發(fā)布時(shí)間：2018-08-18 08:23

【摘要】：隨著我國農(nóng)村金融的不斷完善和持續(xù)發(fā)展，農(nóng)村銀行業(yè)金融機(jī)構(gòu)對(duì)我國“三農(nóng)”問題的有效解決提供了重要的金融支持。與此同時(shí)，越來越多的金融風(fēng)險(xiǎn)問題也凸顯出來，特別是信用風(fēng)險(xiǎn)已經(jīng)成為社會(huì)各界關(guān)注的焦點(diǎn)。信用風(fēng)險(xiǎn)的有效監(jiān)管和防范，將對(duì)我國農(nóng)村銀行業(yè)金融機(jī)構(gòu)的穩(wěn)定和健康發(fā)展起到舉足輕重的作用。因此，對(duì)我國農(nóng)村銀行業(yè)金融機(jī)構(gòu)信用風(fēng)險(xiǎn)的研究有著重要的理論和現(xiàn)實(shí)意義。另外，通過主要運(yùn)用定性和定量相結(jié)合的方法分析我國農(nóng)村銀行業(yè)金融機(jī)構(gòu)的信用風(fēng)險(xiǎn)將有助于進(jìn)一步深入研究。 我國農(nóng)村銀行業(yè)金融機(jī)構(gòu)的信用風(fēng)險(xiǎn)從側(cè)重信貸的層面，可分為信貸資產(chǎn)集中度風(fēng)險(xiǎn)、信貸資產(chǎn)質(zhì)量風(fēng)險(xiǎn)、信貸資產(chǎn)保證度風(fēng)險(xiǎn)以及信貸資產(chǎn)遷徙風(fēng)險(xiǎn)。結(jié)合我國農(nóng)村金融機(jī)構(gòu)信貸的特點(diǎn)，四個(gè)信用風(fēng)險(xiǎn)又分別包含不同的子風(fēng)險(xiǎn)。在全面分析我國農(nóng)村銀行業(yè)金融機(jī)構(gòu)信用風(fēng)險(xiǎn)成因的基礎(chǔ)上，運(yùn)用層次分析法和模糊綜合評(píng)價(jià)法對(duì)農(nóng)村銀行業(yè)金融機(jī)構(gòu)的信用風(fēng)險(xiǎn)進(jìn)行了內(nèi)外部評(píng)價(jià)分析。通過層次分析法對(duì)信用風(fēng)險(xiǎn)的評(píng)價(jià)，，得出了信用風(fēng)險(xiǎn)內(nèi)部層次結(jié)構(gòu)中各個(gè)風(fēng)險(xiǎn)指標(biāo)的權(quán)重，評(píng)價(jià)結(jié)果顯示信貸資產(chǎn)質(zhì)量風(fēng)險(xiǎn)對(duì)信用風(fēng)險(xiǎn)影響最大；通過模糊綜合評(píng)價(jià)法對(duì)信用風(fēng)險(xiǎn)整體狀況的評(píng)價(jià)表明:雖然農(nóng)村銀行業(yè)金融機(jī)構(gòu)信用風(fēng)險(xiǎn)狀況整體良好，但仍需要加強(qiáng)防范。針對(duì)信用風(fēng)險(xiǎn)評(píng)價(jià)結(jié)果，并結(jié)合信用風(fēng)險(xiǎn)的成因，我國農(nóng)村銀行業(yè)金融機(jī)構(gòu)的信用風(fēng)險(xiǎn)的防范應(yīng)采取長短期相結(jié)合的治理措施，短期的重點(diǎn)主要是持續(xù)提升信貸資產(chǎn)質(zhì)量、健全農(nóng)村抵押擔(dān)保體制和完善可行的信用風(fēng)險(xiǎn)管理問責(zé)制；長期對(duì)策主要是保持穩(wěn)定并持續(xù)的宏觀經(jīng)濟(jì)政策、加快完善統(tǒng)一的信用體系網(wǎng)絡(luò)、建立完善的農(nóng)村信用風(fēng)險(xiǎn)防范體制、積極推動(dòng)農(nóng)村的金融創(chuàng)新等。這些對(duì)策的有效實(shí)施將對(duì)我國農(nóng)村銀行業(yè)金融機(jī)構(gòu)防范和化解信用風(fēng)險(xiǎn)、保持其穩(wěn)健經(jīng)營和持續(xù)發(fā)展起到重要的推進(jìn)作用。
[Abstract]:With the continuous improvement and sustainable development of rural finance, rural banking financial institutions provide important financial support for the effective solution of the "three rural" problems in China. At the same time, more and more financial risk problems are also highlighted, especially credit risk has become the focus of attention. Effective supervision and prevention of credit risk will play an important role in the stability and healthy development of rural banking financial institutions. Therefore, the study of credit risk of rural banking financial institutions in China has important theoretical and practical significance. In addition, it will be helpful to further study the credit risk of rural banking financial institutions in China through the combination of qualitative and quantitative methods. The credit risk of rural banking financial institutions in China can be divided into credit asset concentration risk, credit asset quality risk, credit asset guarantee risk and credit asset migration risk. According to the credit characteristics of rural financial institutions in China, the four credit risks contain different sub-risks. Based on the comprehensive analysis of the causes of credit risk of rural banking financial institutions in China, the internal and external evaluation of credit risk of rural banking financial institutions is analyzed by using the analytic hierarchy process and fuzzy comprehensive evaluation method. Through the evaluation of credit risk by AHP, the weight of each risk index in the internal hierarchy structure of credit risk is obtained. The evaluation result shows that the risk of credit asset quality has the greatest influence on credit risk. The evaluation of the overall situation of credit risk by fuzzy comprehensive evaluation method shows that although the credit risk of rural banking financial institutions is in good condition, it is still necessary to strengthen prevention. According to the results of credit risk evaluation and the causes of credit risk, the prevention of credit risk of rural banking financial institutions in our country should take long-term and short-term management measures, the focus of which is to continuously improve the quality of credit assets. Improve the rural mortgage guarantee system and perfect the feasible credit risk management accountability system; the long-term countermeasures are mainly to maintain a stable and sustained macroeconomic policy, accelerate the improvement of a unified credit system network, Establish a sound rural credit risk prevention system, actively promote rural financial innovation. The effective implementation of these countermeasures will play an important role in preventing and defusing the credit risk and maintaining the steady operation and sustainable development of our country's rural banking financial institutions.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35

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