安徽省农村金融机构信贷风险管理研究

Research on Rural Financial Institutions Credit Risk Management in Anhui Province

农村金融机构是农村金融需求的核心,是安徽省解决农户缺乏贷款、促进农村人民增收、加强农村农业经济发展等的重要支撑。然而,大多数农村金融体系天然的脆弱性,所属行业的高风险性,在资信等级评定中又存在主观性,使得农村信贷在实施过程中面临着较大的政策风险、操作风险、监管风险、信用风险和内部控制风险。金融风险的积累很容易导致农村金融的动荡,破坏农村经济社会的稳定。该文在广泛调研和数据搜集的基础上,系统地分析了安徽省农村金融机构的发展现状、存在问题和发展特点等方面的基础上,并对安徽省农村金融机构存在的信贷风险作出相关分析,最后结合实际情况,提出了提高人员素质、健全内部组织、加强信用建设、提高监管水平和加强政府职能等的对策和建议。

Rural financial institutions are the core of the rural finance. The rural financial institutions have played an important role in solving farmer＇s loan difficult problem, increasing farmer＇s income and promoting rural economic development. But its natural vulnerability of the rural financial system, the high risk, make it face great operational risk, internal control risk, credit risk, regulatory risk, policy risk during the implementation process of credit business. The default phenomenon often occurs and the rate of non-performing loan remains high. This easily leads to credit rating inaccurate and the loans can＇t recall in time. The accumulation of financial risks can easily led to financial instability in rural areas, destruction of rural economy and social stability. Based on extensive research and data collection, this paper systematically analyzes the present situation and development characteristics of rural financial institutions in Anhui Province, and makes an analysis of the existing credit risk of rural financial institutions in Anhui Province. Finally, based on the actual situation, including improving the quality of personnel, improving internal organization, strengthening credit construction, improving the level of supervision and strengthening the functions of the government and other targeted countermeasures and suggestions are put forwards.