本文選題：農(nóng)發(fā)行　切入點(diǎn)：土地整治貸款　出處：《吉林大學(xué)》2013年碩士論文

【摘要】：土地整治關(guān)系到農(nóng)民生活、農(nóng)業(yè)生產(chǎn)和農(nóng)村發(fā)展，做好土地整治工作更是解決好“三農(nóng)”問(wèn)題的重中之重。隨著農(nóng)業(yè)生產(chǎn)發(fā)展和農(nóng)民生活水平的提高，農(nóng)村城鎮(zhèn)化進(jìn)程加快，當(dāng)前土地整治工作已經(jīng)進(jìn)入一個(gè)新的階段，隨之而來(lái)的土地整治項(xiàng)目貸款的風(fēng)險(xiǎn)問(wèn)題也逐漸顯露出來(lái)。事實(shí)上，土地整治項(xiàng)目貸款風(fēng)險(xiǎn)是客觀存在的，我們所能做的就是通過(guò)主觀努力去控制它。因此，拓展業(yè)務(wù)與防控風(fēng)險(xiǎn)已經(jīng)成為農(nóng)發(fā)行延邊州分行業(yè)經(jīng)營(yíng)管理不可分割的兩個(gè)主要方面。 農(nóng)業(yè)發(fā)展銀行在建立現(xiàn)代銀行的過(guò)程中，金融產(chǎn)品不斷增加、金融服務(wù)手段日趨現(xiàn)代化，與之相伴的經(jīng)營(yíng)風(fēng)險(xiǎn)，主要是貸款風(fēng)險(xiǎn)也逐步增多，土地整治項(xiàng)目貸款風(fēng)險(xiǎn)的表現(xiàn)尤為突出。其風(fēng)險(xiǎn)原因是多方面的，如政策變化、承貸主體信用缺失、市場(chǎng)變化、銀行管理不善、操作失誤、決策偏差等等。因此，對(duì)農(nóng)發(fā)行土地整治項(xiàng)目貸款風(fēng)險(xiǎn)控制進(jìn)行研究具有非常現(xiàn)實(shí)和深遠(yuǎn)的意義，農(nóng)發(fā)行必須遵循現(xiàn)代銀行業(yè)經(jīng)營(yíng)管理的內(nèi)在規(guī)律，，切實(shí)注意拓展業(yè)務(wù)與控制風(fēng)險(xiǎn)的均衡性。 本文運(yùn)用理論分析與實(shí)證分析相結(jié)合的方法，對(duì)農(nóng)發(fā)行延邊州分行土地整治項(xiàng)目貸款風(fēng)險(xiǎn)控制的全過(guò)程進(jìn)行研究，分別討論了土地整治項(xiàng)目貸款的風(fēng)險(xiǎn)識(shí)別、評(píng)估、檢測(cè)和控制。本文在結(jié)構(gòu)上共分四章，第一章闡述了研究背景、研究意義，研究思路及方法，對(duì)全文進(jìn)行概括性說(shuō)明；第二章通過(guò)分析土地整治項(xiàng)目貸款現(xiàn)狀，對(duì)風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)評(píng)估以及風(fēng)險(xiǎn)控制的基本概念進(jìn)行說(shuō)明，對(duì)引起項(xiàng)目貸款風(fēng)險(xiǎn)的物質(zhì)和人為因素進(jìn)行了歸類總結(jié)，并由此討論了引發(fā)農(nóng)發(fā)行延邊州分行土地整治項(xiàng)目貸款風(fēng)險(xiǎn)的主要原因。項(xiàng)目貸款風(fēng)險(xiǎn)控制的內(nèi)容涵蓋了從項(xiàng)目貸款風(fēng)險(xiǎn)識(shí)別、估測(cè)、評(píng)價(jià)到風(fēng)險(xiǎn)應(yīng)對(duì)的全過(guò)程，是一個(gè)從定性評(píng)價(jià)到定量測(cè)度，從認(rèn)識(shí)風(fēng)險(xiǎn)到規(guī)避風(fēng)險(xiǎn)和控制風(fēng)險(xiǎn)的全過(guò)程；第三章從土地整治貸款風(fēng)險(xiǎn)評(píng)估指標(biāo)設(shè)計(jì)、業(yè)務(wù)流程步驟設(shè)計(jì)以及風(fēng)險(xiǎn)控制三個(gè)方面闡述了農(nóng)發(fā)行延邊州分行土地整治項(xiàng)目貸款的風(fēng)險(xiǎn)控制設(shè)計(jì)情況；第四章提出農(nóng)發(fā)行延邊州分行土地整治項(xiàng)目貸款風(fēng)險(xiǎn)控制的具體保障和措施，首先，完善土地整治貸款評(píng)估制度設(shè)計(jì)，主要包括健全貸款風(fēng)險(xiǎn)預(yù)警體系及相關(guān)的責(zé)任制度，促進(jìn)農(nóng)業(yè)政策性金融的制度建設(shè)。其次，建立土地整治項(xiàng)目的貸款風(fēng)險(xiǎn)評(píng)估監(jiān)控機(jī)制，主要包括加強(qiáng)貸款的風(fēng)險(xiǎn)內(nèi)部控制與項(xiàng)目環(huán)節(jié)的監(jiān)控，加強(qiáng)農(nóng)發(fā)行項(xiàng)目貸款風(fēng)險(xiǎn)監(jiān)控的創(chuàng)新。最后，建立相關(guān)部門的協(xié)調(diào)機(jī)制，包括設(shè)置獨(dú)立的風(fēng)險(xiǎn)管理組織機(jī)構(gòu)、建立完善的技術(shù)研發(fā)體系、完善農(nóng)發(fā)行和承貸主體及相關(guān)政府部門的合作機(jī)制、加強(qiáng)銀行內(nèi)部信貸人員的隊(duì)伍建設(shè)等。
[Abstract]:Land regulation relates to the life of farmers, agricultural production and rural development. It is the most important task to solve the problems of "agriculture, countryside and farmers". With the development of agricultural production and the improvement of farmers' living standards, the process of urbanization in rural areas is accelerated. At present, the land renovation work has entered a new stage, and the subsequent risks of loans for land renovation projects have gradually become apparent. In fact, the risks of loans for land renovation projects are objectively present. All we can do is to control it through subjective efforts. Therefore, expansion of business and prevention and control of risks have become two inseparable aspects of the sub-industry management in Yanbian