【正文】 t : including lack of independence of risk management, Credit risk management seriously lags behind the level of development, high concentration of credit risk, other internal control system is imperfect and so on. Then this article analyses the main reason for the credit risk : including of historical reasons, internal control mechanism of banks is not perfect .nonstandard credit operations and some External causes, such as lack of social credit environment. In the last, this paper puts forward some policies and proposals about improving credit risk management of the rural mercial banks: including improving the corporate governance structure, strengthening Risk management system and the internal management system, standard operating procedures of credit, establishing early warning system about credit risk, continuously improving the credit rating system, strengthening the credit culture building and so on. KEY WORDS: Rural Commercial Bank；Credit；Risk Management；ShenmuIII / 54目 錄1 緒論 .......................................................................................................................................1 研究背景及意義 .............................................................................................................1 研究背景 ...................................................................................................................1 研究目的及意義 ......................................................................................................2 國內(nèi)外研究綜述 .............................................................................................................2 國外文獻綜述 ..........................................................................................................2 國內(nèi)文獻綜述 ..........................................................................................................4 文獻評述 ..................................................................................................................4 研究內(nèi)容及研究方法 .....................................................................................................5 研究內(nèi)容 ..................................................................................................................5 研究方法 ..................................................................................................................52 農(nóng)村商業(yè)銀行信貸風險管理概述 .......................................................................................6 農(nóng)村商業(yè)銀行發(fā)展歷史 .................................................................................................6 農(nóng)村商業(yè)銀行發(fā)展現(xiàn)狀 .................................................................................................6 農(nóng)村商業(yè)銀行貸款種類 .................................................................................................7 自然人農(nóng)戶類貸款五級分類 .......................................................................................11 農(nóng)村商業(yè)銀行信貸風險分析、識別、評估及處理 ...................................................12 農(nóng)村商業(yè)銀行信貸風險分析 ................................................................................12 農(nóng)村商業(yè)銀行信貸分析的識別 ............................................................................12 農(nóng)村商業(yè)銀行信貸風險的量化和評估 ................................................................13 農(nóng)村商業(yè)銀行信貸風險貸后管理及風險處理 ....................................................14 小結(jié) ...............................................................................................................................153 農(nóng)村商業(yè)銀行風險管理狀況比較分析 .............................................................................16 我國農(nóng)村商業(yè)銀行發(fā)展概述 .......................................................................................16 農(nóng)村商業(yè)銀行整體發(fā)展現(xiàn)狀 ................................................................................16 神木農(nóng)村商業(yè)銀行發(fā)展現(xiàn)狀 ................................................................................16 農(nóng)村商業(yè)銀行信貸風險比較分析 ...............................................................................17 農(nóng)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(nóng)村商業(yè)銀行和銀行業(yè)平均水平比較分析 ................................................19 神木農(nóng)村商業(yè)銀行信貸風險結(jié)構(gòu)分析 ................................................................20 神木農(nóng)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(nèi)控制度不完善 ....................................................................................................26 小結(jié) ..................................................................................................................................274 農(nóng)村商業(yè)銀行信貸風險成因分析 .....................................................................................29 歷史遺留因素及體質(zhì)的制約 .......................................................................................29 信貸管理機制不健全，信貸操作不規(guī)范 ...................................................................30 內(nèi)控制度存在問題 .......................................................................................................31 客觀因素導致風險產(chǎn)生 ...............................................................................................31 信貸人員綜合素質(zhì)不高 ...............................................................................................32 信用體系不健全 ...........................................................................................................32 小結(jié) ...............................................................................................................................335 完善農(nóng)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(jié)構(gòu)，健全風險管理體系 ...................................................................34 完善農(nóng)村商業(yè)銀行董事會制度 ..........................................................