【正文】 .........................1 研究背景及意義 .............................................................................................................1 研究背景 ...................................................................................................................1 研究目的及意義 ......................................................................................................2 國內外研究綜述 .............................................................................................................2 國外文獻綜述 ..........................................................................................................2 國內文獻綜述 ..........................................................................................................4 文獻評述 ..................................................................................................................4 研究內容及研究方法 .....................................................................................................5 研究內容 ..................................................................................................................5 研究方法 ..................................................................................................................52 農村商業(yè)銀行信貸風險管理概述 .......................................................................................6 農村商業(yè)銀行發(fā)展歷史 .................................................................................................6 農村商業(yè)銀行發(fā)展現(xiàn)狀 .................................................................................................6 農村商業(yè)銀行貸款種類 .................................................................................................7 自然人農戶類貸款五級分類 .......................................................................................11 農村商業(yè)銀行信貸風險分析、識別、評估及處理 ...................................................12 農村商業(yè)銀行信貸風險分析 ................................................................................12 農村商業(yè)銀行信貸分析的識別 ............................................................................12 農村商業(yè)銀行信貸風險的量化和評估 ................................................................13 農村商業(yè)銀行信貸風險貸后管理及風險處理 ....................................................14 小結 ...............................................................................................................................153 農村商業(yè)銀行風險管理狀況比較分析 .............................................................................16 我國農村商業(yè)銀行發(fā)展概述 .......................................................................................16 農村商業(yè)銀行整體發(fā)展現(xiàn)狀 ................................................................................16 神木農村商業(yè)銀行發(fā)展現(xiàn)狀 ................................................................................16 農村商業(yè)銀行信貸風險比較分析 ...............................................................................17 農村商業(yè)銀行和我國銀行業(yè)平均水平的比較分析 ............................................17 神木農村商業(yè)銀行和銀行業(yè)平均水平比較分析 ................................................19 神木農村商業(yè)銀行信貸風險結構分析 ................................................................20 神木農村商業(yè)銀行信貸風險管理存在的問題 ...........................................................21 信貸風險管理不獨立 ............................................................................................22 貸款行業(yè)集中度過高 ............................................................................................22 信貸管理問題較多，執(zhí)行力有待提高 ................................................................23 內控制度不完善 ....................................................................................................26 小結 ..................................................................................................................................274 農村商業(yè)銀行信貸風險成因分析 .....................................................................................29 歷史遺留因素及體質的制約 .......................................................................................29 信貸管理機制不健全，信貸操作不規(guī)范 ...................................................................30 內控制度存在問題 .......................................................................................................31 客觀因素導致風險產生 ...............................................................................................31 信貸人員綜合素質不高 ...............................................................................................32 信用體系不健全 ...........................................................................................................32 小結 ...............................................................................................................................335 完善農村商業(yè)銀行信貸風險管理的政策建議 .................................................................34 完善公司治理結構，健全風險管理體系 ...................................................................34 完善農村商業(yè)銀行董事會制度 ............................................................................34 發(fā)揮監(jiān)事會的監(jiān)督制約作用 ................................................................................35 健全信貸風險控制組織體系 ................................................................................35 加強農村商業(yè)銀行內部管理制度建設，規(guī)范信貸操作規(guī)程 ...................................36 立足“五個加強”強化信貸基礎管理 .................................................................36 健全“五個體系”，加強信貸風險管理 ............................................................37 做好行業(yè)分析，促進信貸風險管理 ...........................................................................38 分析行業(yè)的研究對象 .............................................................................................38 分析影響行業(yè)興衰的主要因素 .............................................................................39 分析行業(yè)的具體指標 .............................................................................................39 把握行業(yè)規(guī)律規(guī)避信貸風險 .................................................................................40 建立科學的信貸風險預警體系 ...................................................................................41 制定完善的風險預警制度辦法 ...............................................................