本文首先阐述了本文的选题背景与意义、国内外研究现状、研究方法、技术路
线；第二，对农村商业银行贷款风险管理的相关理论基础进行了研究，包括贷款风
险、贷款风险管理意义等；第三，对山东聊城润昌农商银行贷款风险管理现状进行
了分析，包括润昌农村商业银行贷款业务及管理情况，并重点分析了当前贷款业务
风险管理存在的问题；第四，分析了山东聊城润昌农商银行贷款风险的成因，并理
论结合实际分析后给出针对性的应对策略

关键词 农村商业银行；贷款风险管理；问题；成因；对策河北科技大学硕士学位论文
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Abstract
With the rapid development of the economy of our country, rural credit generally
reform for rural commercial banks, rural commercial bank outlets across the countryside,
with a considerable scale of operation and financial strength, is the rural finance of our
country on the basis of strength, is an important part of China&39;s financial system is
essential, but in the process of development also exist some problems.
This article first elaborated the background and meaning of this topic, research status
at home and abroad, research methods, technical route; second, the theoretical basis of
rural commercial bank credit risk management were studied, including credit risk, credit
risk management significance; third, to run in Shandong Liaocheng Chang rural
commercial bank credit risk management present situation were analyzed, including
Changrun rural commercial bank credit business and management situation, and focuses
on the analysis of the problems existing in the current credit risk management; fourth,
analysis of the causes of modern Shandong Liaocheng Changrun rural commercial bank
risk, and theory with practical analysis is given for coping strategies.
Keywords Rural commercial banks;credit risk management;problems;causes;
countermeasures目 录
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目 录
摘要I
AbstractII
第 1 章 续 论·1
1.1 研究背景及意义......1
1.2 润昌农村商业银行概述......2
1.3 主要内容......2
1.4 研究方法及技术路线..........3
1.4.1 研究方法...........3
1.4.2 技术路线...........3
第 2 章 理论基础5
2.1 贷款风险......5
2.2 贷款风险管理意义..6
2.2.1 目标.......6
2.2.2 原则.......7
2.2.3 贷款风险分类管理.......7
2.3 国内外研究现状......8
2.3.1 国外研究现状...8
2.3.2 国内研究现状...8
2.4 风险管理理论..........9
2.4.1 风险管理的含义...........9
2.4.2 风险管理的目标...........9
2.4.3 风险管理程序.10
第 3 章 润昌农村商业银行贷款风险管理现状分析··13
3.1 润昌农村商业银行存、贷款业务情况....13
3.2 润昌农村商业银行贷款风险管理情况......22
3.3 润昌农村商业银行贷款风险管理现存问题..........23
3.3.1 不良贷款占比偏高，新形成不良贷款多.....23
3.3.2 贷款业务流程形式化.24
3.3.3 贷款风险分类不准确.24
3.3.4 贷款风险识别管控机制不完善.........25河北科技大学硕士学位论文
IV
3.3.5 贷款集中度偏大.........26
3.3.6 贷款风险处置控制方式单一.27
3.4 贷款风险形成的原因分析28
3.4.1 贷款队伍建设滞后.....28
3.4.2 奖惩机制不健全.........28
3.4.3 风险处置不到位.........29
3.4.4 稽查部门权威性不足.30
3.4.5 信用体系不健全.........30
3.4.6 社会环境影响.31
第 4 章 润昌农村商业银行贷款风险的实证分析33
4.1 不良贷款分析模型建立....33
4.1.1 变量的选择与数据收集.........33
4.1.2 参数估计及检验....
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