發(fā)布時(shí)間：2018-03-01 17:31

  本文關(guān)鍵詞： 信貸 信貸風(fēng)險(xiǎn) 控制　出處：《華僑大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：金融業(yè)具有內(nèi)生脆弱性和不穩(wěn)定性,很容易爆發(fā)金融風(fēng)暴和危機(jī)。對(duì)于商業(yè)銀行信貸業(yè)務(wù)來(lái)說(shuō),信貸風(fēng)險(xiǎn)主要與資金周轉(zhuǎn)不暢、倒閉、經(jīng)營(yíng)不善有很大的關(guān)系。在現(xiàn)代金融市場(chǎng)上,任何金融波動(dòng)和危機(jī)都會(huì)引發(fā)一系列不良反應(yīng),這對(duì)商業(yè)銀行經(jīng)營(yíng)活動(dòng)產(chǎn)生了巨大的威脅。商業(yè)銀行不良信貸資產(chǎn)規(guī)模不斷擴(kuò)大,對(duì)金融業(yè)發(fā)展形成了嚴(yán)重制約。目前,商業(yè)銀行信貸風(fēng)險(xiǎn)管理已引起了社會(huì)各界廣泛關(guān)注,而商業(yè)銀行經(jīng)營(yíng)穩(wěn)健性又與信貸風(fēng)險(xiǎn)防控有直接關(guān)系。本文以管理學(xué)、金融學(xué)等理論為基礎(chǔ),對(duì)國(guó)內(nèi)外商業(yè)銀行信貸風(fēng)險(xiǎn)管理研究文獻(xiàn)進(jìn)行了綜述,并采用實(shí)證研究方法,對(duì)中國(guó)銀行南安支行進(jìn)行了研究,通過(guò)對(duì)該行信貸業(yè)務(wù)開(kāi)展情況進(jìn)行調(diào)查研究,找出其中存在的主要問(wèn)題:一是信貸風(fēng)險(xiǎn)管理文化缺失;二是信貸風(fēng)險(xiǎn)管理體系部完善;三是信貸風(fēng)險(xiǎn)管理流程不健全;四是信貸風(fēng)險(xiǎn)管理制度不全面。在此基礎(chǔ)上,借鑒先進(jìn)的信貸風(fēng)險(xiǎn)管理經(jīng)驗(yàn),優(yōu)化中國(guó)銀行南安支行信貸風(fēng)險(xiǎn)控制方案,具體內(nèi)容包括:構(gòu)建新型信貸文化,支撐業(yè)務(wù)經(jīng)營(yíng)發(fā)展;健全信貸風(fēng)險(xiǎn)管理組織結(jié)構(gòu);完善信貸風(fēng)險(xiǎn)管理制度;理順信貸風(fēng)險(xiǎn)管理流程。最后,提出中國(guó)銀行南安支行信貸風(fēng)險(xiǎn)控制方案的實(shí)施保障。
[Abstract]:The financial industry is inherently fragile and unstable, so it is easy to break out financial storms and crises. For the credit business of commercial banks, credit risk is mainly associated with poor liquidity and bankruptcy. In the modern financial market, any financial fluctuation and crisis will lead to a series of adverse reactions, which has created a huge threat to the business activities of commercial banks. The scale of non-performing credit assets of commercial banks is constantly expanding. At present, the commercial bank credit risk management has aroused the widespread concern of the society, and the commercial bank management stability has the direct relation with the credit risk prevention and control. Based on the theory of finance, this paper summarizes the research literature of credit risk management of commercial banks at home and abroad, and studies the Nan'an Branch of Bank of China by using the empirical research method. Through the investigation and study of the bank's credit business, the main problems are found: (1) the lack of credit risk management culture, (2) the perfection of credit risk management system, (3) the imperfect flow of credit risk management, (3) the lack of credit risk management system, and (3) the lack of credit risk management culture. The fourth is that the credit risk management system is not comprehensive. On the basis of this, we can use advanced credit risk management experience for reference and optimize the credit risk control scheme of Bank of China Nanan Branch. The concrete contents include: constructing a new credit culture, To support the development of business operation; to perfect the organizational structure of credit risk management; to perfect the credit risk management system; to rationalize the credit risk management process. Finally, to put forward the implementation guarantee of the credit risk control scheme of the Nanan Branch of Bank of China.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

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