工行A分行信贷风险管理问题与对策研究

发布时间：2018-02-07 17:09

本文关键词： 信贷风险管理信贷结构精细化管理　出处：《大连理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：中国工商银行股份有限公司(以下简称“工商银行”)是国内目前最大、最具实力的商业银行。A分行作为工商银行具有普遍代表性的城市分行,在面对目前国内外复杂多变的经济环境,愈加严格的监管要求,金融脱媒和利率市场化逐步显现时取得稳定快速发展。但成绩取得的同时,贷款风险管理形势不容乐观,信贷风险管理工作不容忽视。工商银行虽然在国内已经建立起一套完善的信贷风险管理体系,但是立足全球来看,工商银行的信贷风险管理工作,特别是对城市分行的信贷风险管理工作,还存在信贷结构不合理、流程不完善、管理模式陈旧等一系列不足之处,甚至某些方面的落后已经制约了城市分行竞争力的提升。 A分行作为工商银行在C市的分支机构,其业务开展的现状以及发展前景深受工商银行传统影响,并带有浓重的地域特色,可以说A分行是工商银行城市分行的典型缩影。本文以此为背景,从信贷风险的基础概念入手,层层深入,研究分析信贷风险管理的发展进程。前期对A分行内部采用大量信贷数据采集分析、管理人员访谈、调查问卷,并结合A分行信贷风险管理工作的实际状况进行重点论述,理论联系实际探讨城市分行信贷管理工作目前存在的问题和矛盾,进一步明确信贷风险管理对于城市分行的现实意义。本文紧密结合我国银行业的未来发展趋势,以及今后金融市场的经济环境和监管部门政策,对A分行现有信贷风险管理工作提出对策实施意见和建议,从而使A分行能够及时进行信贷转型,步入健康快速发展的快车道。同时对于国有银行城市分行的信贷风险管理体制的改革也具有一定的指导和现实意义。
[Abstract]:Industrial and Commercial Bank of China Co., Ltd. (hereinafter referred to as ICBC) is the largest and most powerful branch of commercial bank in China at present as a universal representative city branch of ICBC. In the face of the complex and changeable economic environment at home and abroad, the increasingly stringent regulatory requirements, financial disintermediation and interest rate marketization gradually appear stable and rapid development, but at the same time, the credit risk management situation is not optimistic. Credit risk management should not be ignored. Although ICBC has established a set of perfect credit risk management system in China, but from a global perspective, ICBC's credit risk management work, especially the credit risk management work of urban branches, There are also a series of shortcomings such as unreasonable credit structure, imperfect process, obsolete management model and so on, even some aspects of backwardness have restricted the competitiveness of urban branches. As the branch of ICBC in C city, branch A is deeply influenced by ICBC tradition and has strong regional characteristics. It can be said that Branch A is a typical epitome of ICBC City Branch. This paper studies and analyzes the development process of credit risk management. In the early stage, a large amount of credit data is collected and analyzed within branch A, managers are interviewed, questionnaires are investigated, and the actual situation of credit risk management in branch A is discussed in detail. This paper discusses the problems and contradictions existing in the credit management of urban branches, and further clarifies the practical significance of credit risk management for urban branches. This paper closely combines the future development trend of the banking industry in China. As well as the economic environment of the financial market and the policies of the regulatory authorities in the future, suggestions and suggestions are put forward to implement the existing credit risk management work in Branch A, so that Branch A can carry out the credit transformation in a timely manner. At the same time, it has certain guidance and practical significance for the reform of credit risk management system of state-owned banks' urban branches.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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