【作者】 唐琼；

【导师】 杨锦秀； 李代文；

【作者基本信息】 四川农业大学 ， 农业经济管理， 2003， 硕士

【摘要】 金融是现代经济的核心，而风险管理能力是商业银行的核心能力。经过二十多年的经济金融改革发展，四川农行为四川经济，尤其是广大农村经济的发展做出了巨大的贡献，其经营风险管理水平也有了明显提高。但是，随着我国经济、金融体制改革的进一步深化，特别是经过九十年代经济体制变革的洗礼和加入WTO后金融领域开放的种种态势，四川农行的经营风险日渐显化：不良贷款攀升，资产整体赢利能力差，内控机制不健全，风险管理乏力。同业的峥嵘对峙，股份制商业银行的崛起，外资银行的强势入川，四川农行的生存与发展面临着严峻的挑战。如何抓住有利契机，快速降低不良贷款、增强资产的盈利能力、提高经营风险管理水平是四川农行当前关注的主要问题。 本文研究在大量的文献资料和详实的调查基础上，实证分析了四川农行面临的主要经营风险，从制度经济学角度等面解释了风险形成的原因，同时，从微观层面，评价了四川农行内部风险管理的现状，指出了风险管理存在的不足和症结所在。借鉴西方国家先进的风险度量方法和管理策略，结合我国实际，提出了一些相应的风险管理对策和建议。更多还原

【Abstract】 Finance is the core of modern economy and risk management ability is the core competitiveness of commercial bank. During the past over twenty years of economical and financial reform, Sichuan branch of the Agricultural Bank of China(ABC) has played an important role in supporting Sichuan province’s economy, especially its rural economy, but also made great progress in risk management. However, with further deepening reform of economic and financial system, the operating risk of Sichuan branch of ABC has increasingly exposed (emerged): such as unsound loans rising, profit capacity of the assets being weak, internal controlling system being unsound and so on. Meanwhile, the intense competition of counterparts and the powerful entry of foreign banks are threatening the existence and development of Sichuan branch of ABC. Confronted with severe challenges, it is the main focus problem of Sichuan branch of ABC that how to grasp good opportunity renders rate of the unsound loans quickly be lowered, the risk management be strengthened and profit ability of the bank’s whole assets be enhanced at present.Based on lots of second-hand data, investigation and deeply research, this thesis has demonstrated main risk kinds of Sichuan branch of ABC by means of positivism, explained the cause of producing the risks in system economics view. And then pointed out the shortcoming of risk management after describing and assessing the status quo of its operating risk management. In the last paper, the writer has put forward response countermeasures and advice on how to improve the risk management of Sichuan branch of ABC in the light of the advised risk metrics and tricks from west counties and objectives in china.更多还原