本文選題：糧食信貸業(yè)務(wù) + 風(fēng)險(xiǎn)防范�。� 參考：《吉林大學(xué)》2013年碩士論文

【摘要】：近年來(lái)，國(guó)際、國(guó)內(nèi)經(jīng)濟(jì)形勢(shì)錯(cuò)綜復(fù)雜、充滿變數(shù)，糧食價(jià)格上行趨勢(shì)和下行壓力并存，農(nóng)產(chǎn)品受國(guó)際市場(chǎng)影響加大，形勢(shì)復(fù)雜多變，部分農(nóng)發(fā)行白城市分行開(kāi)戶企業(yè)經(jīng)營(yíng)出現(xiàn)困難，資金緊張，效益下滑，個(gè)別企業(yè)參與民間借貸、相互擔(dān)保，出現(xiàn)問(wèn)題引發(fā)連鎖反應(yīng)，放大風(fēng)險(xiǎn)，導(dǎo)致近兩年農(nóng)發(fā)行白城市分行風(fēng)險(xiǎn)貸款頻繁出現(xiàn)，不良貸款余額大幅增加，，給下步改革發(fā)展帶來(lái)極大壓力。面對(duì)嚴(yán)峻的信貸風(fēng)險(xiǎn)防控形勢(shì)，一方面要認(rèn)真研究信貸風(fēng)險(xiǎn)產(chǎn)生的成因，并盡快化解現(xiàn)有不良貸款；同時(shí)要在有效規(guī)避信貸風(fēng)險(xiǎn)的基礎(chǔ)上，積極做好糧油信貸業(yè)務(wù)，充分發(fā)揮政策性銀行扶持“三農(nóng)”的職能作用，上述問(wèn)題已成為農(nóng)發(fā)行白城市分行當(dāng)前急需解決的重要課題。 本文以近幾年農(nóng)發(fā)行白城市分行先后出現(xiàn)的五個(gè)風(fēng)險(xiǎn)貸款為例，從現(xiàn)有風(fēng)險(xiǎn)貸款四種主要表現(xiàn)形式入手,對(duì)每個(gè)案例逐一進(jìn)行認(rèn)真客觀的分析，堅(jiān)持按照理論與實(shí)際相結(jié)合的原則，對(duì)風(fēng)險(xiǎn)貸款產(chǎn)生的主、客觀成因進(jìn)行了認(rèn)真的研究，對(duì)部分風(fēng)險(xiǎn)貸款的成功化解進(jìn)行了詳細(xì)闡述,并有針對(duì)性地提出當(dāng)前及今后一段時(shí)期防范糧油信貸風(fēng)險(xiǎn)、化解不良貸款、杜絕新增風(fēng)險(xiǎn)貸款、提高信貸資金使用效益的具體實(shí)施措施，其中一些具體措施建議已被省分行采納,相信有關(guān)建議及意見(jiàn)會(huì)對(duì)農(nóng)發(fā)行白城市分行下步可持續(xù)發(fā)展帶來(lái)一定的指導(dǎo)意義。
[Abstract]:In recent years, the international and domestic economic situation is complicated and full of variables. The upward trend and downward pressure of grain prices coexist, and the impact of the international market on agricultural products is increased, and the situation is complex and changeable. Some of the enterprises in the Baicheng branch of the Agricultural Development Bank have difficulties in operating their accounts, their funds are tight, and their benefits are declining. Individual enterprises participate in private lending, guarantee each other, causing problems to trigger a chain reaction and amplify the risks. As a result, the risk loans of Baicheng Branch of Agricultural Development Bank appeared frequently in the past two years, and the balance of non-performing loans increased significantly, which brought great pressure to the next step of reform and development. In the face of the severe situation of credit risk prevention and control, on the one hand, we should seriously study the causes of the credit risk, and resolve the existing non-performing loans as soon as possible; at the same time, we should actively do a good job in grain, oil and oil credit business on the basis of effectively avoiding the credit risk. To give full play to the role of policy banks in supporting agriculture, rural areas and farmers, the above problems have become an important issue urgently needed to be solved by the Baicheng Branch of Agricultural Development Bank. This paper takes five risk loans successively appearing in Baicheng Branch of Agricultural Development Bank in recent years as an example, starting with the four main forms of existing risk loans, making a serious and objective analysis of each case one by one. In accordance with the principle of combining theory with practice, the subjective and objective causes of risk loan are carefully studied, and the successful resolution of some risk loans is elaborated in detail. It also puts forward specific implementation measures to prevent grain and oil credit risks, defuse non-performing loans, put an end to new risk loans, and improve the efficiency of the use of credit funds at present and for a period of time to come. Some of the concrete measures have been adopted by provincial branches. I believe the suggestions and suggestions will bring some guiding significance to the sustainable development of the Baicheng Branch of Agricultural Development Bank in the next step.
【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)】：F832.43;F326.11

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