金华银行L支行信贷风险管理研究

发布时间：2018-07-29 17:57

【摘要】：信贷风险管理是商业银行业务经营的核心,在我国进入经济发展新常态的大背景下,在金融改革不断深入的情况下,信贷风险是我国商业银行需要面对的最主要的金融风险。银行尤其是城商行要取得在金融市场里的立足与发展,信贷风险管理能力是关键因素。如何全面的提高信贷风险管理能力是中小银行面临的亟需解决的重大课题。金华银行L支行作为一家异地经营城商行,进入温州金融市场不足两年,以立足于支持小微企业及个人贷款,积极探索温州当地金融市场的特点,将产品与当地实际进行结合,多举措提供金融服务为经营思路,在温州市场初步站稳脚跟。金华银行L支行现阶段取得了一定成绩,但是高管层对信贷风险这一银行生命线仍有清醒的认识。受到2010年以来温州金融风波影响,温州中小企业贷款风险不断暴露。银行不良贷款居高不下。如何在风险发生之前,对信贷风险进行分析分类,对风险程度进行准确的计量评估,监测信贷风险指标的异常波动,控制信贷风险水平。在风险发生之后,处置信贷风险中所形成的损失,保证银行信贷资金的安全。已经成为制约金华银行L支行能否在温州金融市场取得长足发展的决定因素。金华银行L支行当前信贷风险管理主要存在贷前调查不尽职、贷时审查不严格、贷后管理不到位、未按要求规范异地授信业务等问题。为有效防范和化解当前的信贷风险,针对金华银行L支行目前信贷风险管理中存在的不足之处,从避免粗放性发展、盲目扩张规模的信贷业务经营思路入手,制定了坚定市场定位,严格规范担保行为,回归信贷本源,加强授信集中度管理,稳妥开展票据业务的实用性贷前和贷中信贷业务经营管理对策。并进一步的提出了加强贷后风险管理,优化信贷风险内控环境,提升综合风险管控能力,加强对从事信贷风险业务人员的管理,积极推进信贷风险管理文化建设等可行性建议,以达到全面提升L支行风险管理的水平,促进L支行信贷业务可持续健康发展的目的。
[Abstract]:Credit risk management is the core of business operation of commercial banks. Under the background of China's entry into the new normal economic development, under the continuous deepening of financial reform, credit risk is the most important financial risk that China's commercial banks need to face. The banks, especially the commercial banks, have to obtain the foothold and development in the financial market, and the credit wind The ability of risk management is the key factor. How to improve the ability of credit risk management in a comprehensive way is an important issue to be solved urgently. The L branch of the Bank of Jinhua, as a local business bank, enters the financial market of Wenzhou for less than two years, based on supporting small and micro enterprises and personal loans, and actively exploring the local financial market of Wenzhou. The characteristics of the field, combining the product with the local reality, making more measures to provide financial services as a business train of thought, taking a steady footing in the Wenzhou market. The L branch of the Jinhua bank has achieved certain achievements at this stage, but the top management level still has a clear recognition of the Bank lifeline of the credit risk. It has been affected by the financial turmoil of the Wenzhou since 2010. The loan risk of small and medium-sized enterprises in the state is constantly exposed. The bank bad loans are high. Before the risk, the credit risk is analyzed and classified, the risk degree is accurately measured, the abnormal fluctuation of the credit risk index is monitored and the credit risk level is controlled. After the risk of the occurrence of the risk, the damage caused by the credit risk is displaced. Loss, ensuring the security of bank credit funds has become a determinant of whether the bank L branch of the Bank of Jinhua can make great progress in the financial market in Wenzhou. The current credit risk management of the Bank of Jinhua bank L is not due to the pre loan investigation, the loan time review is not strict, the post loan management is not in place, the foreign credit business is not regulated according to the requirements and so on. In order to effectively prevent and dissolve the current credit risk, in view of the shortcomings of the current credit risk management of the Bank of Jinhua L branch, starting with the idea of avoiding extensive development and expanding the credit business blindly, we have made firm market positioning, strictly standardized the behavior of carrying out the insurance, return to the source of credit, and strengthen the concentration management of credit. It is reasonable to carry out the practical management countermeasures of the credit business in the pre loan and loan business, and further put forward to strengthen the post loan risk management, optimize the internal control environment of the credit risk, improve the ability of comprehensive risk management, strengthen the management of the personnel engaged in the credit risk business, and actively promote the construction of the credit risk management culture. Suggestions are made to enhance the risk management level of L sub branch and promote the sustainable and healthy development of L branch credit business.
【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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