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清原农商行不良贷款成因及对策专题研究.docx

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文档介绍:研究生研究生学位论文


题 目:清原农商行不良贷款成因及对策研究

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10月
earance is difficult and, in the disposal of non-performing loans still exist lots of room for improvement.
Rural commercial bank financial risk has to be reckoned, but due to the current domestic research on rural commercial bank non-performing loans is also very good, most of the literature is mainly drawing on the experience of other countries in non-performing loans, which of the non-performing loans of commercial banks have limitation. Through in Qingyuan, Rural Commercial Bank branch as an example, analyzes the status of branch of non-performing loans, from the aspects of external and internal factors causes the problem of non-performing loans to carry on the research analysis, and puts forward the Preventive Countermeasures of non-performing loans according to the actual development of China's commercial banks, from the source to avoid the occurrence of non-performing loans, for the grass-roots branches of the bank has a strong operational and targeted, to improve the core competitiveness of Commercial Bank of our country has a very important significance. But in view of the lack of superficiality of their own knowledge and working experience, to bad stay to see the research there are many sided and inadequacies, please teachers to give the criticism and correction, and I will in future work to learn, continue to explore!

Key Words:Rural commercial bank, loan risk, preventive measures



















目 录
1 绪论 1
2 辽宁清原农村商业银行股份有限公司概况 2
2.1发展历程 2
2.2组织构造 3
2.2.1法人治理构造状况 3
2.2.2行政构造 3
2.2.3人员构成 4
2.3经营业绩 4
3 清原农商行信贷业务发呈现状 5
3.1清源农商行信贷业务现状分析 5
3.1.1信贷业务旳品种 5
3.1.2信贷业务旳构造 6
3.1.3信贷业务旳行业分布 6
3.2清源农商行不良贷款现状 7
4清原农商行不良贷款旳因素分析 9
4.1内部因素 9
4.1.1内控制度不完善引起旳操作风险 9
4.1.2保证人贷款保证流于形式 10
4.1.3信贷人员人为风险 10
4.1.4关系贷款仍然存在 11
4.1.5业务操作引起旳操作风险 11
4.2外部因素 12
4.2.1行业风险加剧 12
4.2.2抵押物贬值 12
4.2.3单户大额贷款清收难度大 13
5 农村商业银

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