农村信用社可控信贷风险管理研究——以AHP法为基础  

Research on Controllable Credit Risk Management of Rural Credit Cooperatives——Based on the AHP method

作　　者：刘燕[1] 杜雨默 LIU Yan;DU Yumo

机构地区：[1]中国人民银行长春中心支行,吉林长春130051 [2]中国人民银行通化市中心支行,吉林通化134001

出　　处：《吉林金融研究》2021年第5期48-54,共7页Journal of Jilin Financial Research

摘　　要：近年来,我国商业银行发展突飞猛进,成为金融活动的中坚力量,商业银行的信贷业务更是其生存发展的根本,信贷风险的存在具有客观性,但又具有可控性,因此,合理控制商业银行信贷风险,关系我国整个金融行业的稳定发展,更与我国国民经济息息相关,对我国社会主义市场经济的进一步发展完善同样起到至关重要的作用。本文从可控风险视角进行分析,对于DC信用社而言,其可控风险包括信贷操作风险、信贷信用风险和信贷道德风险三类,其风险管理上存在一定问题,不良贷款率居高不下。因此,本文在研究银行可控信贷风险管理的相关理论之后,通过分析其可控信贷风险管理的现状,找出其可控信贷风险管理中存在的漏洞并提出有针对性的完善对策,为优化DC信用社的可控风险管理提供借鉴。In recent years,China’s commercial banks have developed by leaps and bounds and become the backbone of financial activities.The credit business of commercial banks is the foundation of their survival and development.The existence of credit risk is objective but controllable.Therefore,reasonable control of commercial banks Credit risk is related to the stable development of China's entire financial industry,and is closely related to China's national economy.It also plays a vital role in the further development and improvement of China's socialist market economy.The fundamental of commercial bank development is interest.This article analyzes from the perspective of controllable risk.For DC credit cooperatives,the controllable risks include credit operation risk,credit credit risk and credit moral hazard.There are certain problems in risk management,and the non-performing loan rate remains high.Therefore,after studying the relevant theories of bank credit risk management,this paper analyzes the current situation of its controllable credit risk management,fi nds out the loopholes in its credit risk management and proposes targeted and perfect countermeasures to optimize the DC credit cooperative’s Risk management provides a reference.

关 键 词：信贷风险管理 信用风险 信用社 

分 类 号：F830[经济管理—金融学]