扬州农商行农村商业银行信贷风险管理问题研究
摘要：随着“互联网+”概念的提出，农村商业银行业务的发展和电子产品联系的越来越紧密。我国农村商业银行在互联网金融的经营环境下，面对着巨大的挑战，信贷风险加大。银行获取利润的主要来源是贷款获得的收入，面对的主要风险是信贷风险，因此银行要重视信贷风险的管理。51182
农村商业银行成立的时间短，在制度建设和业务操作方面有很多不足，信贷风险日益加大。本文通过分析扬州农村商业银行的信贷风险评价指标，发现农商行信贷风险管理存在的问题。文章分析了原因包括贷款业务的类型多涉及保证抵押类贷款、中小企业的偿债能力易受到影响等。然后本文提出有效的解决方案，具体有重视贷款担保手续，加大支农力度、提高信贷人员素质等，以此加强银行的信贷风险管理。
毕业论文关键词：农村商业银行 信贷风险 信贷风险管理
Research on the credit risk management of the Rural Commercial Bank
—Take the Yangzhou rural commercial for example
Abstract: With the bringing forward of Internet + concept ,the development of rural commercial bank business and electronic products contact more closely.China's banking on the Internet financial business environment, facing a huge challenge.This increase the risk of credit. The bank loans to obtain income as the main source of profits, credit risk is the main risk of the bank the face.So the bank should pay attention to the credit risk management .
Rural commercial bank was established in a short time and has many problems in terms of system construction and business operation,which increase credit risk. By analyzing the credit risk evaluation index of Yangzhou rural commercial bank, this paper found the existing problems of rural commercial bank credit risk management.The paper analyze the reasons that include the type of loan business involving a lot of guaranteed and mortgage loans.Then this paper puts forward effective solutions which specifically pay attention to loan guarantees procedures,increase support for agriculture and improve the quality of loan officer.This can strengthen the credit risk management of banks.
Key Words:Rural Commercial Bank, credit risk, credit risk management
目 录
一、问题的提出及相关文献综述 - 1 -
（一）选题的理由和意义 - 1 -
(二）学术回顾 - 1 -
二、商业银行信贷风险及信贷风险管理 - 4 -
（一）信贷风险的概念及分类 - 4 -
（二）商业银行信贷风险管理的主要内容 - 5 -
（三）商业银行信贷风险的评价指标 - 5 -
三、农村商业银行信贷风险的实证分析—以扬州农商行为例 - 6 -
（一）信用风险指标分析 - 6 -
（二）流动性风险指标分析 - 11 -
（三）操作风险指标分析 - 12 -
（四）结论 - 13 -
四、农村信贷风险管理中存在问题的原因分析 - 14 -
（一）银行的风险管理体制有欠缺 - 14 -
（二）市场上不利的贷款环境 - 14 -
（三）信贷风险管理人员没有很高的能力和素质 - 15 -