【摘要】：近年來(lái)多家省級(jí)農(nóng)村信用社大力推廣農(nóng)戶(hù)集中評(píng)級(jí)授信業(yè)務(wù)，該業(yè)務(wù)模式在提高農(nóng)戶(hù)貸款業(yè)務(wù)效率的同時(shí)，也蘊(yùn)含著較大的風(fēng)險(xiǎn)，如果控制不當(dāng)不僅會(huì)直接影響信用社經(jīng)營(yíng)的安全性，也會(huì)影響到整個(gè)農(nóng)村信用體系的健康性。因此，對(duì)農(nóng)戶(hù)集中評(píng)級(jí)授信的信貸風(fēng)險(xiǎn)進(jìn)行研究就顯得十分必要和迫切。鑒于此，本文采用規(guī)范研究與案例研究相結(jié)合的研究模式，以A農(nóng)村信用社為例展開(kāi)對(duì)農(nóng)戶(hù)集中評(píng)級(jí)授信貸款風(fēng)險(xiǎn)管理問(wèn)題的研究。 以農(nóng)村信用社農(nóng)戶(hù)貸款風(fēng)險(xiǎn)因素分析為切入點(diǎn)，通過(guò)對(duì)傳統(tǒng)農(nóng)戶(hù)貸款和集中評(píng)級(jí)授信貸款業(yè)務(wù)流程的比較，對(duì)集中評(píng)級(jí)授信的農(nóng)戶(hù)貸款風(fēng)險(xiǎn)成因進(jìn)行剖析，在此基礎(chǔ)上，以信貸風(fēng)險(xiǎn)管理基本理論為理論依托，設(shè)計(jì)出集風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)評(píng)估和風(fēng)險(xiǎn)控制于一體的農(nóng)村信用社農(nóng)戶(hù)集中評(píng)級(jí)授信貸款業(yè)務(wù)三維風(fēng)險(xiǎn)管控模式。并以A農(nóng)村信用社為案例對(duì)象，對(duì)其農(nóng)戶(hù)集中評(píng)級(jí)授信貸款風(fēng)險(xiǎn)控制體系的建立健全進(jìn)行了系統(tǒng)研究。本文所提出的農(nóng)村信用社農(nóng)戶(hù)集中評(píng)級(jí)授信三維風(fēng)險(xiǎn)管控模式豐富了商業(yè)銀行風(fēng)險(xiǎn)管控理論體系，，對(duì)商業(yè)銀行特別是農(nóng)村信用社農(nóng)戶(hù)集中評(píng)級(jí)授信貸款風(fēng)險(xiǎn)管理實(shí)踐具有重要的借鑒價(jià)值。
[Abstract]:In recent years, a number of provincial rural credit cooperatives have made great efforts to promote farmers' centralized credit rating business. This business model not only improves the efficiency of farmers' loan business, but also contains greater risks. Improper control will not only directly affect the security of the operation of credit cooperatives, but also affect the health of the whole rural credit system. Therefore, it is necessary and urgent to study the credit risk. In view of this, this paper adopts the research mode of combining normative research with case study, taking A rural credit cooperative as an example to study the risk management of farmers' centralized credit rating loan. Based on the analysis of the risk factors of rural household loans in rural credit cooperatives, this paper analyzes the causes of the credit risk of rural households with centralized credit rating by comparing the business processes of traditional farmers' loans with centralized rating loans. Based on the basic theory of credit risk management, this paper designs a three-dimensional risk management model of rural credit cooperatives, which integrates risk identification, risk assessment and risk control. Taking A rural credit cooperative as an example, the paper makes a systematic study on the establishment and perfection of the risk control system of rural households' centralized credit rating loan. The three-dimension risk control model of rural credit cooperatives, which is proposed in this paper, enriches the theoretical system of risk control in commercial banks. It has important reference value for commercial banks, especially farmers of rural credit cooperatives.
【學(xué)位授予單位】：中國(guó)海洋大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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