青海省农业发展银行信贷风险管理对策分析.doc

摘要:农业在我国经济结构中占主要地位，但其盈利能力较低加上投资时间长，是一个天然的弱势产业。因此，需要建立中国农业发展银行这类政策性银行，来支持农业产业发展，从而将中国农村经济带入小康轨道。近年来，我国市场经济改革不断深化，农发行面临的外部环境发生了重大变化。为更好支持农村经济发展，发挥宏观调控作用，农发行就必须重视信贷风险管理，将信贷风险降至最低，保证自身的稳健经营。    本文通过分析国内外学者的研究经验入手，结合青海省农发行信贷风险管理现状，深入学习研究金融风险管理的理论，分析了青海省农发行信贷风险过程中所面临的信用风险、操作风险、流动性风险的成因。提出了青海省农发行现行风险管理制度中存在的若干问题，并对进一步完善青海省农发行信贷风险管理制度的给出了解决思路。    本文认为，青海省农发行现行风险管理体系中合规管理较弱，地方政府融资平台风险比较高，风险管理制度不完善，信贷管理体系还有待进一步细化深化。针对这些问题，本文提出相关对策，认为要加强合规管理，就要将合规理念深入贯彻在企业文化当中。关于政府融资平台风险的问题，要建立有效的防控监管机制，有效降低政府融资平台风险。并且要积极构建全面风险管理体系，强化客户管理，完善贷款准入退出机制。使青海省农发行信贷风险管理体系更加完善。

关键词：农业发展银行；信贷风险；风险管理

ABSTRACT:Agriculture is the foundation industry of the national economy, but its low profitability and investment time, is a natural weak industry. Therefore, build the Agricultural Development Bank of China to support the development of agricultural industry, make the rural economy flourish and speed up urbanization. In recent years, China's market economic reform, great changes have taken place in the external environment faced by agricultural issue. In order to better play the role of macro-control, agricultural development must pay attention to loan risk management.

This paper from the start of analysis of the experience of domestic and foreign scholars, study and research of financial risk management theory, combined with the Qinghai branch of ADBC management present situation, Analysis of the causes of Qinghai branch of ADBC issue facing credit risk and operational risk and liquidity risk. Put forward Qinghai branch of ADBC problems in the loan risk management system of the issue, and to further improve the Qinghai branch of ADBC loan risk management system gives some ideas.

　　　This paper thinks, in the current risk management system of Qinghai Province Agricultural Development Bank compliance management is weak , the local government financing platform risk is higher, the risk management system is not perfect, credit management system needs to be further refined. Aiming at these problems, this paper puts forward the related countermeasure, it think to want to strengthen compliance management. Establishment of an effective incentive mechanism and regulatory mechanism, which is an important way to reduce the government financing platform risks. Construction the overall risk management system, strengthen the customer management, improve the access and exit mechanism of loan. The Qinghai branch of ADBC loan risk management system will be more perfect.

Key words: Agricultural Development Bank of China; Loan risk; Risk management

　　　本论文结合国内外风险管理理论，主要研究青海省农发行信贷风险管理中的信用风险、流动性风险、操作风险、政策风险、市场风险和法律风险等。共分为四章：第一章引言，介绍该论文选题的目的意义及结构；第二章银行风险管理理论及其发展，主要介绍风险管理理论的概念、发展和种类；第三章青海省农业发展银行的概况与风险管理现状分析，主要介绍了青海省农发行现行风险管理的基本情况，找出其中存在的问题；第四章青海省农发行信贷风险管理对策，对上一章提出的问题找出解决对策。