中国农业银行辽宁分行信用风险精细化管理研究

发布时间：2018-01-06 18:36

本文关键词：中国农业银行辽宁分行信用风险精细化管理研究　出处：《东北大学》2013年硕士论文　论文类型：学位论文

【摘要】：在现代企业竞争中,精细化管理已成为决定未来企业竞争成败的关键。当前我国资本市场还不完善,信贷业务是商业银行的主体业务,信用风险是商业银行应对的最主要的风险。信用风险管理水平的高低直接决定了商业银行发展速度和规模,成为影响其核心竞争力的关键。农业银行辽宁分行作为国有控股商业银行,信用风险管理起步相对较晚,对信用风险管理缺乏足够的认识,自2010年股改以后,随着业务的发展,信用风险管理意识和管理能力较以往明显增强,但是与同业、与国外先进银行相比还有很大差距,信用风险管理较为粗放,在信用风险管理组织架构,信贷运作流程、信用风险计量方法、经济资本约束和导向、信贷人员队伍建设等方面管理存在诸多问题。本文以信用风险管理为主线,结合农业银行辽宁分行信用风险管理的现状,分析当前信用风险管理方面的的问题和不足,借鉴西方商业银行先进的管理模式和管理经验、引入精细化管理理念,提出解决问题的措施建议。期望本文的研究能为农业银行辽宁分行信用风险管理实践提供一定的参考。
[Abstract]:In modern enterprise competition, fine management has become the key to determine the success or failure of future enterprise competition. At present, the capital market of our country is not perfect, credit business is the main business of commercial banks. Credit risk is the most important risk faced by commercial banks. The level of credit risk management directly determines the development speed and scale of commercial banks. Agricultural Bank of China Liaoning Branch as a state-owned holding commercial bank credit risk management started relatively late lack of sufficient understanding of credit risk management. Since the share reform in 2010, with the development of business, credit risk management awareness and management ability is obviously enhanced, but with the same industry, compared with foreign advanced banks, there is still a big gap. Credit risk management is extensive, in the credit risk management organizational structure, credit operation process, credit risk measurement methods, economic capital constraints and guidance. There are many problems in the management of credit personnel. This paper takes credit risk management as the main line and combines the current situation of credit risk management in Liaoning Branch of Agricultural Bank. This paper analyzes the problems and shortcomings of credit risk management at present, draws lessons from the advanced management model and management experience of western commercial banks, and introduces the concept of fine management. It is hoped that the research in this paper can provide some reference for the practice of credit risk management in Liaoning Branch of Agricultural Bank.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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