黑龙江大学硕士学位论文
Abstract
Agriculture-related credit is an important part of Inclusive finance in China, but in
the modern market economy, the high risk brought by agriculture-related credit is an
importantobstacletothedevelopmentandoperationofbankingfinancial
institutions.The J Branch of the Agricultural Bank of China（ABC） discussed in this
paper is currently actively expanding the agriculture-related credit business. However,
due to the influence of policy, operation and peasant household management and other
factors, the non-performing loan ratio of the agricultural credit-related business of the
ABC J Branch is about 5%, much higher than other loan businesses.Based on this,
under the guidance of Basel Accord, information asymmetry theory and comprehensive
risk management theory, this paper conducts a research on the risk management status
of agricultural credit business in ABC J Branch. Found the ABC J branch agricultural
credit business post does not match the existing human resources and business, credit
and pricing management system is not suitable, incomplete information and guarantee
mode, traditionalagricultural credit fullprocess managementdoes not reachthe
designated position, investigate its reason, mainly by ABC J branch bank system,
market, management, and many other factors and constraints.Based on ABC J branch to
the defects of agricultural credit business risk management, according to the problem of
orientation and development orientation, ABC J branch perfecting the agricultural credit
risk management organization structure construction, optimization of agricultural credit
riskguaranteesystem,improvetheagriculturalcreditriskmeasurementand
identification methods, strengthening agricultural credit risk management process link
control, Strengthen non-performing credit recovery and accountability.On this basis,
ABC J Branch should promote the risk management guarantee of agricultural credit
business, and further improve the risk management level of agricultural credit business
of ABC J Branch from the aspects of management organization, management platform,
management staff, management culture, management technology, etc.At the same time,
it is hoped that the research results of this paper can also provide some basis and
reference for the government and relevant financial regulatory departments to formulate
financial regulatory policies related to agriculture and promote the development of
"agriculture, rural areas and farmers".
Keywords：Commercial bank; Agricultural credit; Risk management
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目录
目录
中文摘要 .................. I
Abstract....................II
绪论 ...................1
一、研究背景 ·· 1
二、研究目的和意义 ··· 1
（一）研究目的 ·· 1
（二）研究意义 ·· 2
三、国内外研究进展 ··· 2
（一）国外研究进展 ·· 2
（二）国内研究进展 ·· 3
（三）研究评述 ·· 6
四、研究内容 ·· 7
五、研究方法 ·· 8
第一章 相关概念与理论基础 ............9
第一节相关概念··9
一、涉农贷款 ·· 9
二、涉农贷款风险 ·· 10
三、企业风险管理 ·· 12
第二节理论基础··14
一、巴塞尔协议 ··· 14
二、信息不对称理论 ··· 15
三、全面风险管理理论 ·· 15
本章小结 ·· 16
第二章 农行 J分行涉农信贷业务风险管理现状分析......17
第一节农行J分行涉农信贷业务概况 ··· 17
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黑龙江大学硕士学位论文
一、农行 J分行发展概况··17
二、农行 J分行涉农信贷业务发展情况··17
第二节农行J分行涉农信贷业务风险类型及特点 ·· 20
一、农行 J分行涉农信贷业务风险类型··20
二、农行 J分行涉农信贷业务风险特点··23
第三节农行J分行涉农信贷业务风险管理现状 ··· 25
一、农行 J分行涉农信贷业务风险管理制度··25
二、农行 J分行涉农信贷业务风险管理流程··25
三、农行 J分行涉农信贷业务风险管理具体方法··26
本章小结 ·· 28
第三章农行J分行涉农信贷业务风险管理问题及成因分析........29
第一节农行J分行涉农信贷业务风险管理主要问题的表现形式 ·· 29
一、人力资源与业务岗位不匹配 ·· 30
二、授信与定价管理制度不适宜 ·· 31
三、传统资管与担保模式不完善 ·· 32
四、涉农信贷全流程管理不到位 ·· 32
第二节农行J分行涉农信贷业务风险管理问题成因分析 ··· 34
一、银行信贷管理体制不健全 ··· 34
二、银行信贷管理流程有瑕疵 ··· 36
三、银行员工管理制度不达标 ··· 37
四、银行客户管理机制不完善 ··· 38
本章小结 ·· 39
第四章农行J分行涉农信贷业务风险管理优化设计方案.....40
第一节农行J分行涉农信贷业务风险管理原则与思路 ·· 40
一、涉农信贷业务风险管理优化的基本原则 ··· 40
二、涉农信贷业务风险管理改进的总体思路 ··· 40
第二节农行J分行涉农信贷业务风险管理优化对策 ··· 42
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