ICQ银行成都分行信用风险管理研究

发布时间：2018-05-18 10:22

本文选题：ICQ银行 + 商业银行　；参考：《西南财经大学》2013年硕士论文

【摘要】：进入21世纪以来,经济全球化的步伐加快,金融市场持续繁荣。在我国加入WTO的这十几年中,国内金融市场逐步对外开放,大批国外商业银行相继进驻中国市场。这些外部环境的变化对我国商业银行本来就脆弱的风险管理体制形成了巨大的冲击。相对于西方国家来说,我国商业银行总体起步较晚,银行的管理结构、体系并不完善,对于信用风险的认识也不全面,信用风险管理意识相对缺乏,信用风险防范工具并不完善。此外,新巴塞尔资本协议的出台进一步增加了我国商业银行管理信用风险的难度。近年来,信用风险管理已经引起我国商业银行的重视。越来越多的商业银行致力于经营管理体制的不断改革,以确保商业银行的资产安全和健康发展。与此同时,我们也应该明白,信用风险管理的提高不是一朝一夕的事情,不能纸上谈兵。目前,我国商业银行的信用风险管理水平还很落后,依旧存在着各种各样的问题。总体来讲,国内商业银行在同西方商业银行的竞争交锋中仍处于十分不利的地位。本文首先对国内外信用风险管理方面的相关理论进行概述。然后深入分析了国内商业银行信用风险管理的现状及产生缘由。文章对ICQ银行成都分行在信用风险管理所面临的问题、制约因素等进行了深入的剖析。作者力求寻找可以进一步改进ICQ银行成都分行信用风险管理问题的新措施,同时也为我国商业银行信用风险管理的改善建言献策。本论文分六章进行论述：第一章：前言。本章主要介绍了论文的研究背景及选题的现实意义。并对本文的研究思路、研究方法以及论文框架作了简要介绍。第二章：理论基础与文献综述。本章首先概述了信用风险管理的相关基本概念。然后,归纳了国内外学者关于信用风险管理方面的理论研究成果。最后总结了信用风险产生的原因及其特点。第三章：我国商业银行信用风险管理的现状。作者指出了国内商业银行在信用风险管理过程中所陷入的困境,并对目前商业银行风险管理中采用的解决方法和具体实践进行探讨。第四章：ICQ银行成都分行信用风险现状分析。本章首先对ICQ银行成都分行的概况进行简要介绍,并在此基础上,深入地剖析了ICQ银行成都分行信用风险管理存在的问题。第五章：ICQ银行成都分行信用风险管理改进措施。作者在本章中为提升ICQ银行成都分行的危机应对能力,提出了一些具体的改进措施第六章是结束语。总结了论文的研究工作,并对未来研究进行了展望。
[Abstract]:Since entering the 21 st century, the pace of economic globalization has accelerated, and the financial market has continued to flourish. In the more than ten years after China's entry into WTO, the domestic financial market has gradually opened to the outside world, and a large number of foreign commercial banks have entered the Chinese market one after another. These changes in the external environment have had a great impact on the fragile risk management system of commercial banks in China. Compared with the western countries, the commercial banks in our country generally started relatively late, the management structure of the banks, the system is not perfect, the understanding of the credit risk is not comprehensive, and the awareness of the management of the credit risk is relatively lacking. Credit risk prevention tools are not perfect. In addition, the introduction of New Basel Capital Accord has further increased the difficulty of credit risk management by commercial banks in China. In recent years, credit risk management has attracted the attention of Chinese commercial banks. More and more commercial banks are committed to the continuous reform of the management system to ensure the safety and healthy development of the assets of commercial banks. At the same time, we should also understand that the improvement of credit risk management is not a day-by-night thing. At present, the level of credit risk management of commercial banks in China is still very backward, there are still various problems. Generally speaking, domestic commercial banks are still in a very disadvantageous position in the competition with western commercial banks. This paper first summarizes the related theories of credit risk management at home and abroad. Then it analyzes the current situation and causes of credit risk management of domestic commercial banks. This paper analyzes the problems and restrictive factors of credit risk management in Chengdu Branch of ICQ Bank. The author tries to find new measures to further improve the credit risk management of Chengdu Branch of ICQ Bank, and at the same time to provide suggestions for the improvement of credit risk management of commercial banks in China. This paper is divided into six chapters: Chapter one: preface. This chapter mainly introduces the research background of the thesis and the practical significance of the topic. The research ideas, research methods and the framework of this paper are briefly introduced. Chapter two: theoretical basis and literature review. This chapter first summarizes the credit risk management related basic concepts. Then, summarized the domestic and foreign scholars about the credit risk management theory research achievement. Finally, the causes and characteristics of credit risk are summarized. Chapter three: the present situation of credit risk management of commercial banks in China. The author points out the dilemma that domestic commercial banks fall into in the process of credit risk management, and probes into the solutions and concrete practices used in the risk management of commercial banks at present. Chapter four analyzes the current situation of credit risk in Chengdu Branch of ICQ Bank. In this chapter, the general situation of Chengdu Branch of ICQ Bank is briefly introduced, and on the basis of this, the problems of credit risk management in Chengdu Branch of ICQ Bank are deeply analyzed. Chapter five: measures to improve Credit risk Management of Chengdu Branch of ICQ Bank. In this chapter, the author puts forward some concrete measures to improve the crisis response ability of Chengdu Branch of ICQ Bank. The sixth chapter is the conclusion. The research work of this paper is summarized, and the future research is prospected.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】