摘要
近年来,随着我国金融市场改革步伐不断加快,农村金融市场也发生了翻天
覆地的变化。农村商业银行作为一个由农村信用社改制而来的金融机构,定位于
服务“三农”,服务乡镇企业,为农村地区经济的发展做出了巨大的贡献,对我
国经济稳定发展起到了重要的作用。然而由于各种历史和现实原因,改制而来的
农村商业银行,受产品单一、人员队伍素质参差不齐、服务受众素质偏低等因素
影响,信贷风险防控仍是重中之重。近期来看,信贷业务仍是农商银行的主要资
产业务和业务盈利点,因此,信贷风险防控对于农商银行今后的发展就显得尤为
重要。农商银行面临的信贷市场竞争也呈不断加剧之势,对加强信贷风险防控提
出了更高的要求,构建科学合理的风险管理体系对农村经济和农村商业银行的健
康发展都有着十分重要的意义

本文的理论基础由全面风险管理理论、信息不对称理论、资产负债理论和委
托代理理论构成,运用文献研宄法、专家访谈法和案例分析法,通过借鉴国内外
商业银行信贷风险管理最新研宄成果,对农村商业银行信贷风险管理进行分类和
特点分析,对信贷风险管理的程序进行了梳理。论文以A农商银行作为研究对象,
通过分析A农商银行信贷风险管理现状,发现其存在的问题及问题产生的原因,
并针对这些问题提出具体的解决办法

研究认为,A农商银行信贷风险管理主要存在一下三个方面的问题,一是信贷
人员素质制约业务健康发展;二是“担保圈”贷款风险频现增加了风险隐患;三
是信贷风险预警体系不健全。产生这些问题的原因主要有服务对象素质参差不齐、
地方政府的千预、关联企业“垒大户”风险较大和宏观经济形势影响了企业正常
经营四个方面。为了完善信贷风险管理,研究认为A农商银行信贷风险管理应该
将目标分为长期目标和短期目标,长期目标是不良贷款低于1%;形成符合自身实
际的风险管理战略;信贷风险管理机构得到更加清晰地完善;拥有符合信贷风险
管理要求的信用评估和信贷授信体系。短期目标为:一是全员信贷风险意识不断
增强;二是信贷风险管理机构日趋完善、信贷风险管理制度和流程符合A农商银
行信贷风险管理的实际需要;三是建立健全符合信贷风险管控的预警体系和授信
体系;四是不良贷款占比低于3%。为实现信贷风险管理目标,具体操作中应该遵
循全面风险管理原则;定性、定量相结合原则、可操作性原则三方面的原则。实
现上述理论与对策,可以通过建立更加高效的风险预警机制、加强信贷风险管理
队伍建设、丰富“担保圈”贷款保障方式策略来完善A农商银行信贷风险管理

-I- 同时,为保证上述对策的顺利实现,A农商银行要从组织、人员、外部信息和营销
服务四个方面进行保障。结论不仅为A农商银行信贷风险管理提供了思路,也为
其他同类金融机构信贷风险管理提供了借鉴

