专业学位硕士学位论文
农行C 分行农村创业贷款风险管理策略研究
Study on Risk Management Strategy of Rural Entreprise Loan of
C Branch of Agricultural Bank of China
作 者 姓 名：臧德鹏
学科、 专业： 工商管理
学 号： 41911671
指 导 教 师：梁艳
完 成 日 期： 2021 年 11 月 25 日
大连理工大学
Dalian UniVersity of Technology
大连理工大学学位论文独创性声明
作者郑重声明：所呈交的学位论文，是本人在导师的指导下进行研究
工作所取得的成果。尽我所知，除文中已经注明引用内容和致谢的地方外，
本论文不包含其他个人或集体已经发表的研究成果，也不包含其他已申请
学位或其他用途使用过的成果。与我一同工作的同志对本研究所做的贡献
均已在论文中做了明确的说明并表示了谢意。
若有不实之处，本人愿意承担相关法律责任。
学位论文题目：农行 C 分行农村创业贷款风险管理策略研究
作 者 签 名 ： 日期： 2021 年 11 月 25 日
大连理工大学专业学位硕士学位论文
摘 要
农村创业贷款是商业银行支持农村创业项目的重要金融业务，能够促进农村经济发
展，使创业获得充分资源支持，也丰富金融机构的普惠金融业务。2020年新冠肺炎疫情
发生以后，农行 C 分行农村创业贷款业务不良贷款迅速增长，贷款业务风险控制遇到困
境，迫切需要针对风险及成因提出有效的风险管理策略，提高创业贷款风险控制能力。
论文以农行C 分行农村创业贷款风险管理为研究对象，在综述文献研究基础上，概
述农村创业贷款的概念及特征、贷款风险类型及风险控制理论；其次，结合 C 分行农村
创业贷款业务现状和问卷调查，深入分析农村创业贷款风险的具体特征；通过 C 分行农
村创业贷款风险管理现状，表明贷款风险管理问题主要体现在：贷款信息真实性控制不
到位、授信审批效率不高、农村市场风险管控比较被动、贷款跟踪管理流于形式等；深
入剖析原因在于：授信审批前尽职调查不充分，授信审批专业性不足和缺乏独立的授信
审批机构，农村创业项目经营环境复杂，以及缺乏贷后精细化管理与培训等。再次，从
优化授信审批管理体系，多渠道引流农村创业贷款项目降低市场风险，全流程风险监控
与内部监督，强化贷后风险预警与处置等方面提出完善风险管理的具体策略，并从农村
信用体系建设、创新创业贷款产品和风险控制信息系统建设等提出相应的实施保障措施。
最后，提出论文的研究结论。
论文认为农行 C 分行应该成立独立的创业贷款授信机构，细化尽职调查内容，实施
针对性的专业业务培训，扶持与发掘潜力项目，构建银行创业项目引导与扶持模式，结
合地域特点进行项目差异化投放；同时，实行全流程操作风险监控，细分初创型企业风
险评价标准，发挥内部控制监督作用，完备贷款企业经营数据信息比较与风险预警，提
升不良贷款处置能力，补充创业贷款补偿机制等多种举措，有助于提高农行 C 分行农村
创业贷款业务风险管理水平，打造农行C 分行农村创业贷款的品牌影响力，从而提升 C
分行的核心竞争优势。
关键词：中国农业银行；农村创业贷款；授信审批；全流程操作风险监控
- I -农行 C 分行农村创业贷款风险管理策略研究
Study on Risk Management Strategy of Rural Entreprise Loan of C Branch
of Agricultural Bank of China
Abstract
Rural entreprise loan is an important financial business for commercial banks to support
rural entreprise projects. It can promote rural economic development, enable entreprise to
obtain sufficient resource support, and enrich the inclusive financial business of financial
institutions. When novel coronavirus pneumonia occurred in 2020, the Non-performing loans
of rural business in C branch of Agricultural Bank of China increased rapidly. The risk
control of loan business was in a predicament. It is urgent to put forward effective risk
management strategies for risk and cause to improve the risk control ability of venture loan.
Based on the review of relevant literature, this thesis summarizes the concept and
characteristics of rural entreprise loan, loan risk types and risk control theory; Secondly,
combined with the current situation of rural entreprise loan business and questionnaire survey
of C branch, this thesis deeply analyzes the specific characteristics of rural entreprise loan risk;
Based on the current situation of rural entreprise loan risk management of C branch, this
thesis puts forward the problems of loan risk management, which are mainly reflected in: the
authenticity control of loan information is not in place, the efficiency of credit approval is not
high, the risk control of rural market is relatively passive, and the loan tracking management
is a mere formality; The reasons for in-depth analysis are insufficient due diligence before
credit approval, lack of professionalism of credit approval and lack of independent credit
approval institutions, complex business environment of rural entreprise projects, and lack of
fine management and training after loan. Thirdly, it puts forward specific strategies to
improve risk management from the aspects of optimizing credit approval management system,
multi-channel drainage of rural entreprise loan projects, reducing market risk, whole process
risk monitoring and internal supervision, and strengthening post loan risk early warning and
disposal Innovation and entreprise loan products and risk control information system
construction, and put forward corresponding implementation guarantee measures. Finally, put
forward the conclusion of the thesis.
This thesis mainly believes that C branch should establish an independent venture loan
credit institution, refine the content of due diligence, implement targeted professional
business training, support and explore potential projects, build a bank venture project
guidance and support mode, and launch projects differently in combination with regional
characteristics; At the same time, implementing the whole process operational risk monitoring,
- II - 大连理工大学专业学位硕士学位论文
subdividing the risk evaluation standards of start-ups, giving full play to the role of internal
control and supervision, improving the operation data information comparison and risk early
warning of loan enterprises, improving the disposal capacity of non-performing loans,
supplementing the compensation mechanism of venture loans and other measures will help to
improve the risk management level of rural venture loan business C branch of ABC, Build the
brand influence of rural entreprise loan of C branch of Agricultural Bank of China, so as to
enhance the core competitive advantage of C branch.
Key Words：Agricultural Bank of China (ABC); Rural Entreprise Loan; Credit Granting;
Operating Risk Monitoring of Whole Process
- III -