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Study On Credit Risk Management Of Small And Medium Agricultural Enterprises In Commercial Banks

Posted on:2018-09-11Degree:MasterType:Thesis
Country:ChinaCandidate:B ZhuFull Text:PDF
GTID:2439330590475766Subject:Rural and regional development
Abstract/Summary:PDF Full Text Request
The "three rural" is an important part of the development of county economy,agriculture industry financial development is an important part to promote the steady development of business of agriculture,accelerate the development of small and medium enterprises to promote the county economy,promote the upgrade of agricultural industry upgrading,play an irreplaceable role in the peasants' income Chuangxiao etc.,as well as a key factor to implement urban and rural development strategy,the development of modern agriculture.And to promote the steady development of small and medium-sized enterprises,certainly cannot do without the support of financial institutions on the credit,but the current situation is due to agriculture related small and medium-sized enterprises have the characteristics of weak agriculture,compared with other small and medium-sized enterprises,the financing is more difficult,therefore,conscientiously carry out the study on the risk management of small and medium-sized enterprises and agricultural credit.Discussing how to make banks work in the service of agriculture related credit and has important practical significance for the prevention of credit risk and maintain the safety and profitability of assets management.This paper first expounds the theoretical basis of credit risk management of small and medium agricultural enterprises from four aspects of expected income,credit rationing,information transaction costs and information asymmetry.Secondly,take analysis combining theory and practice,analyzes the status quo of credit risk management of commercial banks of small and medium-sized enterprises of N,including the factors of regional agricultural development,N commercial bank small agricultural credit business development status and measures were outlined.Then the banks in the credit risk management system,evaluation mechanism,client survey,loan review,customer credit risk management problems in view of the above situation,and through the bank's internal factors,external factors and social agricultural industry particularity and other aspects of the formation of questions asking why.Finally,the author systematically put forward to improve the management of credit risk of small and medium sized enterprises countermeasures and suggestions,first to improve agricultural risk management,including risk management construction,system construction,the credit rating process,simplify the implementation of differential pricing,second need to improve personnel management system,including personnel incentive,staff development,the list of enterprises system management,will require a third credit business model innovation,including the innovation of guarantee and innovative business varieties.Commercial bank credit risk management has always been a commonplace talk of an old scholar topic,author clear market segmentation,only from the perspective of small and medium-sized agricultural enterprises to establish a simple process service,dynamic credit risk management framework of cost management,which has the recognition of agro industry risk inherent in the reality of,and has the advantages of innovation the risk management mode of operation,making it more effectively through the financing channel of small and medium-sized enterprises,contribute to the promotion of financial services for the "three rural".
Keywords/Search Tags:Bank credit, small and medium agricultural enterprise loans, risk management, Liuyang City
PDF Full Text Request
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