【作者】 阚德梅；

【导师】 余江；

【作者基本信息】 西南交通大学 ， 工商管理， 2004， 硕士

【摘要】 实现全面建设小康社会宏伟目标的关键是要解决好“三农”问题。加大对“三农”的支持力度，需要发挥农业政策性银行的作用。为了更早地实现小康社会的目标，农业发展银行必须不断调整完善农业政策性金融职能，建立健全管理体制和经营机制，加强对风险管理重要性和必要性的认识，把风险管理提高到发展战略的高度来认识，努力防范和化解各类风险，为农业发展、农民增收、农村稳定做出新的更大的贡献。 本文从分析国内外风险管理先进理论的发展历程入手，借鉴其先进经验，结合江苏省农业发展银行的经营实际，深入分析了江苏省农业发展银行信贷管理过程中面临的风险，运用国内外风险管理的理论深刻剖析了风险形成的原因及带来的隐患。并结合农业发展银行政策性金融风险管理的特点和江苏省粮棉购销市场放开的实际，分析了江苏农业发展银行在全国首创的等级行管理经验，以及在全国执行较早的规范化管理和信用等级评定的风险管理办法，深入分析了市场波动风险的防范和控制。 本文综合运用现代金融风险管理、投资学、管理学、财务管理以及市场营销学的理论，联系实际进行分析，主要包括以下一些观点：一是把国内外风险管理的一般理论与农业发展银行这一特殊的政策性金融的风险管理结合起来，在借鉴中又有创新。着重分析了当前江苏省农业发展银行面临的政策风险、信用风险、操作风险和市场波动风险，并分析了目前随着粮棉市场的放开，信贷风险又出现了一些新的变异。特别是库存风险转化为挂帐风险，经营风险转化为市场波动风险，信贷风险转化为财政风险等；二是运用信用风险的标准法、内部评级法、操作风险的基本指标法、等级行管理办法等分析方法，在分析了江苏省农业发展银行风险管理的方法时，深入分析了该方法存在的弊端，并提出了自己的解决办法；三是运用科学的研究方法，着重分析了江苏省农发行应如何防范和化解目前面临的非保护价粮食购销形成的市场波动风险。更多还原

【Abstract】 The key to realize the "well-off society is to solve the "three issues in agriculture". Enlarging the support to the farmers needs to give play to the effect of policy-oriented agriculture bank. For realizing the objective of constructing the "well-off society earlier, the Agricultural Development Bank of China (refers as ADBC) has to adjust and perfect the function of agricultural policy finance constantly, establish the organization system of management and operation, strengthen the knowledge to the importance and necessity of risk management, make the risk management as a key point of development strategy, try hard to keep away and disperse the various kinds of risks. So the ADBC will make the new bigger contribution for the agriculture development and increasing the income of the peasants and the stability of rural area.This article starts from the development course analysing the advanced theory of risk management in home and abroad, and then with its advanced experiences for reference, combining with the operation condition of the Jiangsu Province Agricultural Development Bank (refers as JPADB), it thoroughly analyses the risks of JPADB is facing and the hidden troubles in the course of credit management. It profoundly anatomizes the reasons of how the risks come into being with the risk management theory in home and abroad. Combining the policy finance risk management experience of Agriculture Development Bank and the condition of Jiangsu Province’s cotton and grain market, it analyses the grade bank management experience that the JPADB first created as well as the standardization management and the risk management method of the credit grade evaluation that executed prior in the whole nation.This article analyzes the risk in the credit management with modern thories of finance risk management, investment management, management, financial management, marketing and so on, has some innovations at the following aspects: first, it combines with the general theory of the risk management in home and abroad with the particular policy finance riskmanagement of the agriculture development bank-thus it has some innovations in the reference. It analyses the policy risk, the management risk and the operation risk that the JPADB is facing presently as well as some new variations of the credit risk along with the cotton and grain market is opening. Especially it analyses changes: the stockpile risk into the arrear risk, operation risk changes market risk, and credit risk into finance risk. Secondly, when it analyses the risk management method of JPADB with the standard method, inside grade method, grade bank management and so on, it analyses the abuse of this method and put forward the view of oneself. Thirdly, it analyses how to keep away and separate the market risk that comes into being in the purchase and sale with non-protection price of the grain the JPADB is facing.更多还原