我国村镇银行信贷风险管理探究.docVIP

内容摘要 “三农”问题始终是制约我国经济社会发展的根本问题。而农村 资金短缺，农业发展滞后，农民贷款难是制约“三农”发展的关键所 在。在此背景下，国家提倡大力发展农村金融事业，村镇银行应运而 生，并且在国家政策扶持和农村金融市场的引导下具备很强的发展动 力。然而信贷风险一直是各类商业银行风险管理的主要内容，村镇银 行也不例外，甚至在特殊的金融环境以及新型金融机构身份的限制 下，面临更加严重的信贷风险，而事实上，村镇银行信贷风险管理缺 乏经验，仍然处在“摸着石头过河”的阶段。 本文主要致力于从多角度分析我国村镇银行的信贷风险及风险 成因，剖析我国村镇银行风险管理现状及发展过程中存在的问题，并 针对上述的问题提出有效的解决对策。全文重点在后三个部分，我们 都知道特殊的金融环境，使得我国村镇银行同时面临着来自市场、服 务对象和自身组织结构等多方面的风险，其中信贷风险最为重要，因 而，信贷风险分析及风险管理对策就理所当然的成为本文研究的重 占o 八、J O 关键词：农村金融；村镇银行；信贷风险；风险管理 Abstract HThree rural issue has always been restricting Chinas economic and social development of the underlying problem. The shortage of rural funds, agricultural development lags behind, restricting Ioans to farmers have been the outstanding problemsduring the developmentof three rural/? In this context, the state vigorously promote the development of rural financial industry , rural banks came into being , under the guidance of national policy support towns and rural financial markets with a strong impetus to the development bank ? Credit risk has been the main content of various types of commercial bank risk management, and Rural Bank is no exception, even Face more severe credit risk under the limitation of special financial institutions and financial environment and new identity. Actually, rural banks is still in the ntrial and error H stage due to the lack of credit risk management experience? This paper focuses on the analysis from multiple perspectives credit risk and country risk causes of rural banks , rural banks risk management analysis of Chinas current situation and problems in the development process , and propose effective countermeasures against these problems. After three sections focus entirety , we all know the special financial environment, making our village banks while facing many risks from the market, clients and their organizational structure , including the credit risk of the most important, and therefore，credit risk analysis and risk Management Measures on course to become the focus of this