I 摘要 欠发达地区已成为我国村镇银行的主要根据地，村镇银行信贷亦成为支持当 地“三农”、小微企业的重要力量；然而，欠发达地区村镇银行信贷业务对象主 要是当地农户、小微企业等，信贷风险较易发；S村镇银行位于我国中西部的欠 发达地区县域，以其为研究对象，具有社会应用价值和理论意义。 本文以银欧亿·体育（中国）有限公司金融机构信贷风险管理理论为基础，对欠发达地区S村镇银 行信贷风险进行识别、评价与控制研究。首先对S村镇银行信贷风险管理现状 进行了分析。研究了信贷业务现状及风险管理现状，明确了信贷风险管理目标、 组织架构、业务流程。其次开展了S村镇银行信贷风险识别。通过专家问卷调 查法及调阅报表，识别出贷款人内部因素、借款人还款意愿、借款人还款能力、 外部环境等方面信贷风险。再次，进行了S村镇银行信贷风险评价。采取定性 定量相结合的分析手法，运用AHP层次分析法开展S村镇银行信贷风险评价； 对各层级指标得分进行评价排序，得出对评价结果影响较大的风险因素。研究结 果显示：S村镇银行整体信贷风险评价结果是3.86，潜在风险偏大；其中，贷款 人内部管理效能、借款人营运能力与偿债能力、信用环境、借款人自身素养等二 级指标得分对评价结果影响较大。最后，从“加强内部信贷风险管控”、“做好 外部信贷风险防控”两方面展开了论述，针对上述影响较大的二级指标提出了信 贷风险控制策略。 关键词：村镇银行；信贷风险；AHP层次分析法 论文类型：应用类 选题来源：自选课题 ABSTRACT II ABSTRACT LessdevelopedareashavebecomethemainbaseofvillagebanksinChina, villagebankcredithasbecomeanimportantforcetosupportlocal"agriculture,rural areasandfarmers",smallandmicroenterprises.However,thecreditbusinessobjects ofvillagebanksinlessdevelopedareasaremainlylocalfarmers,smallandmicro enterprises,etc.,andcreditrisksaremorelikelytooccur.Svillagebankislocatedin theunderdevelopedcountyofcentralandwesternChina.Itistakenastheresearch objectandhassocialapplicationvalueandtheoreticalsignificance. Basedonthecreditriskmanagementtheoryofbankingfinancialinstitutions,this paperstudiestheidentification,evaluationandcontrolofcreditrisksofSvillagebank inthelessdevelopedarea.Firstly,thispaperanalyzesthecurrentsituationofcredit riskmanagementofSvillagebank.Studiedthestatusquoofcreditbusinessandrisk management,andclarifiedthecreditriskmanagementobjectives,organizational structureandbusinessprocess.Secondly,creditriskidentificationofSvillagebank wascarriedout.Throughtheexpertquestionnairesurveymethodandthereviewof statements,thecreditrisksofthelender'sinternalfactors,theborrower'srepayment willingness,theborrower'srepaymentability,andtheexternalenvironmentare identified.Thirdly,thecreditriskassessmentofSvillagebankwascarriedout.Adopt qualitativeandquantitativeanalysismethod,useAHPanalytichierarchyprocessto carryoutcreditriskassessmentofSvillagebank;Theindexscoresatalllevelswere rankedandtheriskfactorsthathadagreatinfluenceontheevaluationresultswere obtained.TheresearchresultsshowthattheoverallcreditriskevaluationresultofS ruralbankis3.86,withhighpotentialrisk.Amongthem,theinternalmanagement efficiencyofthelender,theoperatingabilityandsolvencyoftheborrower,credit environment,theborrower'sownqualityandothersecondaryindicatorshaveagreat impactontheevaluationresults.Finally,fromthe"strengtheningtheinternalcontrol ofcreditrisk","externalcreditriskpreventionandcontrol"twoaspectsinthispaper, aimingattheinfluenceofsecondaryindicatorscreditriskcontrolstrategyisproposed. Keywords:Villagebank；Creditrisk；AHP Dissertationtype:Applicationclass Subjectsource:Optionalsubject 目录 III 目录 第一章绪论......................................................................................................1 第一节研究背景和意义.............................................................................................1 一、研究背景.......................................................................................................1 二、研究意义.......................................................................................................2 第二节文献综述.........................................................................................................2 一、国外研究综述...............................................................................................2 二、国内研究综述...............................................................................................3 三、研究述评.......................................................................................................4 第三节研究方法、研究思路和研究内容.................................................................5 一、研究方法.......................................................................................................5 二、研究思路.......................................................................................................5 三、研究内容.......................................................................................................6 第二章信贷风险管理相关理论概述.............................................................9 第一节信贷风险概述.................................................................................................9 一、信贷风险含义...............................................................................................9 二、信贷风险成因...............................................................................................9 三、信贷风险特征...............................................................................................9 第二节信贷风险评价方法.......................................................................................10 一、定性评价.....................................................................................................10 二、定量评价.....................................................................................................10 三、综合评价（AHP）.....................................................................................10 第三节信贷风险控制策略.......................................................................................10 一、信贷风险控制的核心要点.........................................................................11 二、信贷风险全流程控制.................................................................................11 三、信贷风险控制措施.....................................................................................11 第三章S村镇银行信贷风险管理现状分析...............................................13 第一节S村镇银行概况............................................................................................13 一、S村镇银行简介..........................................................................................13 二、S村镇银行组织架构..................................................................................13 第二节S村镇银行信贷业务现状............................................................................14 目录 IV 一、信贷规模持续扩张.....................................................................................14 二、信贷规模以涉农贷款为主.........................................................................15 三、信贷形式以担保为主.................................................................................16 四、信贷质量潜藏风险.....................................................................................17 第三节S村镇银行信贷业务风险管理现状............................................................20 一、信贷风险管理目标.....................................................................................20 二、信贷风险管理架构.....................................................................................20 三、信贷业务流程.............................................................................................21 第四章S村镇银行信贷风险识别................................................................23 第一节风险识别方法...............................................................................................23 第二节S村镇银行信贷风险识别的内容................................................................23 一、贷款人内部因素风险的识别.....................................................................24 二、借款人还款意愿风险的识别................