86頁(yè)
摘要
我國(guó)金融業(yè)經(jīng)過20年來的改革，建立了以中央銀行為領(lǐng)導(dǎo)、以國(guó)有商業(yè)銀
行和其他股份制商業(yè)銀行為主體、多種金融機(jī)構(gòu)并存和分工協(xié)作的金融體系。
但是，我國(guó)金融業(yè)目前還面臨著嚴(yán)重的困難和問題，不僅影響到商業(yè)銀行信貸
資產(chǎn)的安全，而且影響到整個(gè)金融業(yè)的發(fā)展及國(guó)家經(jīng)濟(jì)的持續(xù)快速發(fā)展。這些
問題墮待在改革開放中予以重視和解決。
農(nóng)業(yè)銀行作為國(guó)有商業(yè)銀行在農(nóng)村金融中起著穩(wěn)定大局和主導(dǎo)發(fā)展的重大
作用。由于農(nóng)業(yè)銀行面對(duì)著鄉(xiāng)鎮(zhèn)企業(yè)和脆弱的農(nóng)業(yè)，優(yōu)質(zhì)客戶較少，又長(zhǎng)期承
擔(dān)了許多政策性金融業(yè)務(wù)，加之管理上的不足，因而不良資產(chǎn)比例居高不下，
風(fēng)險(xiǎn)隱患頗為嚴(yán)重。在四大國(guó)有商業(yè)銀行中，農(nóng)業(yè)銀行為唯一的虧損大行。因
此，研究農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)管理尤為必要。
本文對(duì)農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)進(jìn)行了較深層次的探討，力求從中挖掘出對(duì)我國(guó)
商業(yè)銀行具有借鑒作用的合理內(nèi)核。文章從農(nóng)業(yè)銀行的發(fā)展?fàn)顩r出發(fā)，分析了
歷史和現(xiàn)實(shí)問題，然后探究了信貸風(fēng)險(xiǎn)的成因及對(duì)經(jīng)濟(jì)金融發(fā)展的重大影響。
用定量、定性分析方法對(duì)信貸風(fēng)險(xiǎn)進(jìn)行了預(yù)測(cè)和評(píng)估。從宏、微觀角度研究策
劃了風(fēng)險(xiǎn)控制的措施和方法。文章深刻指出我國(guó)農(nóng)業(yè)銀行要在新形勢(shì)下確立自
己的位置，按照商業(yè)銀行的經(jīng)營(yíng)原則探索新的機(jī)制，完成專業(yè)銀行向現(xiàn)代商業(yè)
銀行的轉(zhuǎn)軌。既不放棄農(nóng)村，又不局限于農(nóng)村，在城鄉(xiāng)結(jié)合部多做文章。在為
農(nóng)業(yè)、農(nóng)村經(jīng)濟(jì)服務(wù)的同時(shí)，擇機(jī)大力發(fā)展城市業(yè)務(wù)，運(yùn)用優(yōu)質(zhì)資產(chǎn)的增量，
稀釋不良資產(chǎn)的存量。把強(qiáng)化信貸風(fēng)險(xiǎn)管理落實(shí)到具體措施當(dāng)中，科學(xué)定性定
量，嚴(yán)格信貸準(zhǔn)入機(jī)制，規(guī)范信貸操作程序，把風(fēng)險(xiǎn)防范和控制于源頭。
關(guān)鍵詞:農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)風(fēng)險(xiǎn)成因風(fēng)險(xiǎn)評(píng)估風(fēng)險(xiǎn)控制
緒論
1·1問題的提出及研究背景·········································
1.1.1現(xiàn)代市場(chǎng)經(jīng)濟(jì)下，金融成為經(jīng)濟(jì)的核心··············
1.1.2信貸風(fēng)險(xiǎn)是我國(guó)商業(yè)銀行最大的金融風(fēng)險(xiǎn)···········
1.1.3加入WTO后農(nóng)業(yè)和金融業(yè)面臨巨大的壓力···········
1.1.4不良資產(chǎn)過多帶來一系列嚴(yán)重后果··········……，’’·
1.2研究思路和主要內(nèi)容············································
2農(nóng)業(yè)銀行發(fā)展?fàn)顩r及比較研究·……”················
2.1農(nóng)業(yè)銀行向商業(yè)銀行的轉(zhuǎn)軌···································
2.1.1發(fā)展歷程·····················································
2.1.2財(cái)務(wù)分析·····················································
2.1.3各項(xiàng)貸款發(fā)展情況·········································
2.L4人員素質(zhì)結(jié)構(gòu)分析·········································
2.1.5組織機(jī)構(gòu)設(shè)置················································
2.1.6網(wǎng)點(diǎn)及人員分布分析·······································
2.2中美四大商業(yè)銀行經(jīng)營(yíng)主要指標(biāo)比較······················
2.3中國(guó)農(nóng)業(yè)銀行與美國(guó)花旗銀行信貸風(fēng)險(xiǎn)管理比較·······
2.3.1美國(guó)花旗銀行概況··········································
2.3.2美國(guó)花旗銀行信貸風(fēng)險(xiǎn)管理特色···，····················
2.3.3中國(guó)農(nóng)業(yè)銀行與美國(guó)花旗銀行信貸風(fēng)險(xiǎn)管理的比較
3農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)導(dǎo)致因素分析·······················
3.1政府問題··························································
3.l·1政府干預(yù)不當(dāng)················································
3.1.2地方保護(hù)主義················································
3.2體制問題··························································
3.2.1中央銀行······················································
3.2.2商業(yè)銀行······················································
3.2.3財(cái)稅制度··，···················································
3.2.4企業(yè)體制······················································
3.2.5國(guó)有資產(chǎn)管理················································
西北工業(yè)大學(xué)MBA論文
3.2.6投資體制··························································
3.2.7社會(huì)保障制度····················································
3.2.8市場(chǎng)融資機(jī)制····················································
3.2.9信用環(huán)境··························································
3.3管理問題····································..