农村信用合作社改制农村商业银行的信贷风险及防范.docVIP

农村信用合作社改制农村商业银行的信贷风险及防范 题 目 农村信用合作社转制农村 商业银行的信贷风险及防范 姓 名 陈艳萍 学 号 20080400087 所在学院 财经学院 年级专业 2008级财务管理 指导教师 王安国 职称 副教授 完成时间 2012 年 4 月 20 日 指导教师评语（可另附A4纸）： 评定成绩： 指导教师签名： 答辩小组意见（可另附A4纸）： 评定成绩： 答辩小组长签名： 综合评定成绩： 日期： 日期： 农村信用合作社转制农村商业银行信用风险及防范 陈艳萍 财经学院 2008级财务管理 摘 要：农村信用合作社和农村商业银行是农村金融的主力军和联系农民的金融纽带，有着举足轻重的地位。2003年，全国开始进行农村信用合作社转制农村商业银行的试点工作，在取得成效的同时，也面临着很多问题，如何防范信贷风险就是其中比较突出的一个。为了能让农村信用合作社和农村商业银行发挥应有的作用，并且顺利完成转制工作，对其面临的信贷风险进行研究并且提出防范措施就非常必要了。 Credit Metrics模型对信贷风险进行量化，并且以某正在转制的农村信用合作社作为例证，运用Credit Metrics模型量化其信贷风险，证明这种风险管理方法是农村商业银行防范信贷风险的一个有效途径。 关键词：农村信用合作社转制农村商业银行；信贷风险；Credit Metrics模型 Credit Risk and Prevention of the Conversion of Rural Credit Cooperatives for Rural Commercial Banks Chen Yanping School of Finance Abstract: Rural credit cooperatives and rural commercial banks are the main force of rural finance and the financial ties to contact famers, have a pivotal position. In 2003, we started the pilot work of the conversion of rural credit cooperatives for rural commercial banks, at the same time that we had success, we also faced with many problems, how to guard against credit risk is one of them. In order to let the rural credit cooperatives and the rural commercial banks play their due roles and I complete the work of conversion successfully, it is necessary to research their credit risk and propose the preventive measures. This article described the historical background and current situation of the conversion of rural credit cooperatives for rural commercial banks, described the credit risk of conversion from the four aspects: credit risk, market risk, operational risk and moral hazard. And then we analysed the reasons of the credit risk, and preventive measures for different factors. The article not only studied the credit risk faced by the rural commercial banks with the qualitative approach, but also used the Cre