MBA教育中心知识库

       农村信用社在我国金融服务体系中占据重要地位，是新时期农村经济的中坚 力量，主要和核心任务是助力我国乡村振兴战略。随着经济的不断发展和金融市 场的日益复杂化，信贷风险已经成为农村信用社面临的重要问题，因此，对信贷 风险进行有效的管理和优化，对于农村信用社的稳定发展和风险控制具有重要的 现实意义。

      本文通过梳理信贷风险相关的概念和基本理论，以皋兰县农村信用合作联社 为研究对象，以贷款的风险管理为研究问题，发现皋兰县农村信用合作联社信贷 风险管理面临着信贷结构失衡、信贷风险管理流程存在缺陷、信贷风险预警体系 落后、信贷文化建设欠缺、信贷及风险管理专业人才不足五大问题，是由宏观环 境、政策、信贷市场信息不对称、借款客户经营状况不佳、借款客户的恶意欺瞒 等外部环境以及风险管理制度不完善、信贷方面专业人才匮乏、客户经理的道德 风险等内部环境造成的，因此建议通过信贷业务优化、规范信贷风险管理流程、 健全信贷风险的预警体系、培育优良信贷风险企业文化、加强信贷相关专业人才 的培养等措施来实现风险管理的优化。

       Rural credit cooperatives occupy an important position in China's financial service system, and are the backbone of the rural economy in the new era. The main and core task is to help China's rural revitalization strategy. With the continuous development of economy and the increasing complexity of the financial market, credit risk has become an important problem facing rural credit cooperatives. Therefore, the effective management and optimization of credit risk has important practical significance for the stable development and risk control of rural credit cooperatives.

     This article reviews the concepts and basic theories related to credit risk, taking Gaolan County Rural Credit Union as the research object and the risk management of loans as the research problem. It is found that the credit risk management of Gaolan County Rural Credit Union faces five major problems: imbalanced credit structure, defects in the credit risk management process, outdated credit risk warning system, lack of credit culture construction, and insufficient professional talents in credit and risk management, It is caused by external factors such as macro environment, policies, asymmetric information in the credit market, poor operating conditions of borrowing customers, malicious deception of borrowing customers, as well as internal factors such as imperfect risk management systems, lack of professional credit talents, and moral hazard of customer managers. Therefore, it is recommended to optimize credit business, standardize credit risk management processes, and improve credit risk warning systems Measures such as cultivating a good credit risk corporate culture and strengthening the training of credit related professionals are taken to optimize risk management.