GF银行信贷业务风险管理存在的问题及对策研究

发布时间：2018-05-23 17:58

本文选题：商业银行 + 信贷业务风险　；参考：《西南交通大学》2013年硕士论文

【摘要】：商业银行是以吸收存款和发放贷款作为主要的业务的。商业银行源于四百年以前,是适应经济社会的发展要求而产生的。作为社会的主要融资渠道,它为企业融通资金,优化社会经济资源配置,为社会提供流动性,促进了经济社会的发展。然而作为特殊的企业,它的经营在与其他实体经营主体一样存在着经营风险和财务风险的同时,也存在着市场风险、利率风险、操作风险、信贷业务风险等。在各类风险中,商业银行面临的最主要的风险是信贷业务风险。本文以GF银行为例,针对信贷业务的典型案例进行剖析,着重对商业银行信贷业务风险的概念、主要内容、商业银行的信贷业务风险资产的分类、信贷业务风险因素、风险的特征等的有力分析来全面了解商业银行信贷业务风险。对此,尤其进行了信贷业务的风险分析,深入探究其风险成因、对商业银行的影响及解决该问题的具体措施。本文的论点创新在于在对商业银行深入探究的基础上,对国内具有代表性的股份制商业银行——GF的信贷业务风险管理的现状进行了分析,在肯定成绩的同时,揭示其信贷业务风险管理存在的问题,剖析了问题的成因,并针对存在的问题,在借鉴国外经验的基础上,对解决国内的商业银行信贷风险管理问题提出可行的对策,以推动商业银行的风险意识,努力建立正确科学的机制体制使其信贷业务的风险降至最低,为完善我国以GF银行为代表的商业银行信贷业务风险研究做出探索和研究。
[Abstract]:Commercial banks take deposits and loans as their main business. Commercial bank originated from 400 years ago, it is to adapt to the development request of economy and society. As the main financing channel of the society, it promotes the development of the economy and society by financing the enterprise, optimizing the allocation of social and economic resources, providing liquidity for the society. However, as a special enterprise, its management has business risk and financial risk as well as market risk, interest rate risk, operation risk, credit business risk and so on. Among all kinds of risks, the most important risk faced by commercial banks is credit risk. Taking GF Bank as an example, this paper analyzes the typical cases of credit business, focusing on the concept, main content, classification of credit business risk assets, credit business risk factors of commercial banks. The characteristics of risk and so on have the strength analysis to understand the commercial bank credit business risk comprehensively. Especially, the risk analysis of credit business is carried out, and the causes of risk, the influence on commercial banks and the concrete measures to solve the problem are discussed. The innovation of this thesis lies in the analysis of the present situation of credit risk management of representative joint-stock commercial banks in China on the basis of deep exploration of commercial banks. This paper reveals the problems existing in the management of credit risk, analyzes the causes of the problems, and puts forward some feasible countermeasures to solve the problems of credit risk management of commercial banks in China on the basis of drawing on the experience of foreign countries. In order to promote the risk awareness of commercial banks and establish a correct and scientific mechanism system to reduce the risk of credit business to the minimum, this paper explores and studies the credit risk research of commercial banks represented by GF Bank in China.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F832.4

【参考文献】