I 摘要 信贷风险一直是银行不可规避的问题，如何有效地管理控制风险，是各大银行研 究的课题。经济的高速发展，同业的激烈竞争，都在无形之间为信贷风险埋下了伏笔。 在经济改革中，我国银行业根据自身发展形成一系列适应自身发展所需的管理机制。 不仅为银行业稳定的发展提供了有力保障，也为企业资金的良性循环提供强大支持。 但我国农村商业银行由于起步较晚，受历史、体制等诸多因素影响发展受到一定的限 制和束缚，成为银行体系中最薄弱的一个类别。在信贷业务方面，居高不下的不良贷 款率，已经严重影响了信贷资产质量，阻碍了自身经济的发展。作为支持区域经济发 展的基层金融机构，有效信贷风险管理迫在眉睫。健全信贷风险管理保障措施，对农 村商业银行日后健康、稳定的发展起到无可替代的作用。 农村商业银行信贷风险管理体系存在着风险意识不足，内部控制不健全等问题。 降低不良贷款率、维护信贷风险可控、保障行业持续稳定发展，已成为农村商业银行 面临的重大挑战。 本文根据 CC 农商行信贷风险管理现状，通过实地调研，考察询问，翻阅文献的 方法，找出信贷风险管理中存在的问题，进行深入分析，通过内部因素与外部因素两 大因素对信贷风险成因进一步分析。结合经济市场环境和信贷业务发展趋势，有针对 性的提出信贷风险管理合理化保障措施。在信贷风险管理日常防范方面与信贷风险持 续控制方面提出具体的信贷风险管理方案，主要包括完善风险预警机制、健全内控体 系、完善监测系统、加强贷款基础管理、优化信贷人文环境、健全风险监督与惩戒机 制。 关键词:CC 农商行 信贷风险 风险管理 风险防控Abstract II Abstract Credit risk has always been an unavoidable problem for banks. How to effectively manage and control the risk is a research topic for major banks. The rapid development of economy and the fierce competition of the same industry have laid a solid foundation for credit risk. In the process of economic reform, China's banking industry has formed a series of management mechanisms according to its own development. It not only provides a strong guarantee for the stable development of the banking industry, but also provides a strong support for the virtuous circle of corporate capital. However, due to the late start, the development of rural commercial banks is limited and constrained by many factors, such as history, system and so on, which has become the weakest category in the banking system. In terms of credit business, the high non-performing loan rate has seriously affected the quality of credit assets and hindered the development of its own economy. As a grass-roots financial institution supporting regional economic development, effective credit risk management is imminent. Improving the credit risk management safeguard measures plays an irreplaceable role in the healthy and stable development of rural commercial banks in the future. There are some problems in the credit risk management system of rural commercial banks, such as insufficient risk awareness and imperfect internal control. It has become a major challenge for rural commercial banks to reduce the non-performing loan rate, maintain the controllable credit risk and ensure the sustainable and stable development of the industry. According to the current situation of credit risk management of CC rural commercial bank, this paper finds out the problems in credit risk management through on-the-spot investigation, investigation, inquiry and literature review, and analyzes the causes of credit risk through internal and external factors. Combined with the economic market environment and the development trend of credit business, the paper puts forward the reasonable guarantee measures of credit risk management. In terms of daily prevention of credit risk management and continuous control of credit risk, specific credit risk management programs are proposed, mainly including improving risk early warning mechanism, improving internal control system, improving monitoring system, strengthening basic loan management, optimizing credit humanistic environment, andAbstract III improving risk supervision and punishment mechanism. Key words:CC agricultural firm Credit risk Risk management Risk prevention and control目 录 IV 目 录 摘要....................................................................................................................................I Abstract..............................................................................................................................II 第 1 章 绪 论....................................................................................................................1 1.1 研究背景与意义.....................................................................................................1 1.2 国内外研究现状.....................................................................................................1 1.2.1 国外研究现状..............................................................................................1 1.2.2 国内研究现状..............................................................................................2 1.3 研究内容与方法.....................................................................................................3 1.4 创新点.....................................................................................................................4 第 2 章 相关概念及理论基础............................................................................................6 2.1 信贷风险概述.........................................................................................................6 2.2 信贷风险类别.........................................................................................................6 2.3 信贷风险的特征.....................................................................................................7 2.4 信贷风险管理相关理论.........................................................................................8 2.4.1 信息不对称理论..........................................................................................8 2.4.2 篮子理论......................................................................................................8 2.4.3 大数据风控理论..........................................................................................9 第 3 章 CC 农商行信贷风险管理现状分析.....................................................................10 3.1 CC 农商行概况及资产现状..................................................................................10 3.2 CC 农商行信贷业务风险管理办法......................................................................13 3.2.1 CC 农商行信贷风险识别...........................................................................13 3.2.2 CC 农商行信贷风险控制...........................................................................14 3.2.3 CC 农商行信贷风险分散和转移...............................................................15 3.3 CC 农商行信贷业务违规操作主要表现形式......................................................16 3.3.1 业务流程失范操作....................................................................................16 3.3.2 职责缺失操作............................................................................................18 3.3.3 服从性操作................................................................................................19 3.3.4 习惯性操作................................................................................................19 第 4 章 CC 农商行信贷风险管理存在的问题及原因分析.............................................20目 录 V 4.1 CC 农商行信贷风险管理存在的主要问题..........................................................20 4.1.1 未建立有效的信贷风险预警系统............................................................20 4.1.2 内部控制不健全........................................................................................20 4.1.3 信贷管理执行力不到位............................................................................21 4.1.4 信贷结构不合理........................................................................................22 4.2 CC 农商行信贷风险产生的原因分析..................................................................22 4.2.1 CC 农商行信贷风险产生的主要内部因素...............................................22 4.2.2 CC 农商行信贷风险产生的主要外部因素...............................................23 第 5 章 CC 农商行信贷风险的防范与控制.....................................................................25 5.1 CC 农商行信贷风险管理的日常防范..................................................................25 5.1.1 完善风险预警机制....................................................................................25 5.1.2 健全内控体系............................................................................................26 5.1.3 完善监测系统............................................................................................28 5.2 CC 农商行信贷风险的持续控制..........................................................................28 5.2.1 加强贷款基础管理....................................................................................28 5.2.2 优化信贷人文环境....................................................................................30 5.2.3 健全风险监督与惩戒机制........................................................................31 结 论..................................................................................................................................34 致 谢..................................................................................................................................35