农业银行不良贷款问题研究

—— 以A市分行为例
Study on the Non-performing Loans of the Agriculture Bank of China

作者: 专业:农业推广 导师:董继刚 年度:2009 学位:硕士  院校: 山东农业大学

Keywords

the agriculture bank of china, non-performing loans, Countermeasures

        银行业是风险密集型的行业,其经营的核心资产——信贷资产的风险含量极高,信贷资产质量的高低直接关系到银行自身生存、发展和社会金融秩序的稳定。不良贷款问题是世界各国银行业所面临的共同问题。许多发达国家都发生过不良资产引发的银行危机,此次世界金融危机爆发的主要诱因则主要是美国金融机构长期积累的大量的不良贷款(次级债)而引发的。商业银行不良贷款问题是长期困扰我国银行业运作的焦点问题。面对入世后外资银行的冲击和国内银行参与国际化金融竞争的需要,防范化解银行不良贷款问题,对我国银行业健康、稳健发展具有深远的历史意义和现实意义。本文在依据金融学、经济学等有关理论,在对农业银行A市分行不良贷款的现状、特点存在问题及其成因进行实证考察的基础上,借鉴国外防范和化解商业银行信贷风险的经验,较为系统地提出了处置和化解农业银行不良贷款的的对策建议,以期为实际工作与相关理论研究提供借鉴。全文共分为六部分:第一部分,引言。介绍论文研究的目的、意义,采用的主要研究方法和逻辑思路。第二部分,论文相关的概念和理论。第三部分,以农业银行A市分行为例,阐述该行不良贷款的基本情况、特点和具体的管理情况。第四部分,通过对农业银行A市分行不良贷款的研究,分析不良贷款产生的原因。第五部分,借鉴国外商业银行不良贷款管理的实践经验,总结化解不良贷款的主要措施。第六部分,在上述分析的基础上,针对农业银行A市分行不良贷款管理的现状,提出相应的对策措施。本文的创新之处:(1)以农业银行A市分行为例,运用大量数据和实证考察结果,较为全面系统地分析了不良贷款现状、特点、存在的问题,并从内部和外部两个层面较为系统地分析了农业银行A市分行不良贷款成因。(2)借鉴国外商业银行处置不良贷款的经验,结合基层分行的实际情况提出了防范化解商业银行不良贷款的对策措施,具有较强的针对性和可操作性。
    The banking sector is a risk-intensive industry. Credit assets as the bank’s core assets, is characterized by very high risk. The level of quality of credit assets is directly related to the bank’s survival, development and stability of the financial order. Non-performing loan problem is the universal problem faced by the banking industry all over the world. Many developed countries suffered bank crises caused by non-performing assets, and The main inducement that current world financial crisis broken out just is a large number of non-performing loans (subordinated debt) accumulated by American financial institutions for a long time. The problem of non-performing loans of commercial banks is a local problem which has long been troubling china banking. Facing the impact of foreign banks and needs of adapting to participating in international competition, preventing and defusing risks of non-performing loan have far-reaching historical and practical significance for sound and healthy development of the china banking.According to financial, economic and other relevant theory, based on Positive Expedition to the the status, characteristics, problems and their causes of non-performing loans of a branch of the Agricultural Bank of China, drawing on the experience of preventing and defusing Credit Risk abroad, This paper put forward Countermeasures and Suggestion on disposing and defusing of non-performing loans of a branch of the Agricultural Bank of China with the acquisition of providing useful experience for practical and theoretical work..The paper is divided into six chapters:Chapter One: Introduction. This article mainly introduces the purpose, significance, research method and logical thinking. Chapter Two: concept and theory relate of the paper.Chapter Three: Taking the example of a branch of the Agricultural Bank of China, this article elaborates the Basic information, features and management of non-performing loans.Chapter Fore: Through the study of non-performing loans in A branch of the agriculture bank of china, this article analyzes reason of the non-performing loans.Chapter Five: drawing on the management experience in non-performing loan from foreign commercial banks, this article summarizes the main measures to deal with the non-performing loans.Chapter Six: Based the analyses above, for the status of non-performing loans of A branch of the agriculture bank of china, ,this article advances some corresponding measures.The innovation of this text lies in: First, Taking the example of a branch of the Agricultural Bank of China, this paper elaborates the Present Situation, features and Existing Problems of non-performing loans and analyzes the cause of non-performing loans from two levels of internal and external; second, drawing on the management experience in non-performing loan from foreign commercial banks, according to the facts of Basic Banks, this article raised Measure for preventing and defusing risks of banks’ non-performing loan which has more pertinence and maneuverability.
        

农业银行不良贷款问题研究

中文摘要6-8
Abstract8-9
1 引言10-19
    1.1 选题目的、意义10-11
    1.2 国内外研究综述11-15
    1.3 研究内容、研究方法与技术路线15-17
    1.4 创新点及不足之处17-19
2 不良贷款的相关概念与理论基础19-31
    2.1 基本概念的界定19-25
    2.2 相关理论基础25-31
3 农业银行A 市分行不良贷款的实证分析31-47
    3.1 农业银行 A 市分行基本概况31-34
    3.2 农业银行 A 市分行不良贷款的现状分析34-40
    3.3 农业银行 A 市分行不良贷款的特点40-43
    3.4 农业银行 A 市分行不良贷款的管理情况43-47
4 农业银行不良贷款成因分析47-53
    4.1 农业银行不良贷款的外部因素分析47-50
    4.2 农业银行不良贷款的内部因素分析50-53
5 国外商业银行不良贷款处置的实践经验及对我们的启示53-65
    5.1 美国商业银行不良贷款处置的实践经验53-55
    5.2 日本商业银行不良贷款处置的实践经验55-57
    5.3 中、东欧商业银行不良贷款处置的实践经验57-60
    5.4 启示60-65
6 化解农业银行不良贷款的对策措施65-81
    6.1 转变政府职能,大力推进金融生态建设65-68
    6.2 深化企业改革,建立新型的银企关系68-69
    6.3 加快建立现代商业银行制度69-70
    6.4 加快推进信贷管理体制、机制改革70-76
    6.5 加快推行精细化管理,努力提高信贷管理水平76-81
主要参考文献81-85
致谢85
        下载全文需10


本文地址:

上一篇:农村民俗文化建设研究
下一篇:东营市农业科技信息服务长效机制研究

分享到: 分享农业银行不良贷款问题研究到腾讯微博           收藏
评论排行
公告