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| 中国农业银行信贷业务中的风险及防范问题研究 【摘要】当今社会随着时代的发展，经济在不断地进步，越来越多的人办理信贷业务，银行之间的竞争也就越来越激烈，在这一系列的过程中，我国的银行发展也面临了极大的问题，银行的信贷业务及其管理政策一直都是银行发展中面临的一大难题，许多银行随着不良贷款率的增加，给银行带来了极大的消极影响。国内的商业银行面临着越来越多的不确定因素，若想在经济发展中占得一席之地，必须要正确地制定信贷风险管理的对策。 本文选取了中国农业银行进行分析，中国农业银行是我国重要的国有银行，通过对中国农业银行信贷业务的分析，阐述了当今银行的信贷业务存在的风险及问题，最后对农业银行如何有效规避信贷风险提出了对策和建议。 【关键词】信贷风险；不良贷款；中国农业银行；防范措施 Research on risk and Prevention in credit business of Agricultural Bank of China In today's society with the development of The Times, economy in constant progress,more and more people to handle the credit business,the competition between Banks is more and more intense, in the process of the series,the development of China's Banks also face a great problem, bank credit business and its management policy has been is facing a big problem in the bank's development, many Banks with the increase of non-performing loans, has brought great negative influence to the bank. Domestic commercial Banks are faced with more and more uncertain factors, if they want to take a place in the economic development,they must correctly formulate the countermeasures of credit risk management. This paper selects agricultural Bank of China for analysis.Agricultural Bank of China is an important state-owned bank in China.Through the analysis of the credit business of Agricultural Bank of China,this paper expounds the risks and problems existing in the credit businessof current Banks, and finally puts forward countermeasures and Suggestionson how to effectively avoid the credit risk of agricultural Bank of China. Key words: credit risk;bad loans; Agricultural Bank of China; Measures to prevent 目 录 引言 1 一、文献综述 1 （一）国外关于信贷业务的研究 1 （二）国内关于信贷业务的研究 2 二、我国商业银行信贷风险背景 2 （一）商业银行贷款 2 （二）商业银行信贷风险发展过程 2 （三）商业银行信贷管理理论 3 （四）四大国有商业银行不良贷款趋势 3 三、中国农业银行的信贷管理概况 4 （一）中国农业银行信贷管理的制度 4 （二）中国农业银行近几年的不良贷款 4 四、 中国农业银行信贷管理面临的问题 9 （一）中国农业银行信贷风险的来源 9 （二）中国农业银行信贷风险管理的问题 10 五、中国农业银行信贷风险管理的对策 12 （一）完善内部评级制度 12 （二）分散贷款的集中性 13 （三）落实审贷分离的环节 13 （四）落实绿色信贷业务 14 （五）通过和互联网企业的合作来优势互补 14 六、结论 14 参考文献： 15 致 谢 17 |
