MBA教育中心知识库

  农村商业银行作为地方法人银行业金融机构，承担着服务“三农”和支持当地经济发展的重要责任。多年来，农村商业银行依托良好的经济环境与区位优势取得了骄傲的成绩，但在发展的过程中仍然存在不少的问题。由于国际国内经济大环境逐步恶化，再加上许多农村商业银行从农村信用社改制之日起，在公司治理、内部管理、风险防控等多个环节的管理和调控存在较大的问题，对于风险的管理通常只注重表面，公司内部治理结构与银行发展不相适应，导致农村商业银行出现不良资产、贷款双升的局面，金融风险防控压力加大。目前，农村商业银行的信贷风险管理已发展为基层地区金融行业当中解决的首要问题。

  本文主要研究对象为武威农村商业银行，在对国内外商业银行信贷风险管理研究情况进行了解及掌握部分银行信贷风险管理理论的前提下，对武威农村商业银行的基本境况和信贷风险管理能力展开调查研究，发现了目前武威农村商业银行在进行信贷风险管理过程中存在的漏洞，其中有信贷风险管理机制履行不到位，贷款发放操作流程不规范，贷款用途管理不到位，信贷风险资产清收管理效果差，缺乏信贷管理人才等。其次，对问题存在的原因进一步探讨，从内、外两方面分析了该银行信贷风险管理能力不高的原因，为后期提出合理性的建议做了铺垫。最后，对武威农村商业银行信贷风险管理提出了相关对策建议，具体包括优化信贷风险管理组织结构，完善信贷风险管理的内部控制体系，注重信贷管理人才培养，加强贷前调查和贷后管理工作，完善信贷风险预警机制，探索适合农商银行不良贷款处置途径等六个方面。

  本文的研究既能为提升武威农村商业银行信贷风险管理能力提供帮助，同时也对其他农村商业银行信贷风险管理能力的提升具有借鉴意义。

    Rural commercial banks are the main local law enforcement departments that undertake the important responsibility of serving "agriculture,rural areas and farmers" and supporting local economic development. Over the years,rural commercial banks have made proud achievements relying on good economic environment and location advantages,but there are still many problems in the process of development. In recent years,the international and domestic economic environment has gradually deteriorated. Moreover,since the reform of rural credit cooperatives,there are big problems in the management and regulation of corporate governance,internal management,risk control and other aspects. Most of the risk management processes are mere formal, and the internal governance structure of companies is not suitable for the development of banks,which leads to the double rise of non-performing assets and credit,and the increase of financial risk prevention and control pressure of rural commercial banks. At present,the credit risk management of rural commercial banks has become the primary problem in the financial industry of grass-roots areas.

  The main research goal of this paper is Wuwei rural commercial bank. Firstly,after a certain understanding of the research situation of credit risk management of commercial banks,and on the premise of mastering some theories of bank credit risk management,this paper investigates the basic situation and credit risk management ability of Wuwei rural commercial bank. Moreover,this paper finds out the loopholes in the process of credit risk management in Wuwei rural commercial bank,including the poor quality of credit assets,unscientific framework of credit risk management system,non-standard credit operation process,inadequate post loan management,and lack of credit management talents. Secondly,the reasons for the problems are further discussed,and the reasons for the bank's low credit management ability are analyzed from both internal and external aspects,which paves the way for the later reasonable suggestions. Finally,it puts forward relevant countermeasures and suggestions for the credit risk management of Wuwei Rural Commercial Bank. They include: optimize the organizational structure of credit risk management,improve the internal control system of credit risk management,focus on the cultivation of credit management talents,strengthen pre-lending investigations and post-lending management,and improve several aspects of credit risk early warning mechanism.

   The research can not only provide help to improve the credit risk management ability of Wuwei Rural Commercial Bank,but also has reference value for the improvement of the credit risk management ability of other rural commercial banks.