分类号F832.4密级公开
收藏编号___________学号170725014
学校代码10386编号_____________
(专题研究)
农信系统贷款风险管理研究——以N 农商
银行为例
研究方向：财务与金融管理
研究生姓名：陈建波
指导教师、职称：邹辉文教授
协助导师、职称：
所在学院：经济与管理学院
答辩委员会主席：唐振鹏教授
二〇二一年十一月
农信系统贷款风险管理研究——以N 农商银行为例
摘要
随着我国经济发展，以农村商业银行为代表的农村金融机构得到了大力的发
展，为我国“三农”发展立下了汗马功劳。最近新冠疫情加重和经济持续低迷，
致使文化水平普遍较低的农村居民抵御经营风险能力较差，出现了大量经营失败
现象，导致农商行信贷风险进一步加大，不利于农信系统的良好发展。随着贷款
业务发展难度不断加大，对农信系统的信贷风险进行分析和管理已迫在眉睫。
文章选取N 农村商业银行为研究对象，首先分析了银行贷款起源、发展及
贷款风险研究现状，明确了贷款风险、贷款风险分类、贷款风险管理理论、贷款
风险管理内容，介绍了在研究银行贷款风险管理中应用的层次分析法和模糊评价
法。探讨了N 农村商业银行目前的发展情况及贷款业务现状，并对该行银行贷
款产品进行了详细介绍。当前，N 农商银行主要面临操作风险、市场风险、信用
风险、自然性风险等四种风险。在研究归纳问题的基础上，理论联系实际分析了
对农商行贷款风险有关联的要素，从四个角度（合规文化、内控制度、清收力度、
科技支撑）分析N 农商银行风险影响因素。充分运用层次分析法构建了N 农商
银行贷款风险评价指标体系，并利用模糊评价法对银行风险评价结果进行了确
定，最终给出了N 农商银行客观的银行贷款风险评价分数。最后针对N 农商银
行在风险管理上的短板弱项，提出合理的对策建议，建议加快合规文化建设、加
强内控制度建设、加大清收力度、加快科技创新。希望可以优化该行现有信贷风
险管理工作，助力N 农商银行朝有利方面发展，使其更好服务“三农”，拉动
当地经济，帮助当地农村居民提升收入水平。
本文主要通过阅读大量文献，深入N 农商银行进行深入调研，广泛搜集掌
握N 农商银行第一手资料。从银行自身建设的角度出发，运用科学的研究和评
价方法，为N 农商银行量身制定了可靠性强、可操作的银行贷款风险管理提升
方法。通过研究可以知晓，N 农商银行贷款风险评价分数为38.196分，属于风
险较高的区间，且随着N 农商银行贷款规模增长，有进一步扩大的风险。因此，
在合规文化、内控制度、清收力度、科技支撑方面要有针对性地重点提高，为N
农商银行巩固商业版图、提升业务水平、打造品牌形象大有裨益。
关键字：农信系统；贷款风险管理；措施
Study on loan Risk Management of RURAL Credit System
--Taking N Rural Commercial Bank as an example
Abstract
With the development of economy,rural financial institutions represented by
rural commercial banks have developed vigorously and made great contributions to
the development of China's "agriculture,rural areas and farmers".Recently,the
aggravation of COVID-19and the continuous economic downturn have led to the
poor ability of rural residents with low education level to resist business risks and a
large number of business failures.As a result,the credit risks of RURAL Commercial
Bank have been further increased,which is not conducive to the sound development
of rural Credit System.With the increasing difficulty of loan business development,it
is urgent to analyze and manage the credit risk of RURAL Credit Credit system.
Article selected N rural commercial bank as the research object,firstly analyzes
the origin and development bank loans and loan risk research present situation,has
been clear about the loan risk,loan risk classification,risk management theory,loan
risk management content,this paper has introduced the bank loan risk management in
the application of analytic hierarchy process and fuzzy evaluation method.This paper
discusses the current development and loan business status of N Rural Commercial
Bank,and introduces the bank loan products in detail.At present,N Rural
Commercial Bank mainly faces four kinds of risks:operational risk,market risk,
credit risk and natural risk.On the basis of studying and summarizing problems,the
factors related to the loan risks of RURAL Commercial Bank are analyzed
theoretically and practically,and the risk influencing factors of N Rural Commercial
Bank are analyzed from four perspectives (compliance culture,internal control system,
liquidation strength,and scientific and technological support).The loan risk
evaluation index system of N Rural Commercial Bank is fully constructed by using
analytic hierarchy process,and the results of bank risk evaluation are determined by
using fuzzy evaluation method,and the objective loan risk evaluation score of N
Rural Commercial Bank is finally given.Finally,reasonable countermeasures and
suggestions are put forward for the shortcomings of N Rural Commercial Bank in risk
management,including speeding up the construction of compliance culture,
strengthening the construction of internal control system,increasing the efforts of
liquidation and speeding up scientific and technological innovation.It is hoped that
the existing credit risk management work of THE Bank can be optimized to help N
Rural Commercial Bank develop in a favorable direction,so that it can better serve
"agriculture,rural areas and farmers",boost the local economy and help local rural
residents improve their income level.
This paper mainly through reading a large number of literature,in-depth
investigation of N Rural Commercial Bank,extensive collection of FIRST-HAND
information of N Rural Commercial Bank.From the perspective of the bank's own
construction,scientific research and evaluation methods are used to tailor a highly
reliable and operable bank loan risk management improvement method for N Rural
Commercial Bank.It can be seen from the study that the loan risk evaluation score of
N Rural Commercial Bank is 38.196,which belongs to the high risk range.With the
increase of the loan scale of N Rural Commercial Bank,there is a further expansion of
the risk.Therefore,it is of great benefit for N Rural Commercial Bank to consolidate
its commercial territory,improve its business level and build its brand image by
focusing on improving compliance culture,internal control system,liquidation
strength and scientific and technological support.
Key words:Rural credit system,loan risk management,measures