ABC银行法人客户授信管理研究

发布时间：2018-03-09 16:03

本文选题：银行　切入点：法人　出处：《东北大学》2013年硕士论文　论文类型：学位论文

【摘要】：从二十世纪九十年代开始,随着改革开放的深入发展,国内银行业也告别四大国有银行一枝独大的垄断时代,各银行在针对银行主营业务信贷业务上,从根本上改变了曾经落后的管理模式。随着银行授信管理不断发展,对新时期银行对企业的授信管理及风险防控提出了改进措施。在新巴塞尔协议签订后的几年中,对银行的发展制定了新的约束制度,对银行的效益评价也加进了经济增加值及经济资本回报率的新概念,这为银行的信贷业务的发展创造了机遇的同时也带来了诸多风险隐患。因国有银行管理理念较为陈旧,股份制改革较晚,政企分开尚不彻底,人员老化程度严重等多方面因素制约,其在授信管理的权限划分上、流程管理上、风险评估上及额度管控等方面都落后于其他商业银行。在其他商业银行纷纷上市后,广泛吸取国外先进经验,先于ABC银行进行授信管理模式的改革。因此,面对金融市场日新月异的竞争压力下,ABC银行也推出相应的新的授信管理模式。ABC银行的新法人客户授信管理办法于2013年4月末实施,实施过程中也出现了诸多问题及风险。本文运用风险管理相关理论,对ABC银行现行的新法人客户授信管理办法进行分析,发现新办法中要求以风险加权值的方式占用授信理论值,这种方式虽然可以为企业带来一定的经济增加值的利益,但在一定程度上也暴露出风险,对银行的信贷资金安全埋下了诸多风险隐患。本文通过对发现的问题及风险因素进行分析研究,通过对关键因素风险加权值的修正,对业务品种权重系数及担保方式权重系数的修正,影响其对授信理论值的占用,从而更加科学合理引导企业使用银行信贷资金。同时,为辅助新授信管理办法能够更好的实施,及风险加权值在授信管理中发挥的作用能够更加有效,结合ABC银行实际的法人客户授信业务管理情况,从基础管理层面、限额管理层面、抵押物管理层面及战略管理层面提出了相应的辅助措施,以确保风险加权值修正后,ABC银行法人客户授信管理能够有效的实施。其研究成果对于ABC银行法人客户授信管理的进一步完善,银行信贷资金的安全运行,法人客户授信风险的有效管控,银行法人客户信贷管理的综合能力的提高都具有积极的现实意义。
[Abstract]:Since 1990s, with the deepening development of reform and opening up, the domestic banking industry has also bid farewell to the monopoly era of the four major state-owned banks. It has fundamentally changed the once backward management mode. With the continuous development of bank credit management, some measures have been put forward to improve the credit management and risk prevention and control of banks to enterprises in the new period. In the years after the signing of the New Basel Accord, A new restraint system has been established for the development of banks, and a new concept of economic added value and economic return on capital has been added to the benefit evaluation of banks. This has created opportunities for the development of the bank's credit business and brought many risks and hidden dangers. Due to the outdated management concept of the state-owned banks, the late reform of the shareholding system, and the incomplete separation of government and enterprises, The aging degree of personnel is seriously restricted by many factors, such as authority division of credit management, process management, risk assessment, quota control and so on, which lags behind other commercial banks. After other commercial banks have listed one after another, Foreign advanced experience is widely absorbed, and credit management mode reform is carried out before ABC Bank. In the face of the ever-changing competitive pressure in the financial market, ABC Bank has also introduced a corresponding new credit management model. The new method of credit management for corporate customers of ABC Bank came into effect at the end of April on 2013. There are also many problems and risks in the process of implementation. This paper analyzes the current methods of new corporate customer credit management in ABC Bank by using the theory of risk management. It is found that the new method requires the risk weighting value to occupy the credit theory value. Although this method can bring certain economic value added benefits to the enterprise, it also exposes the risk to a certain extent. This paper analyzes and studies the problems and risk factors found, and modifies the risk weighting value of the key factors. The modification of the weight coefficient of business variety and the weight coefficient of guarantee mode affects the occupation of the theoretical value of credit, which leads the enterprise to use bank credit funds more scientifically and reasonably. At the same time, in order to assist the new credit management method, it can be carried out better. And risk weighting value in credit management can play a more effective role, combined with the actual ABC bank corporate customer credit business management, from the basic management level, quota management level, At the level of mortgage management and strategic management, the corresponding auxiliary measures are put forward. In order to ensure that the risk weighting value can be effectively implemented, the research results can further improve the credit management of ABC bank corporate customers and the safe operation of bank credit funds. The effective management of corporate customer credit risk and the improvement of comprehensive ability of bank corporate customer credit management have positive practical significance.
【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】：F832.4

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