Lanzhou University of Finance and Economics. All
| 作者 | 田媛 |
| 姓名汉语拼音 | tianyuan |
| 学号 | 2017000011433 |
| 培养单位 | 兰州财经大学 |
| 电话 | 18794361217 |
| 电子邮件 | 578154799@qq.com |
| 入学年份 | 2017 |
| 学位类别 | 专业硕士 |
| 培养级别 | 硕士研究生 |
| 学科门类 | 管理学 |
| 一级学科名称 | 工商管理硕士(MBA) |
| 学科代码 | 1251 |
| 授予学位 | 管理学硕士 |
| 第一导师姓名 | 庞楷 |
| 第一导师姓名汉语拼音 | pangkai |
| 第一导师单位 | 兰州财经大学 |
| 第一导师职称 | 教授 |
| 题名 | 农业银行会宁县支行扶贫贷款风险研究 |
| 英文题名 | Study on the risk of poverty alleviation loan in Huining County branch of Agricultural Bank of China |
| 关键词 | 会宁县 农业银行 扶贫贷款 风险管理 |
| 外文关键词 | Huining County ; agricultural bank ; Poverty alleviation loan ; risk management |
| 摘要 | 十九大报告中指出，精准脱贫是决胜全面建成小康社会的三大攻坚战之一，各类商业银行，理应积极承担社会责任，开展金融扶贫，助力精准脱贫。十九大报告也强调，要“守住不发生系统性风险的底线”，随着我国经济下行压力加大，风险防控的任务越来越紧迫，商业银行如何在严监管、强问责的形势下做好扶贫贷款风险防控意义重大。中国农业银行作为国有大型商业银行，也是扶贫贷款业务开展较早的金融机构。截止2019年6月，甘肃省全省累计发放扶贫贷款691.31亿元，对甘肃省全面脱贫发挥了巨大作用。会宁县是甘肃的深度贫困县，扶贫贷款规模较大，2019年会宁县农行发放扶贫贷款9947.06万元，累计发放扶贫贷款24328万元，且风险暴露较为突出，因此研究会宁县农行的扶贫贷款情况不仅对农业银行本身的经营管理有重要意义，而且对其他商业银行的扶贫贷款风险管理亦有重要借鉴意义。 论文首先在对研究背景和意义阐述的基础上，对国内外有关扶贫信贷风险管理的研究文献做了详尽的综述，并论述了扶贫贷款和风险管理的相关理论知识和基础性概念，为本文的后续研究打下理论基础。其次，论文对会宁县农行的基本情况、风险表现形式以及扶贫贷款管理现状进行分析的基础上，总结出了会宁县农行在扶贫贷款风险管理方面存在着风险管理组织架构不科学、内部控制体系不健全、农户信用评价指标设置不合理以及信用评估量化体系不完整等问题。综合分析了上述问题产生的原因，发现扶贫贷款队伍建设滞后、风险处置重视程度不够、稽查部门权威性不足、信用体系不健全等是造成当前扶贫贷款风险暴露的主要原因。再次，论文针对存在的问题及其原因提出了扶贫贷款风险管理的具体优化内容，包括调整风险组织架构、改革内部控制机制、完善农户信用评级机制、完善风险评估量化体系。最后，论文针对扶贫贷款风险管理的优化可能遇到的困难和需要的支持提出了相应的保障措施。 |
| 英文摘要 | According to the report of the 19th National Congress, accurate poverty alleviation is one of the three major battles to win a comprehensive well-off society. All kinds of commercial banks should actively assume social responsibilities, carry out financial poverty alleviation, and help precision poverty alleviation.The report of the 19th National Congress of the CPC also emphasized that it is necessary to "keep the bottom line where systemic risks do not occur." As China ’s economic downward pressure increases, the task of risk prevention and control becomes increasingly urgent.Improving the risk prevention and control of poverty alleviation loans is of great significance.As a large state-owned commercial bank, Agricultural Bank of China is also an early financial institution that launched poverty alleviation loan business.As of June 2019, Gansu Province has issued a total of 69.131 billion yuan in poverty alleviation loans, which has played a significant role in alleviating poverty in Gansu Province.Huining County is a deeply poverty-stricken county in Gansu. The scale of poverty alleviation loans is large. In 2019, the Agricultural Bank of Huining County issued a poverty alleviation loan of 99.47 million yuan, and a total of 243.28 million yuan was issued, and the risk exposure is more prominent. Therefore, studying the poverty alleviation loans of the Agricultural Bank of Huining County is not only of great significance to the operation and management of Agricultural Bank itself, but also the poverty alleviation of other commercial banks.Loan risk management also has important reference significance. First, based on the research background and significance, the paper makes a comprehensive review of the research literature on poverty risk management at home and abroad.It also discusses the related theoretical knowledge and basic concepts of poverty alleviation loans and risk management, laying a theoretical foundation for the follow-up research in this paper.Secondly, the paper analyzes the basic situation, risk manifestations, and current situation of poverty alleviation loan management of Huining County, and believes that Huining County has unscientific risk management organizational structure, incomplete internal control system, and inadequate setting of farmer household credit evaluation indicators in terms of poverty alleviation loan risk management. Reasonable and incomplete credit evaluation quantitative system.After comprehensively analyzing the causes of the above problems, it is found that the lag in the construction of poverty alleviation loan teams, insufficient attention to risk disposal, insufficient authority of the inspection department, and imperfect credit system are the main reasons for the current risk exposure of poverty alleviation loans.Third,the paper puts forward the optimized content of poverty alleviation loan risk management, including adjusting the risk organization structure, reforming the internal control mechanism, improving the credit rating mechanism of farmers, and improving the quantitative risk assessment system.Finally, the thesis puts forward corresponding safeguard measures against the difficulties that may be encountered in the optimization of poverty alleviation loan risk management and the support needed. |
| 学位类型 | 硕士 |
| 答辩日期 | 2020 |
| 学位授予地点 | 甘肃省兰州市 |
| 页数 | 57 |
| 研究方向 | 企业风险管理 |
| 论文总页数 | 57 |
| 论文印刷版中手工粘贴图片页码 | 0 |
| 插图总数 | 6 |
| 插表总数 | 4 |
| 参考文献总数 | 50 |
| 馆藏号 | 0004007 |
| 保密级别 | 公开 |
| 中图分类号 | F203.9/787 |
| 文献类型 | 学位论文 |
| 条目标识符 | http://ir.lzufe.edu.cn/handle/39EH0E1M/30914 |
| 专题 | 兰州财经大学 |
| 作者单位 | 兰州财经大学-MBA中心 |
| 第一作者单位 | MBA教育中心 |
| 推荐引用方式 GB/T 7714 | 田媛 . 农业银行会宁县支行扶贫贷款风险研究 [D]. 甘肃省兰州市. 兰州财经大学,2020. |
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| 文件名称/大小 | 文献类型 | 版本类型 | 开放类型 | 使用许可 | ||
| 农业银行会宁县支行扶贫贷款风险研究.PD（566KB） | 学位论文 | 暂不开放 | CC BY-NC-SA | 请求全文 | ||
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