Province, as a sample, with the aid of finance, management, Based on the theory of development economics, this paper makes a comprehensive and dynamic comparative study on the design of credit risk management and control system from the aspects of basic principles of management and control, business process, incentive and restraint mechanism, etc. Based on this, the corresponding solutions are given, which can be used for reference in the future research on credit risk management of Rural Cooperative Bank of China (RCCB).
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.35;F832.4

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