摘 要:随着这几年中国的加速发展，金融行业逐渐与国际接轨，整体面貌日趋健全，但是，国际金融动荡以及许多不确定因素也会影响到国内金融行业的发展。尤其是银行业，最近几年更是与时代接轨，推出网上银行，使得银行市场变得越来越自由化。同时面临着不可预料的经营环境，就如目前我国商业银行贷款风险尤为突出，而其中占主要地位的农村商业银行在贷款这一方面还依旧存在很多问题需要解决。文章希望通过对江苏省海安农村商业银行的贷款情况及现状，以及贷款中存在的贷款现状和它的风险分析，期望能够为海安农村商业银行提供参考建议，推动海安农村商业银行平稳快速发展。81635

毕业论文关键词： 农村商业银行，不良贷款，贷款风险

Abstract: With the accelerated development of China in recent few years, the finance industry gradually connects with the world and the overall face is becoming more and more perfect。 But, international financial turbulence and many uncertain factors will also influence the development of domestic finance industry。 Especially banking industry which connect with the world in recent years。 Online bank is launched, which makes bank market become freer and freer。 At the same time, it is faced with unpredictable operation environment。 For example, At present, the  loan risk of our country’s commercial banks is particularly prominent。 While rural commercial banks which occupy a dominant position in them still have many problems to be solved in loan aspect。 Through the loan situation and status of the rural commercial banks of Haian, Jiangsu Province and the loan status and its risk analysis, this article hopes to be able to provide reference suggestions for rural commercial banks in Haian in order to promote the stable and fast development of rural commercial banks of Haian。

Keywords：Rural commercial bank, Bad loans, Loan risk

目    录

1引言 3

2海安农村商业银行的概述 3

2。1海安农村商业银行的发展历史 3

2。2海安农村商业银行的营业模式 4

2。3海安农村商业银行的经营状况分析 5

3海安农村商业银行的贷款现状与问题 6

3。1 海安农村商业银行贷款业务的种类及特点 6

3。2海安农村商业银行贷款以及不良贷款情况分析 7

3。3海安农村商业银行所存在的贷款问题 8

4海安农村商业银行的贷款风险成因分析 9

4。1 贷款管理体系薄弱 9

4。2 员工贷款风险防范意识不强 10

4。3 外部众多不确定因素的干扰 11

4。4 疏于对各项财务指标的调查 12

5海安农村商业银行贷款风险防范措施 13

5。1加强内部管理制度建设 13

5。2努力进行员工素质培训 14

5。3构建健全的风险管理体系 14

5。4完善财务分析体系 15

结   论 16

参 考 文 献 17

致  谢