86頁
摘要
我國金融業(yè)經(jīng)過20年來的改革，建立了以中央銀行為領導、以國有商業(yè)銀
行和其他股份制商業(yè)銀行為主體、多種金融機構(gòu)并存和分工協(xié)作的金融體系。
但是，我國金融業(yè)目前還面臨著嚴重的困難和問題，不僅影響到商業(yè)銀行信貸
資產(chǎn)的安全，而且影響到整個金融業(yè)的發(fā)展及國家經(jīng)濟的持續(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)銀行作為國有商業(yè)銀行在農(nóng)村金融中起著穩(wěn)定大局和主導發(fā)展的重大
作用。由于農(nóng)業(yè)銀行面對著鄉(xiāng)鎮(zhèn)企業(yè)和脆弱的農(nóng)業(yè)，優(yōu)質(zhì)客戶較少，又長期承
擔了許多政策性金融業(yè)務，加之管理上的不足，因而不良資產(chǎn)比例居高不下，
風險隱患頗為嚴重。在四大國有商業(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)銀行信貸風險管理尤為必要。
本文對農(nóng)業(yè)銀行信貸風險進行了較深層次的探討，力求從中挖掘出對我國
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)展狀況出發(fā)，分析了
歷史和現(xiàn)實問題，然后探究了信貸風險的成因及對經(jīng)濟金融發(fā)展的重大影響。
用定量、定性分析方法對信貸風險進行了預測和評估。從宏、微觀角度研究策
劃了風險控制的措施和方法。文章深刻指出我國農(nóng)業(yè)銀行要在新形勢下確立自
己的位置，按照商業(yè)銀行的經(jīng)營原則探索新的機制，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)濟服務的同時，擇機大力發(fā)展城市業(yè)務，運用優(yōu)質(zhì)資產(chǎn)的增量，
稀釋不良資產(chǎn)的存量。把強化信貸風險管理落實到具體措施當中，科學定性定
量，嚴格信貸準入機制，規(guī)范信貸操作程序，把風險防范和控制于源頭。
關(guān)鍵詞:農(nóng)業(yè)銀行信貸風險風險成因風險評估風險控制
緒論
1·1問題的提出及研究背景·········································
1.1.1現(xiàn)代市場經(jīng)濟下，金融成為經(jīng)濟的核心··············
1.1.2信貸風險是我國商業(yè)銀行最大的金融風險···········
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)展狀況及比較研究·……”················
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財務分析·····················································
2.1.3各項貸款發(fā)展情況·········································
2.L4人員素質(zhì)結(jié)構(gòu)分析·········································
2.1.5組織機構(gòu)設置················································
2.1.6網(wǎng)點及人員分布分析·······································
2.2中美四大商業(yè)銀行經(jīng)營主要指標比較······················
2.3中國農(nóng)業(yè)銀行與美國花旗銀行信貸風險管理比較·······
2.3.1美國花旗銀行概況··········································
2.3.2美國花旗銀行信貸風險管理特色···，····················
2.3.3中國農(nóng)業(yè)銀行與美國花旗銀行信貸風險管理的比較
3農(nóng)業(yè)銀行信貸風險導致因素分析·······················
3.1政府問題··························································
3.l·1政府干預不當················································
3.1.2地方保護主義················································
3.2體制問題··························································
3.2.1中央銀行······················································
3.2.2商業(yè)銀行······················································
3.2.3財稅制度··，···················································
3.2.4企業(yè)體制······················································
3.2.5國有資產(chǎn)管理················································
西北工業(yè)大學MBA論文
3.2.6投資體制··························································
3.2.7社會保障制度····················································
3.2.8市場融資機制····················································
3.2.9信用環(huán)境··························································
3.3管理問題····································..