农村信用社个人客户授信限额模型研究——以内蒙古农村信用社为例

Research on Rural Credit Cooperative Individual Credit Limit Model: Illustrated by the Case of Inner Mongolia Rural Credit Cooperative

以内蒙古农村信用社个人客户授信限额模型的构建过程及结果为例,阐述了农村信用社个人客户授信限额模型构建的必要性、构建内容、模型验证和监测方法、限额管理建议等。首先对农村信用社构建个人客户授信限额模型的必要性进行了阐述,主要从个人客户授信业务发展和个人客户限额模型的重要性方面展开。其次,分析了个人客户授信限额模型构建方法,主要从常用模型和其他同业机构采用的模型入手进行分析。再次,对内蒙古农村信用社个人客户授信限额模型的内容和要素进行了详细描述;另外,对限额模型的验证和监测方法提出了明确的建议。最后,对农村信用社改善限额管理效果,提出了组织架构治理、制度建设、支持条件、限额应用等方面的改进措施。

This paper studies the necessity, main contents, model verification and supervision method of Individual Credit Limit Model in Rural Credit Cooperatives, illustrated by the example of Inner Mongolia Rural Credit Cooperative Individual Credit Limit Model construction program. Firstly, the paper describes the necessity of constructing Individual Credit Limit Modeling, mainly unfolding from two aspects: development of individual credit limit business and impotence of individual credit limit modeling. Secondly, this paper explores Individual Credit Limit Model construction method by analyzing common models and those used by Inter-bank institutions. Thirdly, the paper describes details of Inner Mongolia Rural Credit Cooperative Individual Credit Limit Model contents and keynotes as well as specific advice of model verification and supervision method. At last, this paper put forward the proposal to improve Rural Credit Cooperative credit limits management, including organizational structure governance, regulations system construction, supporting conditions and credit limits applications.