Prefecture of Agricultural Development Bank. In the course of establishing the modern bank, the agricultural development bank, with the increasing of financial products and the modernization of the means of financial service, the management risks associated with them, mainly the risk of loans, are also gradually increasing. The risk of land renovation project is especially outstanding. The risk reasons are various, such as policy change, credit loss of the principal part of the loan, market change, poor bank management, operation error, decision deviation and so on. It is of great practical and far-reaching significance to study the loan risk control of the land renovation project of Agricultural Development Bank. The Agricultural Development Bank must follow the internal rules of modern banking management and pay attention to the balance between expanding business and controlling risks. In this paper, the whole process of loan risk control of land regulation project in Yanbian Branch of Agricultural Development Bank is studied by combining theoretical analysis with empirical analysis, and the risk identification and evaluation of land renovation project loan are discussed respectively. This paper is divided into four chapters in structure. The first chapter describes the research background, research significance, research ideas and methods, and gives a general description of the full text. The basic concepts of risk assessment and risk control are explained, and the material and human factors that cause project loan risk are classified and summarized. The main reasons for the loan risk of the land regulation project in Yanbian Branch of Agricultural Development Bank are discussed. The content of project loan risk control covers the whole process from project loan risk identification, estimation, evaluation to risk response. It is a whole process from qualitative evaluation to quantitative measurement, from understanding risk to avoiding risk and controlling risk. This paper expounds the risk control design of the land regulation project loan in Yanbian Branch of Agricultural Development Bank from three aspects of business process step design and risk control. The fourth chapter puts forward the concrete guarantee and measures of loan risk control in Yanbian Branch of Agricultural Development Bank. First of all, improve the design of loan evaluation system for land renovation, mainly including the improvement of loan risk warning system and related liability system. Secondly, to establish the monitoring mechanism of loan risk assessment for land renovation projects, mainly including strengthening the internal control of loan risk and the monitoring of project links. Finally, establish the coordination mechanism of relevant departments, including the establishment of independent risk management organization, establish a sound technology research and development system, To perfect the cooperative mechanism of the main bodies and relevant government departments of the Agricultural Development Bank and the loan, and to strengthen the construction of the credit staff within the bank.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4;F301.2

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