农村信用社信贷风险分析与控制研究

农村信用社信贷风险分析与控制研究摘要：农村信用社信贷风险分析与控制是农村信用社持续健康发展的重要保障，是其信贷管理工作的重中之重。本文在分析农村信用社信贷风险基本特征的基础上，对农村信用社信贷风险存在的问题进行了探讨。研究表明：由于宏观经济环境变化、监管力度不强、内部管理机制不完善等原因，导致农村信用社信贷风险不断加大，主要表现为：信贷风险规模持续增大、贷款集中度较高、不良贷款比例较高等。在此基础上，提出了强化农村信用社信贷风险控制的对策建议：一是加强制度建设，提高风险管理水平：二是完善内控制度，提升经营管理水平：三是完善机构设置，提高人员素质：四是强化风险监测和预警，完善监督体系。关键词：农村信用社：信贷风险：贷款Research on Credit Risk Analysis andControl of Rural Credit CooperativesAbstract The credit risk analysis and control of rural credit cooperatives is an importantguarantee for the sustainable and healthy development of rural credit cooperatives,and it isthe top priority of their credit management.Based on the analysis of the basic characteristicsof credit risk of rural credit cooperatives,this paper discusses the existing problems of creditrisk of rural credit cooperatives.The research shows that the credit risk of rural creditcooperatives is increasing due to the changes in macroeconomic environment,weaksupervision and imperfect internal management mechanism,which are mainly manifested inthe continuous increase of credit risk scale,high loan concentration and high proportion ofnon-performing loans.On this basis,this paper puts forward some countermeasures andsuggestions to strengthen the credit risk control of rural credit cooperatives:first,strengthenthe system construction and improve the risk management level;The second is to improve theinternal control system and improve the management level;The third is to improve theinstitutional setup and improve the quality of personnel;The fourth is to strengthen riskmonitoring and early warning and improve the supervision system.Keywords:rural credit cooperatives;Credit risk;loan目录第1章引言…1.1研究背景.…1.2研究意义…第2章农村信用社信贷的现状分析..22.1信贷的界定….22.2农村信用社的信贷现状..3第3章农村信用社信贷风险类型..53.1信用风险类型.53.2信用风险类型….6第4章农村信用社信贷风险的成因….84.1信用风险管理认识不足.84.2信贷风险的控制机制不健全.94.3信贷风险界定不明确.….94.4内部控制机制薄弱…10第5章农村信用社信贷的风险控制措施115.1加强信用风险管理认识.115.2健全和完善信贷风险控制机制..125.3明确和界定信贷风险权责范围…125.4加强内部控制机制13第6章结语..14致谢…15参考文献.16