本文選題：中小商業(yè)銀行 + 涉農(nóng)企業(yè)貸款��； 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：信貸風(fēng)險(xiǎn)管理是當(dāng)前各國商業(yè)銀行風(fēng)險(xiǎn)管理的核心。如何準(zhǔn)確把握和有效防控銀行信貸風(fēng)險(xiǎn),確保銀行信貸資金安全,是商業(yè)銀行的一項(xiàng)長期任務(wù)和系統(tǒng)工程。近年來,我國各類商業(yè)銀行在信貸風(fēng)險(xiǎn)管理,防范和化解信貸風(fēng)險(xiǎn)上做了大量的理論研究與實(shí)踐探索,取得了明顯的成績和豐富的實(shí)踐經(jīng)驗(yàn),銀行信貸資產(chǎn)質(zhì)量明顯提高。地區(qū)性中小商業(yè)銀行是我國經(jīng)濟(jì)體制改革的重要成果之一,它們的成立和發(fā)展,在一定程度上適應(yīng)了我國經(jīng)濟(jì)結(jié)構(gòu)調(diào)整的需要,并且有效地填補(bǔ)了我國中小城市大型國有商業(yè)銀行由于營業(yè)機(jī)構(gòu)壓縮所帶來的市場空白,中小商業(yè)銀行較好地滿足了中小城市“三農(nóng)”企業(yè)和鄉(xiāng)鎮(zhèn)企業(yè)的融資需求。然而,由于農(nóng)業(yè)產(chǎn)業(yè)的弱質(zhì)性和農(nóng)業(yè)企業(yè)的產(chǎn)業(yè)特殊性,涉農(nóng)貸款信貸風(fēng)險(xiǎn)普遍高于其他產(chǎn)業(yè)的貸款風(fēng)險(xiǎn),因此其風(fēng)險(xiǎn)的防控更具有探索和研究價(jià)值,在金融不斷改革的今天,如何加強(qiáng)銀行涉農(nóng)貸款信貸風(fēng)險(xiǎn)的防控就成為了我國地區(qū)性中小商業(yè)銀行提高競爭力的關(guān)鍵所在。中小商業(yè)銀行限于資金實(shí)力和地域性特點(diǎn),主要服務(wù)對象是中小企業(yè),在這些中小企業(yè)中,涉農(nóng)企業(yè)較多,目前涉農(nóng)企業(yè)大多存在資產(chǎn)負(fù)債率較高、經(jīng)營穩(wěn)定性差、可作抵押的有效財(cái)產(chǎn)較少、發(fā)展后勁不足等問題。面對經(jīng)營狀況穩(wěn)定性較差的客戶群,農(nóng)村商業(yè)銀行客觀上將承受更多的經(jīng)營風(fēng)險(xiǎn)。同時(shí),我國地區(qū)性中小商業(yè)銀行普遍存在著片面追求規(guī)�！白龃蟆钡膬A向,加上涉農(nóng)貸款比重普遍偏高,從全國范圍來看,農(nóng)村商業(yè)銀行不良貸款率普遍高于其他各類商業(yè)銀行,其潛在風(fēng)險(xiǎn)較為嚴(yán)重。 本文從分析我國地區(qū)性中小商業(yè)銀行涉農(nóng)企業(yè)貸款信貸風(fēng)險(xiǎn)的成因和類別入手,以中小商業(yè)銀行涉農(nóng)貸款角度為切入點(diǎn),進(jìn)行信貸風(fēng)險(xiǎn)的理論梳理和學(xué)理分析,提出了防控涉農(nóng)貸款信貸風(fēng)險(xiǎn)的相關(guān)措施和對策,并從銀行外部提出了優(yōu)化中小商業(yè)銀行信貸環(huán)境的政策建議。論文的研究可以為我國地區(qū)性中小商業(yè)銀行在涉農(nóng)貸款領(lǐng)域防范和控制信貸風(fēng)險(xiǎn)提供一定的參照和幫助,對我國地區(qū)性中小商業(yè)銀行加強(qiáng)和深化信貸資產(chǎn)風(fēng)險(xiǎn)管理具有一定的現(xiàn)實(shí)意義。
[Abstract]:Credit risk management is the core of commercial bank risk management in various countries. How to accurately grasp and effectively prevent and control bank credit risks and ensure the security of bank credit funds is a long-term task and system engineering of commercial banks. In recent years, all kinds of commercial banks in our country have done a lot of theoretical research and practical exploration on credit risk management, prevention and solution of credit risk, and have made obvious achievements and rich practical experience, and the quality of bank credit assets has been obviously improved. Regional small and medium-sized commercial banks are one of the important achievements of China's economic system reform. Their establishment and development to a certain extent meet the needs of China's economic restructuring. And it effectively fills up the market gap caused by the compression of the business organization of the large state-owned commercial banks in the small and medium-sized cities of our country. The small and medium-sized commercial banks meet the financing needs of the "three rural" enterprises and the township enterprises in the small and medium-sized cities. However, because of the weak quality of agricultural industry and the particularity of agricultural enterprise, the credit risk of agricultural loan is generally higher than that of other industries, so the prevention and control of the risk has more exploration and research value. How to strengthen the prevention and control of the credit risk of agricultural loans has become the key to improve the competitiveness of regional small and medium-sized commercial banks in China. Small and medium-sized commercial banks are limited to capital strength and regional characteristics, the main service object is small and medium-sized enterprises, in these small and medium-sized enterprises, there are many agriculture-related enterprises. At present, most of the agriculture-related enterprises have high asset-liability ratio and poor management stability. The valid property which can be used as mortgage is less, the development stamina is insufficient and so on. In the face of poor stability of customers, rural commercial banks will objectively bear more operational risks. At the same time, regional small and medium-sized commercial banks in our country generally have the tendency of one-sided pursuit of "bigger scale", and the proportion of agriculture-related loans is generally on the high side. From a nationwide perspective, The non-performing loan rate of rural commercial banks is generally higher than that of other commercial banks, and its potential risks are more serious. This paper begins with the analysis of the causes and types of loan credit risk of small and medium-sized commercial banks in our country, taking the angle of small and medium-sized commercial banks' agricultural loans as the starting point, carries out theoretical and theoretical analysis of the credit risk. This paper puts forward the relevant measures and countermeasures for preventing and controlling the credit risk of agricultural loans, and puts forward some policy suggestions for optimizing the credit environment of small and medium-sized commercial banks from the outside of the banks. The research in this paper can provide some reference and help for the regional small and medium-sized commercial banks to prevent and control the credit risk in the field of agricultural loans. It is of practical significance to strengthen and deepen the risk management of credit assets for regional small and medium-sized commercial banks in China.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.43

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