HC村镇银行信贷风险管理优化研究

Abstract

Risk management is an eternal hot topic in such areas as economy,politics,and academic world.As for banking,it is also very important.Rural banks are the major component for its financial development,which is an innovative way to solve many existing problems in Cina,such as low covering of banking institutions in villages,insufficient to supply financial support and financial services.They play a positive role in activating the rural financial market and providing new approaches to rural financial supply.However,as they have been operated for just a short time,a brand-new form in rural financial organizations,they inevitably exist many problems.Before finally deciding the research topic of this paper,the theories relating to credit risk management,an on-the-spot investigation to the HC rural bank,and its management of the credit risk have been studied.

The paper,making the HC rural bank as the research background and applying the way of discovering problems,analyzing the problems and finally providing solutions as the research method,aims to supply some advice and reference to the development of the HC rural bank.Firstly,theoretical aspects as credit risk and rural banks development are carried out.Then,a brief introduction to the general information of the HC rural bank and its credits business development has been made,including the flow chart of credits business,pre-loan investigation,risk management in loans，post-loan management,insurance mechanism,loan repayment methods.Finally,solutions to the existing problems of the HC rural bank are provided from such respects as pre-loan risk management,risk management in loans，post-loan risk management,credit risk control,creation of loan products and risk management support measures.

The establishment of rural banks in China is not long,but it has developed rapidly. Because there are some problems in the business process,the problem of credit risk is more prominent.In this paper,through research on HC rual banks,the purpose of this study is to study the current status of the bank's credit business and current credit risk management issues and causes,and propose targeted credit risk management optimization programs to provide reference for other rural banks'credit risk management,so that the rural banks under the background of an era of rapid economic development,under the premise of stably and

efficiently improving their own development capabilities,they will better drive the rural economy.

Key words:rural banks,credit risk,risk management,optimization research

Research Type:Applied Research

目录

摘要.........................................................................................................................................I Abstract......................................................................................................................................II 第一章导论. (1)

1.1选题背景与研究意义 (1)

1.1.1选题背景 (1)

1.1.2研究意义 (2)

1.2研究对象与研究方法 (2)

1.2.1研究对象 (3)

1.2.2研究方法 (3)

1.3基本思路与框架结构 (3)

1.3.1基本思路 (3)

1.3.2基本框架 (4)

1.4可能的贡献之处 (4)

第二章相关理论概述 (6)

2.1村镇银行相关理论 (6)

2.1.1村镇银行定位 (6)

2.1.2村镇银行特殊性 (6)

2.1.3村镇银行与商业银行相比较 (6)

2.1.4村镇银行设立数量和分布情况 (7)

2.1.5村镇银行发展前景 (8)

2.2信贷风险理论概述 (9)

2.3信贷风险管理理论概述 (9)

2.3.1信贷风险管理 (9)

2.3.2银行信贷风险管理 (10)

2.4国内外研究综述 (11)

2.4.1国外研究综述 (11)

2.4.2国内研究综述 (12)

第三章HC村镇银行信贷业务风险管理的现状及存在问题 (14)

3.1HC村镇银行概况 (14)

3.2HC村镇银行信贷业务风险管理体系 (15)

3.2.1HC村镇银行信贷风险管理架构 (15)

3.2.2HC村镇银行担保机制与贷款产品 (16)

3.2.3HC村镇银行贷前调查 (17)

3.2.4HC村镇银行贷中管理 (18)

3.2.5HC村镇银行贷后管理 (19)

3.2.6贷款数据分析与农户问卷调查 (20)

3.3HC村镇银行信贷风险管理存在问题分析 (21)

3.3.1HC村镇银行组织架构设置不科学 (21)

3.3.2贷前风险管理存在的问题 (22)

3.3.3贷中风险管理存在的问题 (23)

3.3.4贷后风险管理存在的问题 (23)

3.3.5HC村镇银行贷款产品单一 (24)

3.3.6信用评级体系不健全 (24)

3.4HC村镇银行信贷风险管理成因 (24)

3.4.1外部原因 (24)

3.4.2内部原因 (25)

第四章HC村镇银行信贷风险管理优化方案设计 (28)

4.1HC村镇银行信贷风险管理优化方案设计目标 (28)

4.2HC村镇银行贷前风险优化方案 (28)

4.2.1深入贷前信息调查与分析 (28)

4.2.2建立农户信用评级体系 (29)

4.2.3提高社会中介机构的有效监督 (30)

4.3HC村镇银行贷中风险管理优化方案 (30)

4.3.1信贷流程细节监管 (30)

4.3.2贷款审批差异化 (31)

4.4HC村镇银行贷后风险管理优化方案 (32)

4.4.1引入杜邦分析，财务报表深入分析 (32)

4.4.2定期进行贷后管理，并由专人负责 (34)

4.4.3成立清收部门 (35)

4.4.4加强行业预警分析 (35)

4.5贷款品种创新，提高贷款质量 (35)

4.5.1“三户保证+村长/村支书担保”贷款新模式 (35)

4.5.2推出“快捷贷”产品 (36)

4.6增加信贷人员驻村队伍建设 (37)

4.7方案设计实施的预期效果 (39)

第五章HC村镇银行信贷风险管理保障措施 (41)

5.1完善和落实各项制度保障措施 (41)

5.2加强信贷风险文化建设保障措施 (41)

5.3强化人才培养、选拔保障措施 (42)

5.3.1建立符合自身的人才选拔制度 (42)

5.3.2完善基层员工培训制度 (42)

5.4提高村镇银行品牌效应 (43)

结论 (45)

参考文献 (46)

致谢 (48)