A银行锡林郭勒分行信用风险管理研究

发布时间：2018-04-30 15:33

本文选题：信用风险 + 风险管理　；参考：《内蒙古大学》2013年硕士论文

【摘要】：目前国内银行面临的风险主要是信用风险,能否控制好信用风险成为银行经营好坏的一个重要指标。经过近些年的股份制改造,我国银行业在公司治理结构方面取得长足进步,信用风险管理能力也在逐步提高。目前各家银行的不良贷款率基本都控制在1%左右,已经处于国际先进水平。未来面临的工作主要是做好信贷资产的基础管理工作,利用银行坚实的管理基础来抵御经济周期性对银行业信贷资产的冲击,以做到科学有序稳健发展。特别是面对银行信贷业务的转型,国内各家银行的风险管理工作还需要不断加强和改进。论文阐述了关于信用风险的基本特征和理论基础,以A银行锡林郭勒分行为案例,从区域、行业、客户三个维度分析了其信贷业务现状以及信用风险管理框架和管理流程,全面阐述了A银行锡林郭勒分行信用风险管理现状。按照信用风险识别、评估、监测和预警以及应对的完整信用风险管理思路,分析指出存在的不足,并找出了问题产生的深层次原因。最后有针对性的提出了以“树立先进的信贷风险文化和信贷理念、狠抓信贷结构调整、加强信息沟通和运用先进的风险管理工具、构建专业的贷后风险管理团队、采取多种方式化解不良资产等”为主要内容的一整套完善的风险管理流程的改进建议。
[Abstract]:At present, the risk faced by domestic banks is mainly credit risk. After the stock system reform in recent years, China's banking industry has made great progress in corporate governance structure, and the ability of credit risk management has been gradually improved. At present, the non-performing loan ratio of each bank is basically controlled at about 1%, already in the international advanced level. The main work in the future is to do a good job in the basic management of credit assets and to use the solid management basis of banks to resist the impact of economic periodicity on banking credit assets in order to achieve a scientific orderly and steady development. Especially in the face of the transformation of bank credit business, the risk management of domestic banks still needs to be strengthened and improved. This paper expounds the basic characteristics and theoretical basis of credit risk, taking Xilinguole Branch of Bank A as an example, analyzes the current situation of credit business, the management framework and management process of credit risk from three dimensions of region, industry and customer. This paper comprehensively expounds the credit risk management status of A Bank Xilingol Branch. According to the idea of credit risk identification, evaluation, monitoring, early warning and management of credit risk management, this paper points out the shortcomings and finds out the deep-seated causes of the problems. Finally, the paper puts forward to set up advanced credit risk culture and credit concept, pay close attention to credit structure adjustment, strengthen information communication and use advanced risk management tools, and construct professional post-loan risk management team. Take a variety of ways to resolve non-performing assets as the main content of a set of sound risk management process improvement recommendations.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F203

【共引文献】