摘要
I
摘要
信贷风险管理是农村信用社信贷业务发展好坏的重要决定因素，提高信贷风险管
理水平，有利于建立有效的风险防范机制，保证信用社信贷资金安全，提高农村信用
社的竞争能力和获利能力，提高信用社的经济效益。做好信贷风险管理工作也是农村
信用社自身信誉提升的主要途径，是推进信用社业务经营与国际惯例接轨的重要环
节

但是种种不确定的宏观政治、经济、自然气候和微观环境发生着变化，使得深受
这些环境因素影响的信贷风险也在不断增加，RCQ 农村信用社的不良贷款率逐步上
升，经营受到了空前的挑战。因此，加强信贷风险管理变得尤为重要

本文首先阐述了信贷风险管理的相关理论及国内外主要研究成果，分析值得借鉴
的地方，作为全文研究的理论基础；然后介绍了 RCQ 农村信用社信贷风险管理的现状

其次，综合运用风险环境分析、制作风险清单、幕景分析等方法，对该信用社的信贷
风险影响因素进行识别，运用层次分析法对这些因素进行评估度量，评估出各因素的
重要性程度，结合问卷调查得出的调研结果，与 RCQ 农村信用社在贷前授信管理、贷
款发放管理以及贷后管理中实际存在的问题进行对接，明确改进工作的重点。最后，
依据度量结果，对授信管理、信用评级、风险预警和风险处理等体系重新进行规划和
统一，对信贷风险管理的组织结构进行重构，对信贷风险管理相关制度进行规范和创
新，对信贷风险管理改进的外部环境进行优化

关键词：信贷风险管理；影响因素；层次分析法；改进措施山东理工大学硕士学位论文 ABSTRACT
II
ABSTRACT
Credit risk management is the important determinants of rural credit cooperatives
credit business development whether good or bad.Credit risk can be effectively
management is helpful to establish an effective risk prevention mechanism. This will help
ensuring the safety of credit funds of the credit union. This is helpful to improve the
competition ability and profitability of rural credit cooperatives. This is helpful to improve
the economic benefits of credit cooperatives. The management of credit risk is the main
way to promote the credibility of rural credit cooperatives. This also is an important link to
promoting credit cooperatives business management in line with international practice.
In recent years,competition in financial markets has intensified. Meanwhile, the
macro political, which has all sorts of uncertainty, and economic and natural climate
changes occur over time. So the credit risk increases, and non-performing loan ratio also
gradually rises.Therefore, it is important to strengthen credit risk management.
This article first elaborated the credit risk management of related theory and the main
research results at home and abroad.Analysis of local worthy of learning, as the essential
theoretical foundation of the full text.Then this paper introduces the present situation of
RCQ credit risk management of rural credit cooperatives.Second, the integrated use of
environmental risk analysis, risk list making, curtain scene analysis method, the credit
cooperatives credit risk factors for identification.Using the analytic hierarchy process to
evaluate these factors.Assess the importance degree of various factors, and combine with
loans of rural credit cooperatives credit management, loan management and post-loan
management of the actual problems.Finally, based on the measurements of credit
management, credit rating, risk handling and risk early warning system to planning and
unified.Reconstruct the credit risk management organization structure.Specification and
the innovation system of credit risk management related.Optimization of the credit risk
management to improve the external environment.
Key words: Credit Risk Administration; Influence Factors; Analytic Hierarchy Process;
Improvement Measures山东理工大学硕士学位论文 目 录
III
目 录
摘要.........I
ABSTRACT.. II
目 录......III
第一章 绪 论......1
1.1 研究背景和意义......1
1.2 国内外文献综述......2
1.2.1 国内文献综述2
1.2.2 国外文献综述2
1.3 研究内容和方法......3
1.3.1 研究内容........3
1.3.2 研究方法........3
1.4 论文的创新之处......3
第二章 信贷风险管理的理论基础5
2.1 信贷风险管理的基本概念..5
2.2 主要的信贷风险管理的基础理论..5
2.2.1 商业贷款理论5
2.2.2 全面风险管理理论....6
2.2.3 信息不对称理论........7
2.2.4 市场失灵和政府失灵理论....7
第三章 RCQ 农村信用社信贷风险管理现状.........8
3.1 RCQ 农村信用社现状.........8
3.1.1 RCQ 农村信用社简介...........8
3.1.2 信贷业务......8
3.2 信贷风险管理概况..........10
3.2.1 信贷风险管理组织结构......10
3.2.2 信贷风险管理制度..11
3.2.3 信贷业务流程..........13
第四章 RCQ 农村信用社信贷风险因素的识别与度量...14
4.1 RCQ 农村信用社信贷风险因素识别.......14
4.1.1 外部因素识别........15
4.1.2 内部因素识别........17
4.2 RCQ 农村信用社信贷风险因素的度量...18
4.2.1 建立层次结构..........18
4.2.2 构造判断矩阵及层次单排序和一致性检验..........19
4.2.3 层次总排序和一致性检验..21
第五章 R
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