MBA教育中心知识库

摘 要

农村信用社作为农村中小金融机构的领头羊，主要经营传统的存贷款业务，经营业务品种单一，利润来源几乎全部依靠存贷款利差，信贷风险集中度较高，一旦大面积的信贷资产出现风险，便意味着经营危机的到来。所以这类机构要采用多种措施加强对信贷资产风险的管控，最大程度地提高信贷资产质量，从而确保信贷资金的安全性、流动性和效益性。

皋兰县农村信用合作联社（以下简称皋兰县联社）作为地方性金融机构，恪守“大信为农、相合共生”的初心使命，为皋兰县域内客户提供金融产品和服务。为了将借记卡和个人循环贷款实现联动，皋兰县联社开发了的一种创新性贷款产品卡贷通业务，它是在现有的银行卡系统的基础上增加新型信贷业务产品，通过联动核心业务系统为客户提供比信用卡更加便捷的融资服务。本文以皋兰县联社卡贷通贷款为研究对象，通过借鉴国内外有关信贷风险管理的研究，运用现代商业银行的全面风险管理理论等相关理论知识，结合皋兰县联社实际，分析卡贷通风险状况，从信贷风险管理组织、管理流程、管理队伍、管理制度等方面全面分析卡贷通信贷风险管理现状，结合问卷调查，发现卡贷通信贷风险管理中存在的风险管理文化缺失；风险识别不够全面且缺乏深度；风险计量方式单一；风险控制工具较少等问题，在此基础上提出强化卡贷通风险文化建设；落实卡贷通信贷风险识别要求；优化卡贷通风险计量模式；丰富风险控制工具，健全公司治理架构和风险管理流程等相应的对策建议。

Abstract

As the leader of rural small and medium-sized financial institutions, rural credit cooperatives mainly operate traditional deposit and loan business, with a single business variety, and the source of profit is almost entirely dependent on the deposit and loan spreads. The credit risk concentration is high. Once a large area of credit assets is at risk, It means the arrival of a business crisis. Therefore, such institutions must adopt a variety of measures to control and strengthen the control of credit risks, and to maximize the quality of credit assets, so as to ensure the safety, liquidity and efficiency of credit funds.

As a local financial institution, Gaolan County Rural Credit Cooperative Association (hereinafter referred to as Gaolan County Association) abides by the original mission of "big credit for agriculture, consistency and symbiosis", and provides financial products and services for customers in Gaolan county. In order to realize the linkage between debit card and personal revolving loan, Gaolan County associated press has developed an innovative loan product card loan service, which adds new credit business products on the basis of the existing bank card system and provides customers with more convenient financing services than credit card through the linkage core business system. This paper takes the card loan of Gaolan County associated press as the research object, draws lessons from the research on credit risk management at home and abroad, uses the comprehensive risk management theory of modern commercial banks and other relevant theoretical knowledge, and combines the reality of Gaolan County Associated Press, analyzes the card loan risk situation, from the credit risk management organization, management process, management team The management system and other aspects comprehensively analyze the current situation of card loan communication loan risk management, combined with the questionnaire survey, it is found that there is a lack of risk management culture in card loan communication loan risk management; Risk identification is not comprehensive and lack of depth; Single risk measurement method; On this basis, it is proposed to strengthen the construction of risk culture of card loan through; Implement the risk identification requirements of card loan communication; Optimize the risk measurement mode of card loan; Enrich risk control tools, improve corporate governance structure and risk management process and other corresponding countermeasures and suggestions.