發(fā)布時(shí)間：2018-01-01 22:20

  本文關(guān)鍵詞：吉林省某銀行涉農(nóng)貸款風(fēng)險(xiǎn)管理研究　出處：《吉林大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 涉農(nóng)貸款 風(fēng)險(xiǎn)管理 信用風(fēng)險(xiǎn) 市場風(fēng)險(xiǎn) 操作風(fēng)險(xiǎn)

【摘要】：隨著我國農(nóng)村經(jīng)濟(jì)改革的深入，涉農(nóng)貸款作為支撐農(nóng)業(yè)發(fā)展的重要部分，在促進(jìn)農(nóng)業(yè)科技進(jìn)步，提升農(nóng)業(yè)基礎(chǔ)設(shè)施及提高農(nóng)民收入等方面發(fā)揮了重要的作用。吉林省某銀行做為服務(wù)三農(nóng)的重要力量，涉農(nóng)貸款投放比例和投放金額逐年提高，初步探索出具有一定覆蓋性和功能性的涉農(nóng)貸款發(fā)展模式，但涉農(nóng)貸款仍面臨著信用、市場和操作等諸多的風(fēng)險(xiǎn)因素。實(shí)現(xiàn)涉農(nóng)貸款的可持續(xù)發(fā)展需要從貸款風(fēng)險(xiǎn)管理入手，揭示出目前涉農(nóng)貸款風(fēng)險(xiǎn)管理中存在的問題及成因，據(jù)此從機(jī)制上對(duì)涉農(nóng)貸款的風(fēng)險(xiǎn)管理措施進(jìn)行調(diào)整，以期達(dá)到降低涉農(nóng)貸款風(fēng)險(xiǎn)的目的。 本文通過對(duì)吉林省某銀行涉農(nóng)貸款業(yè)務(wù)實(shí)地?cái)?shù)據(jù)資料整理和分析，總結(jié)了影響變量涉農(nóng)貸款風(fēng)險(xiǎn)管理的指標(biāo)因素，運(yùn)用因子分析方法辨識(shí)出主要影響因素，，提出降低涉農(nóng)貸款風(fēng)險(xiǎn)的對(duì)策建議。文章分為以下幾個(gè)部分：第一部分，集中闡述本文研究的背景與意義，指出論文的研究方法、路線，列出文章結(jié)構(gòu)和主要內(nèi)容。第二部分：概念界定及基礎(chǔ)理論。對(duì)涉農(nóng)貸款和風(fēng)險(xiǎn)管理的相關(guān)概念進(jìn)行了界定，指出涉農(nóng)貸款風(fēng)險(xiǎn)管理的特征。第三部分：吉林省某銀行的涉農(nóng)貸款風(fēng)險(xiǎn)管理現(xiàn)狀的分析。從吉林省某銀行涉農(nóng)貸款業(yè)務(wù)規(guī)模、貸款結(jié)構(gòu)、金融資產(chǎn)質(zhì)量等情況來具體分析影響吉林省某銀行的涉農(nóng)貸款的風(fēng)險(xiǎn)現(xiàn)狀，全面分析信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)和市場風(fēng)險(xiǎn)和經(jīng)濟(jì)資本的狀況。結(jié)合吉林省某銀行實(shí)際，從問題及成因兩個(gè)角度來分析涉農(nóng)貸款現(xiàn)有的主要風(fēng)險(xiǎn)，并解釋其影響的范圍。第四部分：吉林省某銀行涉農(nóng)貸款風(fēng)險(xiǎn)的實(shí)證分析�？偨Y(jié)風(fēng)險(xiǎn)管理指標(biāo)數(shù)據(jù)，運(yùn)用因子分析方法和步驟，找出影響風(fēng)險(xiǎn)管理水平的主要指標(biāo)，得出風(fēng)險(xiǎn)管理和控制的結(jié)論。第五部分：降低吉林省某銀行涉農(nóng)貸款風(fēng)險(xiǎn)的對(duì)策建議。主要包括：構(gòu)建全面風(fēng)險(xiǎn)管理體系，建立相關(guān)信用風(fēng)險(xiǎn)控制機(jī)制，強(qiáng)化操作風(fēng)險(xiǎn)的評(píng)估和連續(xù)性管理，加強(qiáng)市場風(fēng)險(xiǎn)監(jiān)測(cè)管理，培育全員的風(fēng)險(xiǎn)管理意識(shí)，加強(qiáng)涉農(nóng)貸款業(yè)務(wù)管理的相關(guān)培訓(xùn)等。第六部分：對(duì)本文進(jìn)行總結(jié)。
[Abstract]:With the deepening of the reform of the rural economy, as an important part of agricultural loans to support agricultural development, in promoting the progress of agricultural science and technology, has played an important role in promoting the agricultural infrastructure and increase farmers' income. A bank of Jilin Province, an important force for rural services, agriculture related loans ratio and delivery amount increased year by year. Preliminary exploration with certain coverage and functional development of agriculture related loans mode, but agricultural loans is still faced with credit, market and operation risk factors. To start from the loan risk management to realize the sustainable development of agriculture related loans, reveals the problems and causes of the current agricultural loan risk management, accordingly from the mechanism on the agricultural loan risk management measures adjusted to reduce agricultural loan risk.
Based on the collation and analysis of Jilin province agriculture bank loan business field data, summarizes the influence variables of agriculture related loans risk management index, using the method of factor analysis to identify the main factors, put forward countermeasures and suggestions to reduce agricultural loan risk. This chapter is divided into the following parts: the first part focuses on the background and significance in this paper, points out the research methods, the paper lists the route, structure and main content of this article. The second part: the definition and basic theory. The related concepts of agricultural loans and risk management were defined, pointed out the characteristics of agriculture related loans risk management. The third part: the analysis of agricultural loan risk management of a bank in Jilin province from the Jilin Province bank agricultural loans, loan structure, financial assets quality and to analyze the impact of a bank in Jilin Province The risk status of agricultural loans, a comprehensive analysis of the credit risk, operation risk and market risk and economic capital situation. Combined with the Jilin Province bank, to analyze the main risk of agriculture related loans from the existing two aspects of problems and causes, and explain its effect. The fourth part: the empirical analysis of Jilin province agriculture loans a bank the summary of the risk management. The risk index data, using factor analysis method and steps, to find out the influence of main indicators of the level of risk management, the risk management and control of the conclusion. The fifth part: the countermeasures to reduce Jilin Province bank agricultural loan risk. Mainly includes: the construction of a comprehensive risk management system, establish credit risk control mechanism. Evaluation of strengthening operation risk and continuity of management, strengthen the market risk monitoring and management, fostering full awareness of risk management, strengthen the agricultural loan business management The sixth part: a summary of this article.

【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.43;F832.33

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