新沂农村合作银行信贷风险管理现状.docVIP

摘 要 信贷风险是所有银行所面临的主要风险之一。目前农村合作银行我国农村金融的主力军，是联系农民的金融纽带，对服务“三农”和促进农村经济发展至关重要。但是由于历史的和现实的原因，农村合作银行的信贷风险管理水平一直不高，农村合作银行的信贷风险管理水平关系着其未来的生存与发展。本文以信贷风险管理理论为基础，从风险管理理论的角度结合新沂农村合作银行的实际情况，探讨其贷款风险控制的改善。从而希望能够从一定程度上为新沂农村合作银行风险控制问题的解决提供帮助。 本文首先对现有的信贷风险管理理论进行梳理，同时与农村金融环境相结合提出开展研究的视角。然后阐述风险管理理论的基本理论框架。在此理论基础上，结合新沂农村合作银行经营现状，运用风险管理理论分析该行贷款风险管理方面存在的问题，剖析产生的根源。最后本文提出几点改善建议，希望能以“它山之石”来“攻玉”。 总之，农村合作银行作为我国银行体系的新生力量，在化解金融风险、解决中小企业融资难方面都起到不可忽视的作用，认真研究新沂农村合作银行信贷管理方面存在的难题，找到实用的改善措施，帮助农村合作银行提高资产质量，加快发展，对推动地方经济、建设和谐社会都有着重要的意义。 关键词：新沂农村合作银行； 信贷风险管理； 优化策略 ABSTRACT Credit risk is one of the main risks of the bank facing. Currently ,rural cooperative banks is the main force of Chinas rural finance and also is ties that contact farmers financial to the service three rural and promoting rural economic development. However, due to historical and practical reasons, rural cooperative banks in credit risk management is not high, rural cooperative banks in credit risk management relates to its future survival and development. In this paper, based on the theory of credit risk management, give risk management theory from the perspective of integration of rural cooperative banks, then based on Xinyi rural cooperative bank actual situation of the risk management and proposed some suggestions. I hope to help Xinyi rural cooperative bank can solve risk management problem in a certain. Firstly, this paper sort out the existing credit risk management theory , while combined with the rural financial environment . Then explain the basic risk management theory framework. In this theory, combined with Xinyi status of rural cooperative banks, application of risk management theory to analyze the line of credit risk management problems, analyze root causes. Finally, make a few suggestions for improvement. In short, rural cooperative banks as a new force in Chinas banking system, in resolving the financial risks, and solve the financing difficulties of SMEs have both played an essential role. Keywords：Xinyi rural co