中文摘要
中国是农业大国，近年来，随着社会主义新农村建设，普惠金融以及乡村振
兴战略的实施。证明了农业是我国的基石，农业对我国生产发展都有着很大的贡
献。因此在我国经济体系中，农村经济直接关系到国民经济取得的成就，农村经
济的好坏直接影响国民经济的健康发展。随着国家越来越重视农村，逐步把三农
问题提升到战略层面。
农村商业银行作为农村金融的主力军，是由农村信用社根据市场经济发展需
要通过股份制改革而来，不仅仅是农村金融市场的重要参与者，更是对乡村地区
的建设发展发挥着举足轻重的作用。不仅可以加快促使农业转型发展的步伐、还
可以在服务三农的道路上发挥着举足轻重的作用。因此，农商行的可持续发展不
单单与自身的发展密不可分，某种意义上与社会的稳定和发展息息相关。
银行信贷风险主要是由以下几个原因构成，一是客观原因，天灾人祸；二是
主观原因，即社会信用环境不良，使多数借款人故意逃匿、赖账、不愿还款；三
是放贷机构人员的道德风险，农商行内部员工与借款人相互勾结，或是故意为不
符合条件的贷户发放贷款，或是超额放贷等等，致使贷款到期不能按时偿还，信
贷风险逐步加大，从而危害银行的正常运行以及健康发展。
本文对YQ农村商业银行信贷的目前现状进行分析，同时在借鉴北京农村商
业银行优秀的管理经验基础上，提出了关于YQ农商行信贷风险管理的对策与建
议：可以从内外两方面入手：对内就是设置完善的管理层机制，各司其职，完善
组织架构，建立规范体系，积极吸引专业人员加入，制定合理的发展战略，加大
内部员工培训，完善贷款流程，强化贷款监督，对外是净化信用环境，让司法部
门协同清收不良贷款，积极打击老赖行为，同时可以提升农民的征信意识，爱护
自己的经济身份证，积极提高自己的种植技术，从而减轻贷款压力。
结合相关理论基础，提出了推动农村商业银行可持续发展的对策建议，希望
能对农村商业银行的可持续发展提供参考价值。
关键词：农村商业银行；助农贷款；风险管理

ABSTRACT
China is a large agricultural country. In recent years, with the construction of a
new socialist countryside, the implementation of Inclusive Finance and the strategy of
Rural Revitalization. It proves that agriculture is the cornerstone of our country, and
agriculture has made a great contribution to the development of China's production.
Therefore, in China's economic system, the rural economy is directly related to the
achievements of the national economy, and the quality of the rural economy directly
affects the healthy development of the national economy. As the country pays more
and more attention to rural areas, it has gradually raised the three rural issues to the
strategic level.
As the main force of rural finance, rural commercial banks come from rural
credit cooperatives through joint-stock reform according to the needs of the
development of market economy. They are not only important participants in the rural
financial market, but also play an important role in the construction and development
of rural areas. It can not only accelerate the pace of agricultural transformation and
development, but also play an important role in serving agriculture, rural areas and
farmers. Therefore, the sustainable development of rural commercial banks is not only
inseparable from their own development, but also closely related to social stability
and development in a sense.
Bank credit risk is mainly composed of the following reasons: first, objective
reasons, natural and man-made disasters; Second, subjective reasons, that is, the poor
social credit environment makes most borrowers deliberately escape, default and
unwilling to repay; The third is the moral hazard of the personnel of lending
institutions. The internal employees of rural commercial banks collude with the
borrowers, or deliberately issue loans to unqualified lenders, or make excessive loans,
resulting in the failure to repay the loans on time when they are due, and the credit
risk is gradually increased, which endangers the normal operation and healthy
development of banks.
This paper analyzes the current situation of the credit of YQ rural commercial
bank. At the same time, based on the excellent management experience of Beijing
Rural Commercial Bank, this paper puts forward the countermeasures and suggestions
on the credit risk management of YQ Rural Commercial Bank: we can start from both
internal and external aspects: internally, we can set up a perfect management
mechanism, perform their respective duties, improve the organizational structure,

establish a standardized system, actively attract professionals and formulate a
reasonable development strategy, Increase internal staff training, improve the loan
process, strengthen loan supervision, purify the credit environment externally, let the
judicial department cooperate to collect non-performing loans, and actively crack
down on the behavior of Laolai. At the same time, it can improve farmers' awareness
of credit investigation, take good care of their economic ID card, and actively
improve their planting technology, so as to reduce the pressure of loans.
Combined with the relevant theoretical basis, this paper puts forward
countermeasures and suggestions to promote the sustainable development of rural
commercial banks, hoping to provide reference value for the sustainable development
of rural commercial banks。
Keywords：RuralCommercialBank；AgriculturalLoan；RiskManagement
。。。以下略