经过多年努力，我国商业银行信贷资产质量虽有所改善，但整体信贷资产质
量仍不理想，居高不下的不良资产严重困扰着商业银行的正常运行，商业银行应
如何加强信贷管理以提高资产质量，已成为一个重要课题

自 2013 年上半年以来，在宏观经济面临不确定因素较多的背景下，中国银
行业资产质量整体呈现出不良贷款余额和不良贷款率双升的态势，而农村商业银
行资金实力弱、风险防范制度不完善，不良贷款的持续攀升对其影响更为严重，
JY 农村商业银行作为农村商业银行之一，不良贷款余额从 2014 年二季度开始连
续 8 个季度上升

本文对 JY 农村商业银行信贷资产质量的现状进行研究和分析，对 JY 农村商
业银行信贷资产质量进行评价，并从中发现问题，然后，结合 JY 农村商业银行
和当地实际情况，从市场结构、组织结构、风险控制和管理能力、专业人才等方
面进行比较和分析，针对这些问题，借鉴同业经验提出相应的意见和建议

关键词：农村商业银行，信贷资产质量，信贷风险河南财经政法大学硕士学位论文
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Abstract
Credit assets are the main resource of commercial banks for they can bring
benefits. The quality of them can directly affect the management efficiency and
sustainable development of commercial bank. In a manner of speaking, credit assets
are the lifeline of commercial banks.
After years of efforts, the quality of credit assets of commercial banks in China
has been improved, but the overall quality of credit assets is still not ideal. High
non-performing assets have been a great trouble for the normal operation of
commercial banks. It has been an important issue for commercial banks to improve
the quality of assets through credit management.
Since the first half year of 2013, the assets quality of China banks have shown
the overall rising of both non-performing loans and non-performing loan ratio due to
more uncertainties background in the macro economy; while the increasing of
non-performing loan has put rural commercial bank into a severe condition because
of its weak financial strength, non-perfect risk prevention system. As a rural
commercial bank, Jiyuan Rural Commercial Bank has seen the continuously rising of
non-performing loans for 8 quarters since the second quarters of 2014.
This thesis made a research on the history and current condition of the quality
of credit loans of Jiyuan Rural Commercial Bank based on the last two year’s overall
economic background. After analyzed it, the problems had been raised. Then, the
author combined the real condition of Jiyuan Rural Commercial and the local
condition and made a comparison between the same businesses from the following
aspects: property right structure, organization structure, core business, business
model, credit system, risk control, management ability and personnel training.
Key words: Rural Commercial Banks, Credit Assets Quality,credit risk河南财经政法大学硕士学位论文
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目 录
摘要.....I
Abstract..II
目 录.....III
1 绪 论...1
1.1 研究背景及意义......1
1.2 文献综述......2
1.2.1 国外研究......2
1.2.1.1 国外研究概述........ 2
1.2.1.2 国外风险模型及方法简介3
1.2.2 国内研究......5
1.2.2.1 不良资产成因研究.5
1.2.2.2 银行业不良资产与金融安全的研究.........6
1.2.2.3 有关信用社不良资产的文献.........6
1.2.2.4 对国内文献的简要分析.....7
1.3 研究思路与研究方法..........8
1.4 难点与创新..8
2 JY 农村商业银行信贷质量现状分析...........9
2.1 JY 农村商业银行发展历程及概况...........9
2.2 JY 农村商业银行信贷资产质量分析.....10
2.2.1 流动性分析11
2.2.2 效益性分析13
2.2.3 安全性分析14
2.3 JY 农村商业银行不良信贷资产特征分析.........15
2.3.1 不良信贷资产区域分析... 16
2.3.2 不良信贷资产行业分析... 18
2.3.3 不良信贷资产额度及对象分析...19
2.3.4 不良信贷资产的形成时间...........22
3 JY 农村商业银行信贷资产质量下降原因分析.....24
3.1 外部原因....24
3.1.1 宏观经济波动的影响....... 24
3.1.2 主要信贷企业的行业产能过剩与周期影响.......25
3.2 自身原因....31
3.2.1 信贷对象集中度偏高....... 31
3.2.2 信贷管理水平不高........... 34
3.2.2.1 贷前调查流于形式...........34
3.2.2.2 信贷风险管理水平不高...35
3.2.2.3 贷后管理力度不足...........37
3.2.2.4 贷款风险分类缺乏准确性...........38
3.2.3 不良信贷资产处置力度不足.......42河南财经政法大学硕士学位论文
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4 JY 农村商业银行与对标对象差距分析.....44
4.1 对标管理及其作用44
4.1.1 对标管理概述....... 44
4.1.2 对标管理的作用...........
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