关键词:农商银行,信贷,风险管理,对策
-II- Abstract
In recent years, with the continuous improvement of China&39;s financial market
reform, rural financial markets have also undergone enormous changes. As a financial
institution which has been restructured by rural credit cooperatives, rural commercial
banks have made great contributions to the development of rural economy in the service
of three rural which means “agriculture, rural,farmer”,and serving township
enterprises. It has played an important role in the stable development of China&39;s
economy. However, due to various historical and practical reasons, the restructuring of
the rural commercial banks, subject to a single product, the quality of staff uneven, poor
quality of service providers and other factors, credit risk prevention and control is still
the most important. In the near term, the credit business is still the main asset business
and business profit point of the Rural Commercial Bank, therefore, the credit risk
prevention and control for the future development of the Rural Commercial Bank is
particularly important. The credit market competition faced by Rural Commercial Bank
has also been increasing. It has made great demands on strengthening the credit risk
prevention and control. It is of great significance to construct a scientific and reasonable
risk management system for the healthy development of rural economy and rural
commercial banks The
The theoretical basis of this paper is composed of comprehensive risk management
theory, information asymmetry theory, asset liability theory and principal-agent theory.
Using the literature research method, expert interview method and case analysis method,
by drawing lessons from the latest research results of credit risk management of
domestic and foreign commercial banks, The credit risk management of rural
commercial banks is classified and characterized, and the procedures of credit risk
management are sorted out. Taking the rural commercial bank as the research object,
this paper analyzes the current situation of credit risk management of A Rural
Commercial Bank, finds out the problems and the causes of the problems, and puts
forward specific solutions to these problems.
The study suggests that that there are two main problems in the credit risk
management of A Rural Commercial Bank: First,the quality of credit personnel is not
-in- high, and the credit risk early warning system is not perfect. The main reasons for these
problems, the quality of clients is uneven, local government intervention, affiliated
enterprises big barrier greater risk, macroeconomic situation affects the normal
business. In order to improve the credit risk management, the study considers that the
credit risk management of A Rural Commercial Bank should be divided into long-term
and short-term goals. The long-term goal is that the non-performing loan is less than 1%;
the risk management strategy is perfect; the credit risk management institution is sound;
Evaluation system and credit credit system. The second is the credit risk management
institutions are maturing, the credit risk management system and process in line with the
A Rural Commercial Bank credit risk management needs; third is to establish and
improve the risk early warning system and credit System; four non-performing loans
less than 3%. To achieve the objectives of credit risk management, the specific
operation should follow the following three principles, comprehensive risk management
principles; qualitative, quantitative combination of principles, the principle of
operability. The above theories and countermeasures can be used to improve the credit
risk management of A Rural Commercial Bank by establishing the scientific risk early
warning mechanism, strengthening the credit risk management team construction, and
enriching the guarantee mode of guarantee circle1&39;. To ensure the smooth realization of
the above measures, A rural commercial banks from four aspects of protection, that is
organizational security, personnel protection, external information security and
marketing services protection. The conclusion not only provides the thinking for the
credit risk management of A Rural Commercial Bank, but also provides reference for
the credit risk management of other similar financial institutions.
Key words: rural commercial banks, credit loans, risk management, countermeasures
-IV- 目 录
m w i
Abstract Ill
第1章导论1.1研究背景1.2研宄意义1.2.1理论意义1.2.2现实意义1.3研究方法1.4国内外研宄现状1.4.1国内研究现状1.4.2国外研宄现状
.5
1.4.3研究现状评述7
1.5研宄思路与框架1.6研究的创新点和不足第2章商业银行信贷风险管理的概念及相关理论2.1商业银行信贷风险管理概念2.1.1信贷风险管理的概念界定
二 11
2.1.2信贷风险管理的程序2.1.3商业银行信贷风险的分类2.1.4农商银行信贷风险的特点2.2商业银行信贷风险管理相关理论2.2.1全面风险管理理论2.2.2信息不对称理论2.2.3资产负债理论2.2.4委托代理理论第3章A农商银行信贷风险管理现状与问题分析
23
3.1 A农商银行基本情况概述
23
3.1.1经营管理信息
23
3.1.2产品信息
24
3.1.3市场信息
26
-V- 3.2 A农商银行信贷风险管理基本制度
28
3.2.1 A农商银行信贷风险管理机构
28
3.2.2 A农商银行信贷业务流程
29
3.3 A农商银行信贷风险管理存在的问题
30
3.3.1信贷人员素质制约业务健康发展
30
3.3.2“担保圈”贷款风险频现增加了风险隐患
31
3.3.3信贷风险预警体系不健全
32
3.4 A农商银行信贷风险管理问题成因分析
33
3.4.1服务对象素质参差不齐
33
3.4.2地方政府的干预
33
3.4.3关联企业“垒大户”风险较大
34
3.4.4宏观经济形势影响企业正常经营
34
第4章完善A农商银行信贷风险管理的对策与保障
37
4.1完善A农商银行信贷风险管理的目标
37
4.2完善A农商银行信贷风险管理的原则
37
4.3 A农商银行信贷风险管理改善对策分析
38
4.3.1建立更加高效的风险预警机制
38
4.3.2加强信贷风险管理队伍建设
39
4.3.3丰富“担保圈”贷款保障方式
40
4.4完善A农商银行信贷风险管理保障措施
42
4.4.1
42
4.4.2人员保障
43
4.4.3外部信息保障
44
4.4.4营销服务保障
44
第5章结论和展望
47
5.1结论 47
5.2展望 48
参考文献 49
iClIt 53
攻读硕士学位期间研究成果
55
-VI-
第1章导论
第1章导论
1.1研究背景
农村信用社的股份制改革在2010年拉开序幕。在人民银行和中国银行业监督
管理委员会的共同推动下,对农村信用社进行股份制改革,改革后称为农村商业
银行(以下简称“农商银行”)。改制后的农商银行,将继续贯彻市场化经营,以
地方工业经济、农业经
。。。以上简介无排版格式，详细内容请下载查看