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The Research On Agricultural Credit Risk Management In CCB Qingdao Pingdu Branch

Posted on:2014-12-12Degree:MasterType:Thesis
Country:ChinaCandidate:Y LiFull Text:PDF
GTID:2269330401468180Subject:Business Administration
Abstract/Summary:PDF Full Text Request
Strengthen the risk management about peasant household loan is the only way for the benign development of the rural micro credit business in China; it is also the inevitable requirement about rural financial institutions, sustainable development. Recent years China Construction Bank branch in PingDu actively implement central’s support "three dimensional rural" policy, seeking effective way to finacially support"three dimensional rural" and has achieved remarkable results. In recent three years the bank’s small loans achieve explosive growth, but utile now the non-performing loans is zero, which not only effectivly promote the local "three dimensional rural"development, but also achieve the rapid development of their business, worked out an effective way for state-owned banks to support "three dimensional rural". In particular, the agricultural credit risk control line, so that the industry made a jaw-dropping performance and is very worthy of study and promotion.This paper act the theory of risk management as the research foundation, not only analyses the elements of risk management, process and targets, but also the basic characteristics,operation mechanism and risk management methods of peasant household loans. On the basis of the theory, Qingdao Pingdu bank branch as an example, I analysis the basic operation situation and the status of the risk management about the peasant household loans, at the same time, I summarizes the main risk that the bank faced, and a case study was carried out. This paper s main research contents and basic conclusions are as follows:In the third chapter of the paper, this paper analyzed the construction bank branch in PingDu in implementing agricultural loan business’ process and the risks. In this paper, the risk is mainly divided into four aspects:credit risk, market risk, and operational risk, legal and institutional risk. Based on the analysis of the causes of these risks, the author probes into the corresponding control measures. To better demonstrate the problems, the author introduces a case to analysis in the forth chapter. By introducing a case—"instant chicken" Liuhe spines in PingDu farmers loans to analyze the faced risks about CCB branch and risk controls. What is more, proved the importance of risk control about farmers’ small loans. It not only concern the reasonable and orderly development of rural economy, but also the sustainable development of farmers microfinance institutions, it is the key to financial institutions, survival.Lively and vivid realistic case effectively to support the article point of the paper. At the same time, the author summarizes the existing risk control research, tries to solve microfinance risk method, the development model and choose the way to be innovative, explore the "Government+Bank+Guarantee+Company+third-party" monitoring the quality in previous risk control research achievements to cope credit risks, policy risks and drawbacks of unsecured. The pattern of Pingdu branch has certain reference significance for other financial institutions’ risk management.
Keywords/Search Tags:Farmers Credit, Risk Management, Case of "Liuhe", Pindu Branch ofCCB
PDF Full Text Request
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