【作者】 李国强；

【导师】 王福胜；

【作者基本信息】 哈尔滨工业大学 ， 高级管理人员工商管理硕士（专业学位）， 2020， 硕士

【摘要】 农村商业银行简称农商行,是由农村信用社改组、发展起来的,无论是改组前的农村信用社,还是改组后的农商行,始终坚持以“三农”、中小微企业和社区居民作为主要的服务对象与客户群体,信贷业务则遵循小额、流资、分散等为原则得以发展。在过去的十几年间,农商行以强烈的责任感与使命感,为推动农村发展、促进农民增收做出了突出贡献。近些年,为了进一步推动中小微企业的发展,国务院、财政部等制定了一系列政策,例如,税收优惠、税收减免、贴息、加强帮扶力度等,推动了作为中小型金融组织的农商行,实现了快速发展。但在农商行发展的过程中,其表现出的问题同样不容忽视,最为突出的就是信贷业务风险问题。本文以兰西县农商银行为研究对象,从业务规模、贷款类别、资产质量等方面,先介绍兰西县农商银行信贷业务情况,再从信贷业务风险案例流程、制度、体系、措施等方面,介绍兰西县农商银行信贷业务风险管理现状。设计调查问卷,对兰西县农商银行的工作人员进行问卷调查,进一步了解其信贷业务风险管理情况。通过现状介绍和问卷调研,发现兰西县农商银行信贷业务风险管理上存在一定问题,导致问题的原因不仅来自于银行内部,而且外部环境的影响十分明显。最后,提出完善兰西县农商银行信贷风险管理的对策建议,具体为:提高防范意识、健全信贷风险管理流程;加强文化建设、完善信贷风险管理制度;建立预警机制、拓展信贷风险评估体系;加强人才建设、做好贷款“三查”工作等。此外,为了确保提出方案的顺利实施,兰西县农商银行应切实加强风险管理环境建设、完善风险管理信息系统、健全风险管理监督机制,以更好的提升兰西县农商银行信贷业务风险管理水平,推动兰西县农商银行信贷业务的可持续发展。更多还原

【Abstract】 Rural commercial banks,referred to as rural commercial banks,were reorganized and developed by rural credit cooperatives.Whether it is a rural credit cooperative before reorganization or a reorganized rural commercial bank,it has always insisted on "three rural",small and micro enterprises and community residents as the main Service customers and customer groups,the credit business has been developed in accordance with the principles of small amounts,liquidity,and decentralization.Over the past ten years,rural commercial banks have made outstanding contributions to promoting rural development and increasing farmers’ income with a strong sense of responsibility and mission.In recent years,in order to further promote the development of small and micro enterprises,the State Council and the Ministry of Finance have formulated a series of policies,such as tax incentives,tax reductions,discounts,and enhanced assistance,which have promoted rural commercial banks as small and medium-sized financial organizations.And achieved rapid development.However,in the development of rural commercial banks,the problems they show cannot be ignored,the most prominent is the credit business risk.In this study,the research object of X rural commercial behavior is introduced from the aspects of business scale,loan type,asset quality,etc.,and then introduced the credit business of X rural commercial bank,and then introduced X from the aspect of credit business trend,case process,system,system,and measures.Current status of credit business risk management of rural commercial banks.Design a questionnaire and conduct a questionnaire survey on the staff of X Rural Commercial Bank to further understand the risk management of its credit business.Through the status quo introduction and questionnaire survey,it was found that there were certain problems in the credit business risk management of X Rural Commercial Bank.The causes of the problems not only came from within the bank,but also the impact of the external environment was obvious.Finally,the countermeasures and suggestions for improving the credit risk management of X Rural Commercial Bank are put forward,which are as follows: increase awareness of prevention,improve credit risk management processes;strengthen cultural construction,improve credit risk management system;establish early warning mechanism,expand credit risk assessment system;strengthen talents Construction,and "three investigations" before the loan.In addition,in order to ensure the smooth implementation of the proposed scheme,X Rural Commercial Bank should earnestly strengthen the construction of the risk management environment,improve the risk management information system,and improve the risk management supervision mechanism in order to better improve the risk management level of X Rural Commercial Bank’s credit business and promote Sustainable development of X Rural Commercial Bank’s credit business.更多还原