目录
1.引言··1
1.1选题背景及意义1
1.1.1现实背景·1
1.1.2政策背景·2
1.2国内外研究现状4
1.2.1国外研究现状·4
1.2.2国内研究现状·5
1.2.3国内外研究动态评述·7
1.3研究内容与方法7
1.3.1研究内容·7
1.3.2研究方法·8
2.相关理论概述··9
2.1“两权”抵押贷款模式理论基础·9
2.2贷款风险管理的理论基础13
3.鹰潭农商银行“两权”抵押贷款风险识别··16
3.1鹰潭农商银行“两权”抵押贷款现状·16
3.2鹰潭农商银行“两权”抵押贷款风险类型·17
3.2.1法律风险分析·17
3.2.2市场风险分析·19
3.2.3操作风险分析·20
3.2.4信用风险分析·20
3.2.5声誉风险分析·21
4.鹰潭农商银行“两权”抵押贷款风险影响因素··22
4.1信贷人员·22
4.2流程、系统·23
4.3技术·23
4.4文化环境·23
4.5借款人素质·24
4.6信誉·25
4.7偿债能力·25
4.8抵押物因素·26
5.鹰潭农商银行“两权”抵押贷款风险防范措施··27II
5.1做好“两权”抵押贷款开展的基础性工作27
5.1.1推动法律层面支持农村土地承包经营权流转和抵押·27
5.1.2建立有效的土地评估机构和交易平台·27
5.2支持保护农民权益和银行信贷权益并举27
5.3进一步完善信贷流程丰富业务模式28
5.3.1银行要出台相关优惠政策·28
5.3.2农商行应处理好自身业务宣传与风险把控的关系·28
5.3.3逐步从财政性信贷风险分担依赖型走向市场化运作·29
5.4加快构建农村信用体系和信息化系统29
5.4.1完善“两权”流转交易中介服务系统·29
5.4.2疏通农村地区信息共享与流通渠道·30
5.4.3构建良好农村金融生态环境·30
5.5建立健全风险分担机制和金融保险30
5.5.1建立“两权”抵押贷款风险补偿基金·30
5.5.2配套建立土地承包经营权抵押融资担保机制·30
5.5.3推行农业商业保险制度改革·31
5.6其他措施·31
5.6.1积极引进专业人才·31
5.6.2关注“两权”抵押贷款中的抵押品·31
5.6.3要建立起全方位的农村社会保障体系·31
6.总结与展望··33
参考文献34
致谢37III
Contents
1. Introduction··1
1.1 background and significance1
1.1.1 realistic background ·1
1.1.2 policy background 2
1.2 research status at home and abroad ·4
1.2.1 foreign research status ··4
1.2.2 domestic research status5
1.2.3 review of domestic and foreign research trends ··7
1.3 research contents and methods 7
1.3.1 research contents ··7
1.3.2 research methods ··8
2. Related concepts and theoretical basis ··9
2.1 the theoretical basis of two rights mortgage loan model·9
2.2 the theoretical basis of two rights mortgage loan risk·13
3. The risk identification of two rights mortgage loan in Rural Commercial Bank
of Yingtan··16
3.1 status of two rights mortgage loan ··16
3.2 risk type of two rights mortgage loan ·17
3.2.1 legal risk analysis ·17
3.2.2 market risk analysis ··19
3.2.3 operational risk analysis20
3.2.4 credit risk analysis 20
3.2.5 reputation risk analysis ·21
4. Influence factors of two right mortgage loan risk of Rural Commercial Bank of
Yingtan··22
4.1 loan officer ··22
4.2 process and system ··23
4.3 technology 23
4.4 cultural environment 23
4.5 quality of the Borrower 24
4.6 reputation ·25
4.7 solvency25IV
4.8 collateral factor
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