学生论文
|
论文查询结果 |
返回搜索 |
|
|
|
| 论文编号： | 9900 | |
| 作者编号： | 2220150538 | |
| 上传时间： | 2018/5/26 21:06:23 | |
| 中文题目： | 中成村镇银行涉农信贷风险管理研究 | |
| 英文题目： | Research on Agriculture-related Loans’ Risk Management of Zhongcheng Rural Bank | |
| 指导老师： | 李莉 | |
| 中文关键字： | 中成村镇银行；信贷风险；涉农信贷风险管理 | |
| 英文关键字： | ZC rural bank；loan risk；agriculture-related loans risk management | |
| 中文摘要： | 摘要根据中央政府2018年对金融行业实施“强监管控风险”的精神，涉农信贷风险管理成为当前中成村镇银行日常经营管理中面临的最为核心的风险之一。强化涉农信贷风险管理，能够做到有效识别风险、防范涉农信贷风险，将潜在风险可能发生的损失降到最低程度，以确保中成村镇银行的资金安全，是中成村镇银行一项持续性的工作和系统性的工程。近些年以来，中成村镇银行在涉农信贷风险管理中已经做了大量的实践探索，也积累了大量了风险防控经验。由于涉农行业的特殊性和弱质性，使得中成村镇银行定位于扶持“三农”行业金融服务上，需要承担更高的信贷风险，加上涉农行业自身经营状况稳定性较差，也客观上造成了中成村镇银行涉农信贷风险的加剧。近几年来，中成村镇银行在内部涉农信贷风险管理上也出现了业绩压力导致盲目业务扩张，村镇银行与农户信息不对称程度较高，现有产品难以适应多样化地域环境，和风险控制手段难以满足需要等问题。本文主要从银行内部自身分析造成中成村镇银行涉农信贷风险管理问题的成因。文章从国家政策、经济环境、社会因素、技术手段等方面分析内部问题状况，本文还结合了村镇银行自身的劣势、机遇和挑战等方面分析了中成村镇银行的涉农信贷风险管理状况。根据以上问题，本文的最后给出了针对性的建议，提出了提高风险风控意识，通过信用评级降低信息不对称，产品创新适应地域特征，优化完善风险防控手段和机制等多项举措。关键词：中成村镇银行；信贷风险；涉农信贷风险管理 | |
| 英文摘要： | Abstract Due to the “strong regulatory & risk control” policy to financial industry from the Central Government 2018, agriculture-related loans risk management is one of main core risks in daily operating in Zhongcheng Rural Commercial Bank (ZCRCB) so far. Reinforcement of management for agriculture-related loans would minimize the loss of potential risk; it is a persistent task and systematic engineering to ensure funds safety by efficient risk identity, precaution of agriculture-related loans risks. In recent years, ZCRCB has done lots of exploration on practices in management of agriculture-related loans, and has gathered amount of risk control experience. Due to the particularity and weakness of agriculture-related, ZCRCB need to undertake more loans risk on locating to support financial service for “issues of agriculture”. And worse stability in self-operating in agriculture-related industry caused aggravation of agriculture- related loans risks to ZCRCB objectively. In the recent years, blindly expansion under evaluation pressure, asymmetric information with rural household, present product hard to adapt to complex territory, and risk-control methods hard to satisfy market needs etc internally in ZCRCB. This article mainly analyze the factors may caused the problems of agriculture- related risk management to the ZCRCB-self internally. Article analyzes internal problems from Political issue, Economic issue, Social issue and Technology issue (PEST Analysis); analyze status of agriculture- related risk management by ZCRCB- self Strengths, Weakness, Opportunities and Threat (SWOT Analysis). The article suggests pertinence advice due to the problems, such as enforcement ideology of risk-control, minimize asymmetric information by customer rating, product innovation to adapt to complex territory, optimizing of methods’ of risk- control and mechanism etc. Key words: ZC rural bank；loan risk；agriculture-related loans risk management | |
| 查看全文： | 预览 下载(下载需要进行登录) |