我国农业银行信贷风险控制研究.rar
我国农业银行信贷风险控制研究,86页摘要我国金融业经过20年来的改革，建立了以中央银行为领导、以国有商业银行和其他股份制商业银行为主体、多种金融机构并存和分工协作的金融体系。但是，我国金融业目前还面临着严重的困难和问题，不仅影响到商业银行信贷资产的安全，而且影响到整个金融业的发展及国家经济的持续快速发展。这些问题堕待在改革开放中予以重视和解决。农业...
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内容介绍
原文档由会员 白痴学东西 发布
86页
摘要
我国金融业经过20年来的改革，建立了以中央银行为领导、以国有商业银
行和其他股份制商业银行为主体、多种金融机构并存和分工协作的金融体系。
但是，我国金融业目前还面临着严重的困难和问题，不仅影响到商业银行信贷
资产的安全，而且影响到整个金融业的发展及国家经济的持续快速发展。这些
问题堕待在改革开放中予以重视和解决。
农业银行作为国有商业银行在农村金融中起着稳定大局和主导发展的重大
作用。由于农业银行面对着乡镇企业和脆弱的农业，优质客户较少，又长期承
担了许多政策性金融业务，加之管理上的不足，因而不良资产比例居高不下，
风险隐患颇为严重。在四大国有商业银行中，农业银行为唯一的亏损大行。因
此，研究农业银行信贷风险管理尤为必要。
本文对农业银行信贷风险进行了较深层次的探讨，力求从中挖掘出对我国
商业银行具有借鉴作用的合理内核。文章从农业银行的发展状况出发，分析了
历史和现实问题，然后探究了信贷风险的成因及对经济金融发展的重大影响。
用定量、定性分析方法对信贷风险进行了预测和评估。从宏、微观角度研究策
划了风险控制的措施和方法。文章深刻指出我国农业银行要在新形势下确立自
己的位置，按照商业银行的经营原则探索新的机制，完成专业银行向现代商业
银行的转轨。既不放弃农村，又不局限于农村，在城乡结合部多做文章。在为
农业、农村经济服务的同时，择机大力发展城市业务，运用优质资产的增量，
稀释不良资产的存量。把强化信贷风险管理落实到具体措施当中，科学定性定
量，严格信贷准入机制，规范信贷操作程序，把风险防范和控制于源头。
关键词:农业银行信贷风险风险成因风险评估风险控制
绪论
1·1问题的提出及研究背景·········································
1.1.1现代市场经济下，金融成为经济的核心··············
1.1.2信贷风险是我国商业银行最大的金融风险···········
1.1.3加入WTO后农业和金融业面临巨大的压力···········
1.1.4不良资产过多带来一系列严重后果··········……，’’·
1.2研究思路和主要内容············································
2农业银行发展状况及比较研究·……”················
2.1农业银行向商业银行的转轨···································
2.1.1发展历程·····················································
2.1.2财务分析·····················································
2.1.3各项贷款发展情况·········································
2.L4人员素质结构分析·········································
2.1.5组织机构设置················································
2.1.6网点及人员分布分析·······································
2.2中美四大商业银行经营主要指标比较······················
2.3中国农业银行与美国花旗银行信贷风险管理比较·······
2.3.1美国花旗银行概况··········································
2.3.2美国花旗银行信贷风险管理特色···，····················
2.3.3中国农业银行与美国花旗银行信贷风险管理的比较
3农业银行信贷风险导致因素分析·······················
3.1政府问题··························································
3.l·1政府干预不当················································
3.1.2地方保护主义················································
3.2体制问题··························································
3.2.1中央银行······················································
3.2.2商业银行······················································
3.2.3财税制度··，···················································
3.2.4企业体制······················································
3.2.5国有资产管理················································
西北工业大学MBA论文
3.2.6投资体制··························································
3.2.7社会保障制度····················································
3.2.8市场融资机制····················································
3.2.9信用环境··························································
3.3管理问题····································..
摘要
我国金融业经过20年来的改革，建立了以中央银行为领导、以国有商业银
行和其他股份制商业银行为主体、多种金融机构并存和分工协作的金融体系。
但是，我国金融业目前还面临着严重的困难和问题，不仅影响到商业银行信贷
资产的安全，而且影响到整个金融业的发展及国家经济的持续快速发展。这些
问题堕待在改革开放中予以重视和解决。
农业银行作为国有商业银行在农村金融中起着稳定大局和主导发展的重大
作用。由于农业银行面对着乡镇企业和脆弱的农业，优质客户较少，又长期承
担了许多政策性金融业务，加之管理上的不足，因而不良资产比例居高不下，
风险隐患颇为严重。在四大国有商业银行中，农业银行为唯一的亏损大行。因
此，研究农业银行信贷风险管理尤为必要。
本文对农业银行信贷风险进行了较深层次的探讨，力求从中挖掘出对我国
商业银行具有借鉴作用的合理内核。文章从农业银行的发展状况出发，分析了
历史和现实问题，然后探究了信贷风险的成因及对经济金融发展的重大影响。
用定量、定性分析方法对信贷风险进行了预测和评估。从宏、微观角度研究策
划了风险控制的措施和方法。文章深刻指出我国农业银行要在新形势下确立自
己的位置，按照商业银行的经营原则探索新的机制，完成专业银行向现代商业
银行的转轨。既不放弃农村，又不局限于农村，在城乡结合部多做文章。在为
农业、农村经济服务的同时，择机大力发展城市业务，运用优质资产的增量，
稀释不良资产的存量。把强化信贷风险管理落实到具体措施当中，科学定性定
量，严格信贷准入机制，规范信贷操作程序，把风险防范和控制于源头。
关键词:农业银行信贷风险风险成因风险评估风险控制
绪论
1·1问题的提出及研究背景·········································
1.1.1现代市场经济下，金融成为经济的核心··············
1.1.2信贷风险是我国商业银行最大的金融风险···········
1.1.3加入WTO后农业和金融业面临巨大的压力···········
1.1.4不良资产过多带来一系列严重后果··········……，’’·
1.2研究思路和主要内容············································
2农业银行发展状况及比较研究·……”················
2.1农业银行向商业银行的转轨···································
2.1.1发展历程·····················································
2.1.2财务分析·····················································
2.1.3各项贷款发展情况·········································
2.L4人员素质结构分析·········································
2.1.5组织机构设置················································
2.1.6网点及人员分布分析·······································
2.2中美四大商业银行经营主要指标比较······················
2.3中国农业银行与美国花旗银行信贷风险管理比较·······
2.3.1美国花旗银行概况··········································
2.3.2美国花旗银行信贷风险管理特色···，····················
2.3.3中国农业银行与美国花旗银行信贷风险管理的比较
3农业银行信贷风险导致因素分析·······················
3.1政府问题··························································
3.l·1政府干预不当················································
3.1.2地方保护主义················································
3.2体制问题··························································
3.2.1中央银行······················································
3.2.2商业银行······················································
3.2.3财税制度··，···················································
3.2.4企业体制······················································
3.2.5国有资产管理················································
西北工业大学MBA论文
3.2.6投资体制··························································
3.2.7社会保障制度····················································
3.2.8市场融资机制····················································
3.2.9信用环境··························································
3.3管理问题····································..
