【摘要】：隨著農(nóng)村金融改革不斷深化,農(nóng)村商業(yè)銀行擴(kuò)張速度不斷加大,網(wǎng)點(diǎn)數(shù)呈倍數(shù)增長(zhǎng),逐漸成為我國(guó)農(nóng)村地區(qū)重要的金融機(jī)構(gòu)。根據(jù)銀監(jiān)局?jǐn)?shù)據(jù)顯示,我國(guó)農(nóng)村商業(yè)銀行信貸風(fēng)險(xiǎn)遠(yuǎn)高于大型商業(yè)銀行及股份制銀行。在這樣的大背景下,做好農(nóng)村商業(yè)銀行信貸風(fēng)險(xiǎn)防范控制工作是進(jìn)一步完善我國(guó)農(nóng)村金融服務(wù)體系、促進(jìn)農(nóng)村區(qū)域經(jīng)濟(jì)發(fā)展的迫切需求。本文在研究過程中采用了文獻(xiàn)法和案例分析法,通過對(duì)國(guó)內(nèi)外銀行信貸風(fēng)險(xiǎn)控制的相關(guān)理論進(jìn)行梳理,以B農(nóng)村商業(yè)銀行(以下簡(jiǎn)稱B銀行)為研究案例,運(yùn)用定性定量結(jié)合的方式分析了 B銀行在信貸風(fēng)險(xiǎn)控制方面的不足,其不足主要體現(xiàn)在不良貸款持續(xù)高位、不良貸款結(jié)構(gòu)不合理、貸款集中度較高三方面,綜合分析信貸風(fēng)險(xiǎn)控制存在問題的內(nèi)外部因素,認(rèn)為B銀行應(yīng)從優(yōu)化信貸風(fēng)險(xiǎn)識(shí)別與評(píng)估、規(guī)范信貸操作流程、完善公司治理結(jié)構(gòu)、建立信貸風(fēng)險(xiǎn)信息系統(tǒng)、加強(qiáng)信貸風(fēng)險(xiǎn)管理監(jiān)督以及推動(dòng)風(fēng)控文化建設(shè)六個(gè)方面入手,提升信貸風(fēng)險(xiǎn)控制水平,強(qiáng)化B銀行核心競(jìng)爭(zhēng)力,保障其健康有序發(fā)展。
[Abstract]:With the deepening of the rural financial reform, the expansion speed of the rural commercial banks is increasing, and the number of nodes is increasing in multiple ways, which gradually becomes an important financial institution in the rural areas of our country. According to the data of the Banking Regulatory Bureau, the credit risk of rural commercial banks is much higher than that of large commercial banks and joint-stock banks. Against this background, it is an urgent need to do a good job in preventing and controlling the credit risk of rural commercial banks in order to further improve the rural financial service system and promote the development of rural regional economy. In the course of the research, this paper adopts the method of literature and case analysis, through combing the relevant theories of bank credit risk control at home and abroad, taking B Rural Commercial Bank (hereinafter referred to as B Bank) as the case study. By using qualitative and quantitative analysis, the paper analyzes the deficiency of Bank B in credit risk control, which is mainly reflected in three aspects: persistent high level of non-performing loans, unreasonable structure of non-performing loans and high concentration of loans. By synthetically analyzing the internal and external factors of credit risk control, it is concluded that bank B should optimize credit risk identification and evaluation, standardize credit operation process, perfect corporate governance structure, and establish credit risk information system. Strengthening the supervision of credit risk management and promoting the construction of culture of risk control, improving the level of credit risk control, strengthening the core competitiveness of Bank B, ensuring its healthy and orderly development.
【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

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