学校代码：10378密级：
分类号：
硕士学位论文
X 银行安徽分行农户生产经营贷款风险
管理优化研究
学 号： 3201900736
学生姓名： 徐 赫
学位类别： 专业硕士
专业名称： 工商管理
研究方向： 风险管理
导师姓名： 万光彩 教授
二○二一年九月
School code ：10378Security：
Classification：
Study on Optimizing Risk Management
of Farmers’ Production and Operation
Loans in Bank X Anhui Branch
Student ID：3201900736
Name：XuHe
Degree category：Professional master
The professional name：Business administration
Research direction：Risk management
Tutor’s name：Guangcai Wan professor
September, 2021
X 银行安徽分行农户生产经营贷款风险管理优化研究
摘 要
2021 年，我国脱贫攻坚战已经取得全面胜利，乡村振兴作为党的十九大提出的
一项重要战略，逐渐成为开启中国未来三十年改革发展的新引擎。对于商业银行而言，
乡村市场的开辟与稳固，不仅可以加快转型发展的步伐，更能从战略角度赢得乡村蓝
海的发展契机。农户生产经营贷款就是商业银行服务乡村振兴的一项重要业务，该项
业务发展的好坏，对商业银行扎根农村市场至关重要。而农业生产天然具有弱质性、
农村缺乏健全的信用体系、农户缺少资产和抵押物，这些不利因素都决定了商业银行
发展农户生产经营贷款的风险管理难度较大。
基于此，本文以 X 银行安徽分行为例，对农户生产经营贷款风险管理现状开展
调查和分析，结合相关理论知识和实地调研成果，探索现有风险管理流程中存在的不
足，并针对问题提出优化农户生产经营贷款风险管理的策略，以期能够为 X 银行安
徽分行信贷风险管理体系的完善提供有效建议，同时也为安徽省其他银行深入农村市
场提供有益启发。
具体地，在对农户生产经营贷款风险类型、特征分析等基本理论研究的基础上，
通过实地访谈和资料调阅，并以亳州市蒙城县、芜湖市繁昌区两个具有代表性的案例
来进行深度剖析，本文基本厘清了 X 银行安徽分行开展相关业务面临的主要风险。
并分别从信用风险、操作风险、市场风险、自然灾害风险四个维度对具体风险管理情
况逐一进行了梳理，分析问题出现的内外部原因。笔者结合理论学习和研究成果，从
事前、事中、事后等角度对X 银行安徽分行农户生产经营贷款的信用风险管理、操作
风险管理、市场风险管理、自然风险管理提出了优化建议，认为要通过金融的力量，
促进农村金融市场各类要素充分流通，构建有信用、有约束、有补偿的农户金融生态
和信用体系，促进相关业务的发展和农村金融普惠的覆盖。
最后，笔者在总结 X 银行安徽分行经验的基础上对农户生产经营贷款风险管理
进行总结，并对当前研究的存在的局限性加以说明，展望了未来的研究方向。
关键词：农户生产经营贷款；风险管理；策略优化
1 X 银行安徽分行农户生产经营贷款风险管理优化研究
ABSTRACT
In 2021, country;s fight against poverty has been fully won. Rural revitalization, as an
important strategy put forward by the 19th National Congress of the Party, has gradually
become a new engine for China;s reform and development in the next three decades. For
commercial banks, the development and stability of the rural market can not only accelerate
the pace of transformation and development, but also win the development opportunity of
the rural blue ocean from a strategic point of view. Farmer production and operation loans
are an important business for commercial banks to serve rural revitalization. The
development of this business is critical for commercial banks to take root in the rural market.
However, agricultural production is naturally weak, lack of a sound credit system in rural
areas, and lack of assets and collateral by farmers. These unfavorable factors all determine
that it is more difficult for commercial banks to develop farmers; production and operation
loans for risk management.
Based on this, this article uses X Bank Anhui branch as an example to investigate and
analyze the current situation of rural households’ production and operation loan risk
management. Combining relevant theoretical knowledge and field research results, this
article explores the shortcomings in the existing risk management process, and proposes
optimizations for the problems. The risk management strategy of farmer production and
operation loans is expected to provide effective suggestions for the improvement of the credit
risk management system of Bank X in Anhui Branch, and at the same time provide useful
inspiration for other banks in Anhui Province to penetrate the rural market.
Specifically, on the basis of basic theoretical research on the types and characteristics
of farmer’s production and operation loan risks, through field interviews and data review,
and two representative cases in Mengcheng County, Bozhou City and Fanchang District,
Wuhu City Through in-depth analysis, this article has basically clarified the main risks faced
by Bank X Anhui Branch in carrying out related businesses. It also combed the specific risk
management situation one by one from the four dimensions of credit risk, operational risk,
market risk, and natural disaster risk, and analyzed the internal and external causes of the
problems. Combining theoretical study and research results, the author puts forward
optimization suggestions on credit risk management, operational risk management, market
risk management, and natural risk management of agricultural household production and
I