發(fā)布時(shí)間：2018-01-16 10:21

  本文關(guān)鍵詞：A國(guó)有商業(yè)銀行擔(dān)保圈貸款風(fēng)險(xiǎn)管理研究　出處：《吉林大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 擔(dān)保圈 風(fēng)險(xiǎn)管理

【摘要】：當(dāng)前,經(jīng)濟(jì)基本面和社會(huì)大局基本穩(wěn)定,但是經(jīng)濟(jì)走勢(shì)仍然分化,經(jīng)濟(jì)下行壓力和困難在一段時(shí)期內(nèi)將持續(xù)存在。由于市場(chǎng)需求不振,企業(yè)營(yíng)運(yùn)成本上升,伴隨“三去、一降、一補(bǔ)”等工作加快推進(jìn),企業(yè)面臨轉(zhuǎn)型陣痛。對(duì)于服務(wù)實(shí)體經(jīng)濟(jì)的銀行業(yè)來(lái)說(shuō),不良貸款增加和有效信貸需求不足成為最直接的影響。自2012年起,全國(guó)銀行業(yè)不良余額和不良率進(jìn)入上升通道。面對(duì)嚴(yán)峻的外部形勢(shì),銀行必須持續(xù)加強(qiáng)資產(chǎn)質(zhì)量的精細(xì)化管理,提升風(fēng)險(xiǎn)防控能力,及時(shí)調(diào)整優(yōu)化信貸結(jié)構(gòu),提升產(chǎn)品創(chuàng)新能力,才能有效抵御經(jīng)濟(jì)“新常態(tài)”的沖擊。近年來(lái),我國(guó)部分地區(qū)企業(yè)擔(dān)保圈導(dǎo)致的信貸風(fēng)險(xiǎn)大量暴露,給銀行信貸資產(chǎn)帶來(lái)較大風(fēng)險(xiǎn)。擔(dān)保圈常見(jiàn)的擔(dān)保模式有互保、聯(lián)保、循環(huán)保等。這些擔(dān)保方式易導(dǎo)致企業(yè)過(guò)度授信和多頭授信,增加發(fā)生風(fēng)險(xiǎn)和傳遞風(fēng)險(xiǎn)的可能性。尤其在經(jīng)濟(jì)下行周期,如果圈中某個(gè)企業(yè)或者某些企業(yè)出現(xiàn)經(jīng)營(yíng)困難或者財(cái)務(wù)危機(jī),通常會(huì)導(dǎo)致多米諾骨牌效應(yīng),將風(fēng)險(xiǎn)傳染到整個(gè)擔(dān)保圈,以至于圈內(nèi)企業(yè)整體陷入困境。銀行業(yè)需要充分認(rèn)識(shí)當(dāng)前擔(dān)保圈風(fēng)險(xiǎn)問(wèn)題的嚴(yán)重性和復(fù)雜性,研究采取有效措施,防止區(qū)域性、系統(tǒng)性金融風(fēng)險(xiǎn)的發(fā)生。央行發(fā)布的《中國(guó)金融穩(wěn)定報(bào)告(2016)》認(rèn)為,2015年,我國(guó)宏觀經(jīng)濟(jì)運(yùn)行總體平穩(wěn),金融業(yè)改革全面深化,金融體系總體穩(wěn)健,銀行業(yè)資產(chǎn)負(fù)債規(guī)模保持增長(zhǎng),銀行業(yè)整體資本充足率穩(wěn)中有升,信用風(fēng)險(xiǎn)總體可控。報(bào)告還指出,當(dāng)前,我國(guó)經(jīng)濟(jì)正處于結(jié)構(gòu)調(diào)整和轉(zhuǎn)型升級(jí)的關(guān)鍵時(shí)期,金融穩(wěn)定面臨諸多挑戰(zhàn),企業(yè)杠桿率仍然高企,商業(yè)銀行不良貸款持續(xù)反彈。商業(yè)銀行風(fēng)險(xiǎn)管理能力直接影響其資產(chǎn)質(zhì)量水平,而資產(chǎn)質(zhì)量水平又會(huì)直接影響商業(yè)銀行的利潤(rùn),換句話(huà)說(shuō),資產(chǎn)質(zhì)量水平是商業(yè)銀行實(shí)現(xiàn)可持續(xù)發(fā)展的生命線(xiàn)。其中,信貸資產(chǎn)是銀行風(fēng)險(xiǎn)程度最高,也是最主要的資產(chǎn)構(gòu)成部分。由此可見(jiàn),信貸資產(chǎn)的質(zhì)量管理是商業(yè)銀行風(fēng)險(xiǎn)管理中最為重要的組成部分,直接影響我國(guó)金融體系的穩(wěn)健以及商業(yè)銀行自身的生存和發(fā)展。商業(yè)銀行及監(jiān)管部門(mén)必然會(huì)高度重視擔(dān)保圈貸款風(fēng)險(xiǎn),如何有效地防范與化解擔(dān)保圈貸款風(fēng)險(xiǎn)是商業(yè)銀行及監(jiān)管部口亟待解決的重大問(wèn)題。本文通過(guò)借鑒國(guó)內(nèi)外學(xué)者對(duì)商業(yè)銀行擔(dān)保圈及其風(fēng)險(xiǎn)管理研究,并結(jié)合自身工作,對(duì)A國(guó)有商業(yè)銀行擔(dān)保圈貸款的現(xiàn)象和成因進(jìn)行分析,對(duì)改進(jìn)該國(guó)有商業(yè)銀行擔(dān)保圈貸款風(fēng)險(xiǎn)進(jìn)行了交流性的研究和方案設(shè)計(jì),并最終形成幾點(diǎn)改進(jìn)方案的保障措施,希望能對(duì)商業(yè)銀行及監(jiān)管部口亟待解決的問(wèn)題——如何有效地防范與化解擔(dān)保圈貸款風(fēng)險(xiǎn),具有一定的借鑒意義。
[Abstract]:At present, the economic fundamentals and the overall social situation are basically stable, but the economic trend is still divided, economic downward pressure and difficulties will persist for a period of time. Along with "three go, one decline, one compensation" and other work to accelerate the progress, enterprises are facing transition pains. For the service of the real economy of the banking industry. The increase of non-performing loans and the insufficient demand for effective credit have become the most direct impact. Since 2012, the bad balance and the bad rate of the national banking industry have entered the rising channel, facing the severe external situation. Banks must continue to strengthen the fine management of asset quality, improve the ability of risk prevention and control, adjust