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MBA硕士毕业论文_C农村信用社信贷风险管理研究PDF

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11 摘要 近年来,国家为发展农村经济,大力推进农村产业结构调整,以此来增加农民收入; 同时,对“三农”服务加大投入,以实现农村基础设施建设、农村生产和生活条件得到改 善的目标。农村信用社作为“服务三农”的农村金融机构,支持农村经济发展、为我国乡 村振兴提供信贷资金支持义不容辞。 农村信用社专门推出涉农贷款来支持乡村振兴。涉农贷款是专门针对农户生活、生产、 经营的贷款。涉农贷款具有无需抵押、利率低等特点,推出后广受农户喜欢。同时,也由 于这些特点使得农村信用社的风险频发,造成资金损失。因此,如何在做好支持农业经济 发展的同时加强农村信用社的信贷风险管理已迫在眉睫。 本文以BC农村信用社作为研究对象,文章以风险识别、评估和控制为研究主线,以 信息不对称理论和风险管理理论为基础,对BC农村信用社的信贷风险管理进行研究。通 过实地调研发现BC农村信用社信贷工作中存在问题主要包括信贷风险管理机制不健全、 人员素质不高、追责不明,以及缺乏准确的信贷评估体系等。通过对问题及原因的具体分 析,有针对性地提出了相应的改进措施,即在信贷工作过程中,运用5C分析法对借款人 进行初步风险识别;然后在贷款过程中运用3A评级对借款人进行信用等级评定,以确定 贷款额度及利率;在风险控制中借助贷款五级分类对贷款进行分类管理;同时,通过简易 矩阵结合Borda序值对BC农村信用社所面临的风险因素及不同信用等级的客户发生风险 的概率进行了排序,为后续风险控制提供参考依据。同时还需要健全信贷风险管理机制, 提高人员工作素质。 本文对BC农村信用社的信贷风险管理问题进行研究,找出问题并提供切实可行的解 决意见,一方面有利于促进BC农村信用社的提高信贷风险管理能力,促进BC农村信用社 的稳健发展;另一方面也可以供其他类似金融机构改善信贷风险管理借鉴。 关键词:农村信用社;信贷风险;风险管理 论文类型:应用研究 西南科技大学硕士学位论文 2 Abstract Inrecentyears,thestatevigorouslypromotesthestrategicadjustmentoftheruralindustrial structure,cultivatestheleadingindustry,andstrivestoincreasetheincomeoffarmers;increases theinvestmentandservicetothe"threeruralareas",paysattentiontotheconstructionofrural infrastructure,andimprovestheruralproductionandlivingconditions.Asaruralfinancial institutionof"servingthethreeruralareas",ruralcreditcooperativessupportthedevelopment ofruraleconomyandprovidecreditfundsfortherevitalizationofruralareas. Ruralcreditcooperativeshavelaunchedagriculturalrelatedloanstosupportruralrevitalization. Agriculturalloanisakindofloanspeciallyforfarmers'life,productionandoperation. Agriculturalrelatedloanshavethecharacteristicsofnomortgageandlowinterestrate,which arewidelylikedbyfarmersafterbeinglaunched.Atthesametime,becauseofthese characteristics,theriskofruralcreditcooperativesoccursfrequently,resultingincapitalloss. Therefore,itisurgenttostrengthenthecreditriskmanagementofruralcreditcooperatives whilesupportingthedevelopmentofagriculturaleconomy. ThispapertakesBCruralcreditcooperativesastheresearchobject,takesriskidentification, assessmentandcontrolastheresearchmainline,andbasedoninformationasymmetrytheory andriskmanagementtheory,studiesthecreditriskmanagementofBCruralcreditcooperatives. Throughon-the-spotinvestigation,itisfoundthattheproblemsinBCruralcreditcooperatives' creditworkmainlyincludeimperfectcreditriskmanagementmechanism,lowqualityof personnel,unclearaccountability,andlackofaccuratecreditevaluationsystem.Throughthe specificanalysisoftheproblemsandcauses,thecorrespondingimprovementmeasuresareput forward,thatis,intheprocessofcreditwork,the5Canalysismethodisusedtoidentifythe borrower'sinitialrisk,andthenthe3Aratingisusedtoassesstheborrower'screditratinginthe processofloan,soastodeterminetheloanlimitandinterestrate.Intheriskcontrol,theloanis classifiedwiththehelpofthefive-levelclassificationofloanAdministration.Theriskfactors facedbyBCruralcreditcooperativesandtheprobabilityofoccurrenceofriskofcustomers withdifferentcreditlevelsaresortedbysimplematrixandBordaordervalue,whichprovides referenceforsubsequentriskcontrol.Atthesametime,weneedtoimprovethecreditrisk managementmechanismandimprovethequalityofpersonnel. ThispaperstudiesthecreditriskmanagementofBCruralcreditcooperatives,findsoutthe problemsandprovidespracticalsolutions.Ontheonehand,itisconducivetoimprovingthe creditriskmanagementabilityofBCruralcreditcooperatives,promotingthesteady developmentofBCruralcreditcooperatives;ontheotherhand,itcanbeusedforreferenceby othersimilarfinancialinstitutionstoimprovecreditriskmanagement. 摘要 3 KeyWords:Ruralcreditcooperatives;Creditrisk;Riskmanagement TypeofDissertation:ApplicationResearch 目录 11 目录 第1章绪论..................................................................................................................................1 1.1选题背景及研究意义......................................................................................................1 1.1.1选题背景...............................................................................................................1 1.1.2研究意义...............................................................................................................1 1.2文献综述..........................................................................................................................2 1.2.1国外研究现状.......................................................................................................2 1.2.2国内研究现状.......................................................................................................4 1.2.3文献评述...............................................................................................................5 1.3研究思路与内容..............................................................................................................6 1.3.1研究思路...............................................................................................................6 1.3.2研究内容...............................................................................................................6 1.4研究方法..........................................................................................................................6 1.5创新与特色......................................................................................................................7 第2章信贷风险概述及理论基础..............................................................................................8 2.1信贷风险概述..................................................................................................................8 2.1.1信贷风险的概念...................................................................................................8 2.1.2信贷风险分类.......................................................................................................8 2.1.3信贷风险的特点...................................................................................................9 2.1.4信贷风险管理原则.............................................................................................10 2.2理论基础........................................................................................................................10 2.2.1信息不对称理论.................................................................................................10 2.2.2信贷风险管理理论.............................................................................................11 第3章BC农村信用社信贷风险管理问题及成因分析...........................................................15 3.1BC农村信用社现状........................................................................................................15 3.1.1BC农村信用社基本情况.....................................................................................15 3.1.2BC农村信用社经营现状.....................................................................................16 3.1.3BC农村信用社信贷业务现状.............................................................................17 3.1.4BC农村信用社与S省农村信用社贷款质量比较.............................................18 3.2BC农村信用社信贷风险管理中存在的问题................................................................20 3.2.1信贷风险识别存在的问题.................................................................................21 3