Abstract
In recent years, guided by Xi Jinping Thought on Socialism with Chinese
Characteristics for a New Era, Agricultural Bank of China has resolutely implemented
the deployment of the CPC Central Committee and The State Council, adhered to the
work summary and guidance of seeking progress while maintaining stability, and
properly responded to the severe challenges brought by the changes in the economic
and financial environment and the changes in fintech. In the economic development
of our country, the agricultural bank of China for the development of many economies
in China provides a great deal of credit business support, at the same time also faces
enormous challenges and risks, such as huge amount of non-performing loans, due to
the non-performing loan ratio is directly to our bank's credit risk index, thus reduce
the index of the agricultural bank of China at the present time. At the same time, a
series of credit risk cases occurred in Agricultural Bank of China G Branch in recent
years, which caused huge reputation risks to the bank and caused great difficulties in
clearing loans. At present, AgriculturalBank of China G Branch has become a key
supervision object of the People's Bank of China and the Banking and Insurance
Regulatory Commission. G branch of agricultural bank of so need to improve the
quality of credit, suppression of credit risk, based on the related measures for the
management of high standards, high level and high regulatory risk management
measures, improvement measures of innovative control measures are put forward at
the same time, in order to make G branch of agricultural bank credit business to get
healthy and stable development as the background and research.
The main contents of this paper include :(1) the background of this paper is
introduced. Combined with the status quo of credit risk management and control of G
branch of agricultural bank of China, the domestic and foreign research reviews in
recent years are introduced and the research significance of this paper is proposed. (2)
This paper mainly introduces the concept definition and theoretical basis of this paper,
and mainly combs and expounds the definition, characteristics and relevant theoretical
basis of credit risk of commercial banks for reference in the following research; (3) To
understand the current situation of G Branch of Agricultural Bank of China mainly
through interview design, and to understand the possible problems existing in credit
risk management of the bank through interview design, and to obtain survey
identification, survey evaluation and response monitoring of survey results, laying a
good foundation for finding problems in chapter iv; (4) Mainly through the study of
the actual case of G Branch of Agricultural Bank of China, analyze the background of
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the case, find out the problems existing in the credit risk control of the case, and
analyze the causes of the problems, so as to provide a strong direction for improving
strategies in Part (5); (5) The main purpose is how to reduce the risk of G Branch of
Agricultural Bank of China in the credit business, and put forward effective
improvement strategies for the problems found in part (4), so as to achieve the effect
of truly solving the actual problems; (6) Mainly describe the research conclusions,
shortcomings and prospects of this paper. In this study, not only can Agricultural Bank
of China G Branch find its own shortcomings, but also put forward some effective
prevention measures in the process of risk prevention and control.
The innovation of this article is based on commercial bank risk control system
and the characteristics of the agricultural bank credit management system (C3), to the
agricultural bank G in the aspect of credit risk control to carry out the investigation
and study, puts forward the embedded large data information and credit management
system (C3) embedded in the intersection check link, and discusses the innovation
methods of concrete implementation steps, This innovation not only to the
Agricultural Bank of China G branch and other commercial banks in China in the
control of credit risks have to give strong support.
Key words：commercial Banks；risk control；credit risk；post loan management
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目录
1绪论..............................................................1
1.1选题背景和研究意义 .........................................1
1.1.1选题背景 ............................................1
1.1.2研究意义 ............................................2
1.2国内外研究现状评述.........................................2
1.2.1商业银行信贷风险的分类与识别研究.....................2
1.2.2商业银行信贷风险的评估研究...........................4
1.2.3商业银行信贷风险的应对与监测研究.....................5
1.2.4研究评述.............................................6
1.3研究目的与研究内容 .........................................7
1.3.1研究目的 ............................................7
1.3.2研究内容 ............................................7
1.4研究思路与研究方法.........................................7
1.4.1研究思路 ............................................7
1.4.2研究方法 ............................................8
2概念界定与理论基础................................................9
2.1概念界定...................................................9
2.2理论基础..................................................11
2.2.1信贷风险管理理论....................................11
2.2.2贷后管理理论........................................12
3农业银行G分行信贷风险管控调查与评估.............................14
3.1农业银行G分行概况 ........................................14
3.2调查方案设计..............................................14
3.2.1调查思路 ...........................................14
3.2.2访谈设计 ...........................................15
3.2.3访谈问卷代表性分析 .................................16
3.2.4访谈内容分析 .......................................17
3.3农业银行G分行信贷风险管控评估结果 ........................17
3.3.1信贷风险的分类和识别 ...............................17
3.3.2信贷风险的评估 .....................................17
3.3.3信贷风险的应对与监测................................19
4农业银行G分行信贷风险管控存在的问题诊断.........................20
4.1农业银行G分行信贷风险管控存在的问题......................20
4.2农业银行G分行信贷风险管控存在问题原因分析................22
4.2.1贷前尽职调查不重视 .................................22
4.2.2内控管理流于形式 ...................................22
4.2.3信贷人员缺乏职业操守 ...............................23
4.2.4贷后管理落实不到位 .................................23
5农业银行G分行信贷风险管控的改进策略.............................24
5.1完善信贷风险管理措施......................................24
5.1.1完善内控管理 .......................................24
IV
。。。以下略