SZ农村信用联社不良贷款管控研究

【作者】 张睿；

【导师】 董秘刚；

【作者基本信息】 西北大学 ， 工商管理硕士（专业学位）， 2020， 硕士

【摘要】 农村信用联社和我国农村经济的健康发展密切相关,随着我国整体经济进入新常态,银行业同样也失去了高利润高增速的发展趋势,而SZ农村信用联社因为过去粗放式发展及严重依赖利差盈利的方式,面对现在经济增速减缓的形势,导致SZ农村信用联社的不良贷款大幅度增加,不良率持续推高。因此从制度及操作等层面深入研究不良贷款处置及管控,对于SZ农村信用联社的长远发展具有非常重要的意义。本论文以SZ农村信用联社不良贷款管控为研究主题,以银行行为理论、金融脆弱性理论及贷款风险管理理论为基础,对于有关不良贷款相关概念进行了阐述,同时以SZ农村信用联社为例,简要介绍了SZ农村信用联社的基本情况、不良资产的管控现状及存在的问题。在此基础上,分析了SZ农村信用联社不良贷款成因,包括有经济环境、信用环境不够成熟、客户群潜在风险高等外部因素和管理体制落后、经营模式单一、风控机制薄弱、信贷队伍综合素质不高等内部原因。最后提出了不良资产管控的目标和原则,设计出对不良贷款的管控方案,并且提出了完善不良贷款管理体系的对策建议,具体建议包括:建立健全管理机制,建立风险控制的长效机制;创新经营模式,开拓多渠道盈利;完善用人机制,设立更加科学的薪酬制度和晋升机制等方面。通过对SZ农村信用联社不良贷款管控的研究,为该联社不良贷款管控指明了方向,并为其他农信社的不良贷款管控亦提供了参考和借鉴,对于我国农村信用合作联社的不良资产处理及行业的转型发展具有很好的现实意义。更多还原

【Abstract】 The Rural Credit Union is closely related to the healthy development of China’s rural economy.As China’s overall economy enters a new normal,the banking industry has also lost the development trend of high profit and high growth rate,and Sz Rural Credit Union because of the extensive development in the past and relying heavily on the way of profit margin,in the face of the current economic slowdown,led to a substantial increase in non-performing loans SZ rural credit union,non-performing rate continued to push up.Therefore,it is of great significance for the long-term development of Sz Rural Credit Union to study the disposal and control of non-performing loans.This paper focuses on the management of non-performing loans of the SZ rural credit union,and on the basis of the bank’s behavior theory,financial vulnerability theory and loan risk management theory,elaborate on the related concepts of non-performing loans.at the same time,taking Sz Rural Credit Union as an example,this paper briefly introduces the basic situation of Sz Rural Credit Union,the current situation of management and control of non-performing assets and the existing problems.On this basis,it analyzes the cause of Sz Rural Credit Union’s non-performing loans,including economic environment,credit environment is not mature,potential risk of customer groups and other external factors and management system backward,single mode of operation,weak wind control mechanism,credit team comprehensive quality is not high,and other internal reasons.Finally,the paper puts forward the objectives and principles of the management and control of non-performing assets,designs the management and control scheme of non-performing loans,and puts forward some countermeasures and suggestions to improve the management system of non-performing loans,establish long-term mechanism of risk control,innovate management mode,develop multi-channel profit,perfect employment mechanism,set up more scientific salary system and promotion mechanism,etc..Through the research on the management of non-performing loans of SZ rural credit cooperatives,it points out the direction of non-performing loans management and control of the cooperative,and provides references and references for the management of non-performing loans of other rural credit cooperatives.And the transformation and development of the industry has very good practical significance.更多还原