and optimize the credit structure in time, and enhance the ability of product innovation, in order to effectively resist the impact of the "new normal" of the economy in recent years. The credit risk caused by the enterprise guarantee circle in some regions of our country is exposed in large quantities, which brings great risks to the bank credit assets. The common guarantee mode in the guarantee circle is mutual insurance and protection. Environmental protection and so on. These forms of guarantee tend to lead to excessive credit and long credit, increasing the risk and transmission of risk, especially in the economic downturn cycle. If one or some of the enterprises in the circle have difficulty in operation or financial crisis, it will usually lead to domino effect and spread the risk to the whole guarantee circle. The banking industry needs to fully understand the seriousness and complexity of the risk problem of the current guarantee circle, and take effective measures to prevent the regional. The report on China's Financial Stability issued by the Central Bank of China (2016) holds that in 2015, China's macroeconomic operation was generally stable and the financial sector reform deepened in an all-round way. The financial system is generally sound, the scale of banking assets and liabilities remains growing, the overall capital adequacy ratio of the banking sector is steadily rising, and the overall credit risk is under control. China's economy is in the key period of structural adjustment and transformation and upgrading, financial stability is facing many challenges, corporate leverage ratio is still high. Commercial banks' non-performing loans continue to rebound. Commercial banks' risk management ability directly affects their asset quality, and the level of asset quality will directly affect the profits of commercial banks, in other words. The level of asset quality is the lifeline for commercial banks to achieve sustainable development. The quality management of credit assets is the most important part in the risk management of commercial banks. It has a direct impact on the stability of our financial system and the survival and development of commercial banks themselves. Commercial banks and regulatory authorities will inevitably attach great importance to the risk of loans in guarantee circles. How to effectively prevent and resolve the loan risk of the guarantee circle is an important problem to be solved urgently in commercial banks and supervision. This paper studies the guarantee circle of commercial banks and its risk management by drawing lessons from domestic and foreign scholars. Combined with its own work, this paper analyzes the phenomenon and causes of the loan of the guarantee circle of A state-owned commercial bank, and makes an exchange study and scheme design to improve the loan risk of the guarantee circle of the state-owned commercial bank. Finally, several measures to improve the scheme are formed, hoping to be helpful to the commercial banks and the supervision department to solve the problem of how to prevent and resolve the loan risk of the guarantee circle effectively.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.4

