农业政策性金融机构信贷风险防控分析——以××农业发展银行为例-analysis on credit risk prevention and control of agricultural policy financial institutions - taking xx agricultural development bank as an example.docxVIP

贵州大学工商管理硕士学位论文 PAGE PAGE IV 摘 要 中国农业发展银行是我国唯一一家农村政策性金融，自 1994 年成立以来， 根据国务院要求，致力于支持农业和农村经济发展。今年中央 1 号文件明确要求: “农业发展银行要继续加大国家对农业农村的投入力度。按照总量持续增加、比 例稳步提高的要求，不断增加三农投入”。由于农业的弱质性和农发行自身改革 与发展的原因，信贷风险防控形势比较严峻。通过以××农业发展银行省级为例， 从该行信贷风险防控的现状出发，剖析信贷风险防控存在的问题，深入阐述完善 政策性金融风险防控的对策。本文共分 5 个章节，第一章主要讲述本文的选题背 景、选题意义和国内外研究发展现状；第二章从信贷风险的概念和类型，信贷风 险防控手段和主要技术方法等方面，结合农业政策性金融应用实际，介绍信贷风 险防控的基本理论和方法；第三章主要以××农业发展银行为例，针对政策性金 融实例开展分析剖析，找出症结；本文第四章为全行重点，主要针对完善农业政 策性金融信贷风险防控提出完善建议；第五章主要是结论与展望。本文结合巴塞 尔协议和现代银行要求，提出了进一步完善银行内部控制体系和信贷风险监测预 警体系的对策建议；针对信贷风险防控文化建设，从制度文化、合规文化和员工 行为文化等方面，提出加强和改进的对策；通过深入分析农业政策性金融所面临 的信用环境，从营造宏观信用环境和培育微观信用环境两个方面，提出了相应的 对策建议。 关键词：农业发展银行，信贷风险，防范和控制 PAGE PAGE V Abstract The Agricultural Development Bank of China is the only agricultural policy banking in china., in line with the requirements of the State Council , it has been working for supporting the development of agriculture and rural economy since 1994. According to the demands in deferent period ,it adjusted its business for several times .This year, No.1 instruments of the Party Central Committee said , “The Agricultural Development Bank of China must go on enlarging the input to agriculture and rural area. In accordance with the requirements, that is, sustained growth in total input and stable raising in proportion ,it increased the input in agriculture, ,rural area and rural economy constantly( san nong ).” The Agricultural Development Bank of China also widened the range of the supporting agriculture, ,rural area and rural economy constantly. It made the credit business increase effectively. However, because of the disadvantage of agriculture and reforming and development of The Agricultural Development Bank of China ,it has to face the problem, that is, the protection from the credit venture . This paper is organized into five chapters, The first chapter describes the background, the significance and the research and development status at home and abroad of the topic. The second chapter combined wit