【作者】 丁丽；

【导师】 洪涛；

【作者基本信息】 哈尔滨工业大学 ， 工商管理（专业学位）， 2023， 硕士

【摘要】 我国对于农业的重视已经达到前所未有的程度,近年来陆续颁发了推动农业绿色发展、智能化发展的指导方针,黑龙江省发展全省农业现代化方针与国家农业的大方针一致,涉农贷款是借助“三农”金融的良好政策推进区域内的农业建设的重要工具,然而如何规避涉农贷款管理中的风险是HNS银行面临的重要问题。从国家农业政策与商业银行涉农贷款风险关联的角度着手,深入分析HNS银行涉农贷款风险管理的现状、问题及其原因,并提出有针对性的对策建议,无论对HNS银行涉农贷款风险管理的制度建设,还是对HNS银行涉农贷款风险控制都具有重要的意义。商业银行涉农贷款风险管理的问题归根结底是银行信贷流程、内部管理与外部贷款客户之间的信用问题。本文以此为切入点,利用文献分析法、定性分析与定量分析结合法、比较分析法、访谈法,结合2018-2021年的财务数据对HNS银行涉农贷款风险管理进行了深入分析,分析出HNS银行面临农村信用环境差的外部问题导致涉农贷款的用途难以监管,加之涉农贷款风险分摊机制的不完善使该行形成了大量的不良贷款,认为HNS银行涉农贷款风险管理存在较严重的信用风险评估体系欠完善问题,并且在不良贷款责任追究方面缺乏力度,信贷人员关于涉农贷款的专业素质有待提高,是HNS银行涉农贷款风险的主要问题。本文结合国家关于涉农贷款的政策和规定,结合国内外商业银行涉农贷款风险的研究资料,发现大部分农村地区没有建立起来良好的信用环境,信息不对称现象使信贷人员掌握贷款用途方面处于劣势,担保机构运作效能低影响了涉农贷款风险的分散,发现HNS银行现行的风险管理手段还较为落后,人才的专业素质需要提高,客户经理的权利和责任有待进一步对应,是导致HNS银行涉农贷款产生风险的主要原因。结合以上分析,在考虑黑龙江省农业未来发展趋势的前提下,得出HNS银行涉农贷款风险管理的对策建议——改善内生环境提升农村信用水平,加强贷款用途监管完善风险预警体系,建立健全涉农贷款风险分担与补偿机制,对信用评估进行体系的完善;组织专业的人力资源的搭建与培养,结合业务制定绩效考核及奖惩相关制度。保障措施——理念保障、组织保障、政策保障、科技保障、人才保障以及制度保障等。更多还原

【Abstract】 The unprecedented attention on agriculture in our country has been paid.In recent years,guidelines for promoting the green and intelligent development of agriculture have been issued successively.Heilongjiang province has developed modern agriculture and is in accordance with the national policy on agriculture.However,how to avoid the risk of agriculture-related loan management is an important problem facing HNS Bank.From the Angle of the correlation between the national agricultural policy and the agricultural loan risk of commercial banks,this paper deeply analyzes the current situation,problems and causes of the agricultural loan risk management of HNS Bank,and puts forward targeted countermeasures and suggestions,which is of great significance to the system construction of the agricultural loan risk management of HNS Bank and the risk control of the agricultural loan of HNS Bank.The problem of agriculture-related loan risk management in commercial banks is ultimately the credit problem between bank credit process internal management and external loan customers.Taking this as the entry point,this paper makes an in-depth analysis of the risk management of rural loans of HNS Bank by using literature analysis,combination of qualitative analysis and quantitative analysis,comparative analysis and interview,combined with the financial data from 2018 to 2021,and believes that HNS Bank is faced with external problems of poor rural credit environment,which leads to the difficulty in supervising the use of rural loans.In addition,the imperfect risk allocation mechanism of agriculture-related loans leads to the formation of a large number of non-performing loans in the bank.It is believed that the risk management of agriculture-related loans in HNS Bank has a serious problem of imperfect credit risk assessment system and a lack of strength in the accountability of non-performing loans.The professional quality of credit personnel in agriculture-related loans needs to be improved.It is the main problem of agricultural loan risk in HNS Bank.By combining the national policies and regulations on agriculture-related loans and the research data of domestic and foreign commercial banks on agriculture-related loan risks,this paper finds that most rural areas have not established a good credit environment,information asymmetry makes credit personnel at a disadvantage in mastering the use of loans,and the low operation efficiency of guarantee institutions affects the diversification of agriculturerelated loan risks.It is found that the current risk management methods of HNS Bank are still relatively backward,the professional quality of talents needs to be improved,and the rights and responsibilities of account managers need to be further matched,which is the main reason for the risks of HNS Bank’s agriculture-related loans.Based on the above analysis,on the premise of considering the future development trend of agriculture in Heilongjiang Province,the countermeasures and suggestions for the risk management of agriculture-related loans of HNS Bank are obtained: improving the endogenous environment to enhance the rural credit level,strengthening the supervision of loan use to improve the risk early warning system,establishing and perfecting the risk sharing and compensation mechanism of agriculture-related loans,and perfecting the credit evaluation system.Organize the establishment and training of professional human resources,and formulate performance appraisal and reward and punishment system based on business.Safeguard measures-concept guarantee,organization guarantee,policy guarantee,science and technology guarantee,talent guarantee and system guarantee.更多还原