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 安賀忠;完善貸款風(fēng)險(xiǎn)管理機(jī)制的辦法[J];黑龍江金融;2000年04期

2 呂殿平,王俊琪;淺議貸款風(fēng)險(xiǎn)管理[J];山西財(cái)稅;2001年02期

3 魏春濤;加強(qiáng)貸后管理 防范貸款風(fēng)險(xiǎn)[J];廣東經(jīng)濟(jì);2002年07期

4 程永太,牛晉剛;信用社貸款風(fēng)險(xiǎn)管理的意義[J];經(jīng)濟(jì)師;2002年09期

5 朱年孝;貸款風(fēng)險(xiǎn)管理重在關(guān)注第一還款來(lái)源變化[J];金融信息參考;2004年11期

6 張家泰,羅建國(guó),孫玉良;基層農(nóng)發(fā)行棉花增量貸款風(fēng)險(xiǎn)管理中存在問(wèn)題及對(duì)策[J];中國(guó)棉花加工;2005年05期

7 李興燕;理性看待貸款風(fēng)險(xiǎn)管理[J];時(shí)代金融;2005年03期

8 張建江;;強(qiáng)化隱性貸款風(fēng)險(xiǎn)管理初探[J];山西廣播電視大學(xué)學(xué)報(bào);2009年05期

9 蔣寶剛 ,李毓;實(shí)行貸款風(fēng)險(xiǎn)管理中的一個(gè)問(wèn)題[J];經(jīng)濟(jì)師;1993年10期

10 董安總，劉中華，李道信;加強(qiáng)銀行貸款風(fēng)險(xiǎn)管理的思考[J];農(nóng)金縱橫;1994年02期

相關(guān)會(huì)議論文 前1條

1 吳翰青;王忠郴;;模糊識(shí)別方法在貸款風(fēng)險(xiǎn)與質(zhì)量分類(lèi)中的應(yīng)用[A];發(fā)展的信息技術(shù)對(duì)管理的挑戰(zhàn)——99’管理科學(xué)學(xué)術(shù)會(huì)議專(zhuān)輯（下）[C];1999年

相關(guān)重要報(bào)紙文章 前10條

1 韓雪萌;鼓勵(lì)、規(guī)范、引導(dǎo)和促進(jìn)銀團(tuán)貸款業(yè)務(wù)發(fā)展[N];金融時(shí)報(bào);2007年

2 市住房公積金中心 車(chē)小森;建立長(zhǎng)效機(jī)制 防范貸款風(fēng)險(xiǎn)[N];張掖日?qǐng)?bào);2008年

3 張振河 唐維杰 陳建毅;加強(qiáng)棉花貸款風(fēng)險(xiǎn)管理[N];中華合作時(shí)報(bào);2000年

4 通訊員 竇曉毅;農(nóng)發(fā)行建立大額風(fēng)險(xiǎn)貸款監(jiān)測(cè)管理制度[N];糧油市場(chǎng)報(bào);2009年

5 記者 牧瓊;農(nóng)發(fā)行建立大額風(fēng)險(xiǎn)貸款監(jiān)測(cè)管理制度[N];糧油市場(chǎng)報(bào);2009年

6 王瑋 卓金剛;做好做實(shí)農(nóng)戶(hù)貸款業(yè)務(wù)的著力點(diǎn)和路徑[N];中國(guó)城鄉(xiāng)金融報(bào);2012年

7 陳兵 李銳;把握變相融資新特征完善小企業(yè)貸款風(fēng)險(xiǎn)管理[N];中國(guó)城鄉(xiāng)金融報(bào);2013年

8 劉煥欽;貸款五級(jí)分類(lèi)：農(nóng)信社還差多遠(yuǎn)？[N];金融時(shí)報(bào);2005年

9 中信銀行保定分行行長(zhǎng) 常輝鋒;落實(shí)“貸款新規(guī)” 實(shí)現(xiàn)銀企“雙贏”[N];保定日?qǐng)?bào);2010年

10 記者 李少平　通訊員 李紅剛 龍志銘;郴州貸款投放呈“短增長(zhǎng)減”態(tài)勢(shì)[N];郴州日?qǐng)?bào);2011年

相關(guān)博士學(xué)位論文 前1條

1 陳大添;中小企業(yè)銀行貸款風(fēng)險(xiǎn)管理實(shí)證研究[D];中南大學(xué);2008年

相關(guān)碩士學(xué)位論文 前10條

1 孫得芯;中國(guó)農(nóng)業(yè)銀行A縣支行農(nóng)戶(hù)貸款業(yè)務(wù)調(diào)研報(bào)告[D];遼寧大學(xué);2015年

2 王爍;LC農(nóng)商銀行農(nóng)戶(hù)貸款的風(fēng)險(xiǎn)防范[D];陜西師范大學(xué);2015年

3 吳江;南發(fā)危房改造項(xiàng)目貸款風(fēng)險(xiǎn)管理[D];電子科技大學(xué);2014年

4 菅健;銀行中小企業(yè)貸款風(fēng)險(xiǎn)管理與控制研究—客戶(hù)經(jīng)理調(diào)查環(huán)節(jié)對(duì)中小企貸款風(fēng)險(xiǎn)控制的重要性[D];山東大學(xué);2015年

5 王鵬清;建行SX分行小企業(yè)信貸風(fēng)險(xiǎn)管理研究[D];西北大學(xué);2015年

6 劉崇波;中國(guó)銀行吉林省分行貸款風(fēng)險(xiǎn)管理研究[D];吉林大學(xué);2015年

7 吳鵬;民生銀行小微貸款風(fēng)險(xiǎn)管理研究[D];長(zhǎng)沙理工大學(xué);2014年

8 王寶娟;ZP小額貸款公司風(fēng)險(xiǎn)管理研究[D];東華大學(xué);2015年

9 王濤;汶川地震災(zāi)后農(nóng)房重建貸款違約風(fēng)險(xiǎn)形成機(jī)理與影響因素分析[D];四川農(nóng)業(yè)大學(xué);2014年

10 朱雁;淄博工商銀行中小公司客戶(hù)貸款風(fēng)險(xiǎn)管理研究[D];中國(guó)海洋大學(xué);2015年

，

本文編號(hào)：1432687