本文關鍵詞： 農村信用社合并組建 農村商業(yè)銀行 風險管理　出處：《湘潭大學》2016年碩士論文　論文類型：學位論文

【摘要】：隨著經濟的快速發(fā)展,銀行業(yè)改革的不斷加深,給我國農村信用社的生存和發(fā)展帶來了嚴峻的挑戰(zhàn),大部分農村信用社已經資不抵債,到了破產邊緣。資金實力不足、服務水平有限以及不良資產過高等是農村信用社面臨的主要問題。在這種經濟環(huán)境下,農村信用社的經濟實力很難在城市商業(yè)銀行中有立足之地,所以合并組建成為商業(yè)銀行是農村信用合作社的主要出路。邵陽市區(qū)存在的金融機構以大型商業(yè)銀行為主,華融湘江銀行等中小銀行靠其獨特政策快速發(fā)展,在農村市場領域中,農村信用社也不再是一枝獨秀,越來越多的金融機構選擇進入農村市場,邵陽市的農村信用社處于嚴峻的市場競爭環(huán)境之中。2012年1月,邵陽市第一家合并組建的地方性商業(yè)銀行——寶慶農村商業(yè)銀行股份有限公司(以下簡稱寶慶農商行)成立,但合并組建后的寶慶農商行發(fā)展速度較為緩慢,決定再次與邵陽市城郊農村信用合作聯社(以下簡稱城郊聯社)合并組建成為邵陽農村商業(yè)銀行。本文基于合并組建邵陽農村商業(yè)銀行的背景,在大量閱讀相關文獻的基礎上,首先闡述了邵陽市兩家農村信用合作社合并改制的可行性和必要性,然后結合現實數據從信用風險、市場風險、操作風險、法律風險以及聲譽風險這五個角度重點剖析了邵陽農村商業(yè)銀行合并組建前存在的各類風險及其產生的具體原因,最后從加強外部監(jiān)管和完善內部風險防范方兩個方面提出相應的對策。農村信用社必須加快轉型步伐,提升銀行硬實力,擴寬發(fā)展空間,所以農村信用社的合并組建是在新的經濟環(huán)境下做出的正確抉擇。本文通過分析合并組建邵陽農村商業(yè)銀行面臨的各種風險,提出解決對策,為全省農村信用社的合并組建提供借鑒。
[Abstract]:With the rapid development of economy and the deepening of banking reform, the survival and development of rural credit cooperatives in our country have brought severe challenges. Most rural credit cooperatives have been insolvent and have reached the brink of bankruptcy. Limited service and high non-performing assets are the main problems facing rural credit cooperatives. In this economic environment, it is very difficult for rural credit cooperatives to have a foothold in urban commercial banks. Therefore, the merger and formation of commercial banks is the main way out for rural credit cooperatives. The financial institutions in Shaoyang are mainly large commercial banks, and small and medium-sized banks such as Huarong Xiangjiang Bank have developed rapidly by their unique policies. In the field of rural market, rural credit cooperatives are no longer alone, more and more financial institutions choose to enter the rural market, Shaoyang rural credit cooperatives are in a severe market competition environment. January 2012, Baoqing Rural Commercial Bank Co., Ltd. (Baoqing Rural Commercial Bank Co., Ltd.), the first local commercial bank in Shaoyang City, was formed, but the pace of development of Baoqing Agricultural Commercial Bank after the merger was relatively slow. It is decided that Shaoyang Rural Credit Cooperation Association (hereinafter referred to as the suburb Cooperative Society) will be merged into Shaoyang Rural Commercial Bank again. This paper, based on the background of the merger and formation of Shaoyang Rural Commercial Bank, and on the basis of reading a large number of relevant documents, Firstly, the feasibility and necessity of merging and reforming two rural credit cooperatives in Shaoyang City are expounded, and then the credit risk, market risk and operation risk are combined with the actual data. Legal risk and reputation risk are the five angles to analyze the various kinds of risks and their specific reasons before the merger of Shaoyang Rural Commercial Bank. Finally, the corresponding countermeasures are put forward from two aspects: strengthening external supervision and perfecting internal risk prevention. Rural credit cooperatives must quicken the pace of transformation, enhance the hard power of banks and broaden the development space. Therefore, the combination of rural credit cooperatives is the correct choice in the new economic environment. For the province's rural credit cooperatives to provide reference for the merger of the formation.
【學位授予單位】：湘潭大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.35
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本文編號：1507552