Classified Index：Code：10224
Confidential (yes/no)：no NO.:S170812127
Dissertation for the Professional Master Degree
Researchon Risk Management of
Agriculture Related Loansof a Rural
Commercial Bank
Candidate:Zhang Bo
Supervisor:Wang Junfeng & Lv Zhuo
Degree Category:Master of Business Administration
College: College of Economics and Management
Research Field:Business Administration
Study Mode:Part-time
Harbin China
June2022 目录
目录
摘要 .................... I
Abstract ..................... III
1 绪论....................1
1.1 研究背景 .................. 1
1.2 研究目的和意义 ................... 2
1.2.1 研究目的 ..................2
1.2.2 研究意义 ..................2
1.3 国内外研究现状 ................... 2
1.3.1 国外研究现状................ 3
1.3.2 国内研究现状................ 4
1.3.3 研究评述 ..................5
1.4 研究内容及方法 ................. 5
1.4.1 研究内容 ................5
1.4.2 研究方法 ..................6
2 相关概念界定与理论基础.................7
2.1 相关概念界定.................7
2.1.1 涉农贷款 ..................7
2.1.2 贷款风险 ..................7
2.1.3 风险管理 ..................8
2.2 理论基础 .................. 9
2.2.1 信贷配给理论................ 9
2.2.2 农业产业弱质性理论............... 10
2.2.3 风险管理理论..................... 10
2.3 本章小结 ....................... 11
3 A 农商银行涉农贷款及风险管理现状................12
3.1 A 农商银行涉农贷款发展现状.............. 12
3.1.1 A 农商银行简介 .................. 12
3.1.2 A 农商银行涉农贷款基本情况 ..............12
3.1.3 A 农商行涉农贷款日常风险管理模式............... 13
3.2 A 农商银行涉农贷款风险来源.............. 13
3.2.1 操作风险 ................13
3.2.2 市场风险 ................14
3.2.3 信用风险 ................14
3.2.4 自然风险 ................14
3.2.5 政策风险 ................15
3.3 A 农商银行涉农贷款风险管理现状 .............16
I 东北农业大学工商管理硕士学位论文
3.3.1 A 农商行涉农风险及管理情况 ..............16
3.3.2 A 农商银行涉农贷款风险管理体系情况 ........... 18
3.4 本章小结 ....................... 19
4 A 农商银行涉农贷款风险管理存在的问题及原因分析 .............. 20
4.1 A 农商银行涉农贷款风险管理存在的问题 .............. 20
4.1.1 预先控制的涉农授信质量低.................20
4.1.2 过程控制中涉农联保失效严重 .............22
4.1.3 过程控制中涉农有效抵质押不足 ............... 22
4.1.4 事后控制的不良贷款率和坏账率较高 ..............24
4.2 A 农商银行涉农贷款风险管理问题的原因分析 .............25
4.2.1 预先缺乏严格审查把关机制.................25
4.2.2 涉农贷款过程联保制度设计不健全........... 26
4.2.3 涉农贷款抵质押制度不合理.................27
4.2.4 风险管理和预警体系不健全.................28
4.3 本章小结 ....................... 29
5 完善A 农商银行涉农贷款风险管理的建议 ............ 30
5.1 健全风险管理审核把关机制................. 30
5.1.1 建立全面涉农贷款调查制度.................30
5.1.2 建立全套风险控制把关流程.................30
5.1.3 设定专门涉农风险管理机构.................30
5.1.4 健全涉农审核申报制度 .................. 31
5.2 提高联保制度的合理性 ...................31
5.2.1 优化联保制度设计 ....................31
5.2.2 提高联保制度的可操作性 .............. 31
5.3 建立健全有效抵质押制度 .............. 32
5.3.1 提高涉农贷款抵质押作价效果 .............32
5.3.2 提高抵质押品的流动性 .................. 32
5.4 建构风险管理与风险预警体系 .............32
5.4.1 建构全面风险预警管理制度.................32
5.4.2 提高风控机制的落地性 .................. 33
5.5 本章小结 ....................... 33
6 结论.........................34
致谢 .........................35
参考文献 .....................36
II CONTENTS
CONTENTS
Abstract in Chinese .................. I
Abstract ..................... III
1 Introduction .................... 1
1.1 Research Background ....................1
1.2 Research Purpose and Significance .................. 2
1.2.1 Research Objective ................ 2
1.2.2 Research Significance ...................2
1.3 Research status at home and abroad ................. 2
1.3.1 Foreign research status ................. 3
1.3.2 Domestic research status .............. 4
1.3.3 Research Review .................... 5
1.4 Research contents and methods ..................5
1.4.1 Research Content ....................5
1.4.2 Research Method ....................6
2 Definition of related concepts and theoretical basis ...............7
2.1 Definition of Related Concepts ..................7
2.1.1 Agricultural Loans ..................7
2.1.2 Loan Risk .................. 7
2.1.3 Risk Management ...................8
2.2 Theoretical Basis .................... 9
2.2.1 Theory of credit rationing ................... 9
2.2.2 Theory of weakness of agricultural Industry ...............10
2.2.3 Risk Management Theory ................. 10
2.3 Chapter Summary ................. 11
3 A Agricultural Commercial Bank;s Agricultural Loans and Risk Management Status Quo
........................12
3.1 A Development status of Agriculture-related loans of RURAL Commercial Bank ..12
3.1.1 A Brief Introduction of RURAL Commercial Bank .......... 12
3.1.2 Basic situation of RURAL Commercial Bank of A Agriculture-related loans .. 12
3.1.3 A Daily risk management mode of Agriculture-related loans of RURAL Commercial
Bank .................... 13
3.2 A Agricultural Commercial Bank of China risk sources of agriculture-related loans .....13
3.2.1 Operational Risk ...................13
3.2.2 Market Risk ................... 14
3.2.3 Credit risk ...................... 14
3.2.4 Natural risks ...................14
III