中国农业发展银行信贷风险及其管理研究.doc

摘要
中国农业发展银行是国有农业政策性银行，其主要任务是：按照国家的法律、法规和方针、政策，以国家信用为基础，筹集农业信贷资金，承担国家规定的农业和经批准开办的涉农商业性金融业务，代理财政性支农资金的拨付，为农业和农村经济发展服务。
风险是银行业的普遍特征。中国农业发展银行作为政策性金融的一个重要组成部分，虽然把政策性目标放在首位，但在其经营管理过程中，也必须遵循银行的一般规律和运行机制，防范和化解风险也是其永恒的主题。而在农业银行目前的风险结构中，最为突出的仍是信贷风险或贷款信用风险。
文章在阐释中国农业发展银行的研究背景、主要职能，及中国农业发展银行信贷风险的概念、类型、特征的基础上，分析了农业银行信贷风险的成因，以及农业银行信贷风险管理的存在问题，说明防范与化解信贷风险的必要性；然后运用信用评级法对中国农业发展银行的信贷风险进行评估实证分析；最后，针对分析结果，提出了完善政策性信贷资金管理机制、提高风险识别水平、加强信贷队伍建设等防范与化解信贷风险的有效措施与对策，在为农业政策性银行的全面信贷风险管理提供理论支持。

关键词：中国农业发展银行  信贷风险  风险管理

Abstract
 
 
Agricultural Development Bank of China is a state policy bank for agriculture, its main task is to: in accordance with national laws, regulations and policy, based on the nation credit, raise agricultural credit funds, according to the regulations of the state agricultural and approved open agriculture-related commercial financial services, agency financial funds allocated to agriculture, for the agriculture and rural economic development services.
General characteristics of the risk in banking. Agricultural Development Bank of China as a financial policy is an important component of, although the policy objectives in the first place, but in the process of management, the bank also must follow the general rules and operational mechanisms, guard against and dissolve the risk is also the eternal theme. In the Agricultural Bank current risk structure, the most prominent is the credit risk and credit risk.
Based on the explanation of Agricultural Development Bank of China the research background, main functions, and the China agriculture development bank credit risk concept, types, characteristics, analysis of the Agricultural Bank credit risk, as well as the Agricultural Bank credit risk management problems, said that to prevent and resolve the credit risk of necessity; and then use the credit rating method on Agricultural Development Bank of China 's credit risk assessment empirical analysis; finally, based on the results of the analysis, put forward to perfect the fund of policy sex credit management mechanism, improve risk identification level, to strengthen the credit construction to prevent and resolve the credit risk effective measures and countermeasures, in the agricultural policy bank 's credit risk management to provide a comprehensive theoretical support.

Key words: China Agricultural Development Bank   credit risk   risk management

目  录
摘要 I
Abstract II

第1章 研究背景及意义 1
第2章 农业银行信贷风险及其管理概述 3
2.1农业银行信贷风险的概念 3
2.2农业政策性银行信贷风险的特征 3
2.3 农业银行信贷风险管理存在的问题 4
2.3.1 法律法规相对缺乏 4
2.3.2 信贷资金来源单一 4
2.3.3风险管理制度不完善 5
2.3.4风险补偿机制滞后 5
第3章 农业银行信贷风险评估的实证分析 6
3.1 选取指标 6
3.2 赋予指标权重 7
3.3 设置核心监测指标值取值区间 8
3.4 整理数据 9
3.5 农业政策性银行信贷风险评价 9
第4章 农业银行信贷风险管理对策 11
4.1 建立健全法规制度，防范法律缺失的制度风险 11
4.2 加强信贷队伍建设，防范道德风险 11
4.3加强银行内部控制，减少操作风险 12
4.4提高风险识别水平，建立贷款风险预警体系 12
4.5 建立有效的风险补偿机制，增强风险抵御能力 13
4.6 拓宽资金来源渠道，提高资产流动性与效用性 14

结束语 15
致  谢 16
参考文献 17