江苏银行信贷风险管理方案与实施对策研究

发布时间：2018-03-19 13:16

本文选题：江苏银行　切入点：信贷风险管理　出处：《华中科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，江苏银行的一些客户把大量信贷资金投入房地产、高技术等高风险、高利润行业，，而随着中国经济发展速度的放缓和国家财政金融政策的不断调整，少数企业尤其是民营企业出现资金链断裂的现象，对银行信贷资产的安全产生重大影响，因此，江苏银行必须高度重视这一信贷新问题，对新风险有足够的重视，采取有效措施，开展信贷风险管理方面的研究具有现实意义。为了有效管理信贷风险，本课题采用理论研究法、比较法、调查研究法、案例研究法，在调研国内外银行信贷风险管理研究的基础上，重点分析了江苏银行信贷风险现状及成因，本文认为江苏银行信贷风险的成因主要由银行内部因素、外部环境的因素。银行内部因素包括以量定绩的经营思维增加了信贷风险、信贷风险高端管理人才缺乏、组织机构不够健全、信贷管理体制不健全、信贷激励约束机制不完善；外部因素包括宏观经济的压力增加了信贷风险、国内银行资本监管呈现较强周期性、利率变化对银行造成较大影响、产业结构失衡等。最后，本文在调研江苏银行信贷风险成因的基础上，提出了信贷风险管理的策略：健全信贷组织架构和制度体系、进一步优化信贷结构、优化信贷业务流程、建立科学完善的风险预警机制、完善信贷考核与激励机制。
[Abstract]:In recent years, some customers of Jiangsu Bank have invested a large amount of credit funds in high risk and high profit industries, such as real estate, high technology, etc. With the slowdown of China's economic development and the constant adjustment of the state's financial and financial policies, A few enterprises, especially private enterprises, have the phenomenon of capital chain break, which has a significant impact on the security of bank credit assets. Therefore, Jiangsu Bank must attach great importance to this new credit problem and pay enough attention to new risks. It is of practical significance to take effective measures to carry out the research on credit risk management. In order to manage the credit risk effectively, this subject adopts the theory research method, the comparative method, the investigation research method, the case study method, on the basis of investigating the domestic and foreign bank credit risk management research. This paper analyzes the present situation and causes of bank credit risk in Jiangsu Province. This paper holds that the causes of credit risk of Jiangsu bank are mainly caused by internal factors and external environmental factors. Credit risk is short of high-end management personnel, organization is not perfect, credit management system is not perfect, credit incentive and restraint mechanism is not perfect, external factors, including macroeconomic pressure, increase credit risk. Capital supervision of domestic banks presents strong periodicity, interest rate changes have a great impact on banks, and industrial structure is out of balance. Finally, this paper investigates the causes of bank credit risk in Jiangsu Province. The paper puts forward the strategies of credit risk management: perfecting the credit organization structure and system, further optimizing the credit structure, optimizing the credit business process, establishing a scientific and perfect risk warning mechanism, and perfecting the credit assessment and incentive mechanism.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【相似文献】