上海银行杭州分行信用风险管理问题研究

发布时间：2018-10-10 12:38

【摘要】：商业银行在经营过程中时刻与风险相伴,在其涉及到的信用风险、操作风险、市场风险、流动性风险和法律等风险中,信用风险是其最根本的、也是最主要的风险。在金融业蓬勃发展的今天,商业银行碰到了较以往更为复杂严峻的经济形势,要处理好发展与风险之间的关系,对商业银行经营提出了更高的要求。因此,要管理好、控制好信用风险不仅有利商业银行自身的健康长久发展,更有利于我国经济的持续发展。当前,我国商业银行整体信用风险管理水平仍不高,尤其面对当前金融危机,经济实体受到了严重冲击时,显示出的风险防范能力极其薄弱。如地处我国金融高收益、同时也是高风险的长江三角地带的上海银行杭州分行,受区域风险和担保链风险影响,与在浙其他银行一样,遇到了前所未有的困难,资产质量面临着巨大的考验,信用风险已成为制约其业务发展的主要障碍。本文主要借鉴风险管理理论,对上海银行杭州分行的信用风险管理制度、发展现状进行分析,研究其现有风险管理体制在运行过程中存在的问题,如评级技术、风险缓释手段等,并针对存在的问题提出解决措施,包括完善三道风险管理体系、强化风险预警和风险缓释措施、建立专门的内部评级模型、强化贷款三查制度等,以起到风险防控和化解,降低不良贷款的作用,提高该行整体信用风险管理水平。
[Abstract]:Commercial banks are always accompanied by risks in the course of operation. Credit risk is the most fundamental and the most important risk among the risks involved in credit risk, operational risk, market risk, liquidity risk and law. With the booming development of the financial industry, commercial banks have encountered more complicated and severe economic situation than before. To deal with the relationship between development and risk, commercial banks have put forward higher requirements for the management of commercial banks. Therefore, to manage and control the credit risk is not only conducive to the healthy and long-term development of commercial banks, but also conducive to the sustainable development of China's economy. At present, the overall credit risk management level of commercial banks in China is still not high, especially in the face of the current financial crisis, economic entities have suffered a serious impact, showing that the ability of risk prevention is extremely weak. For example, the Hangzhou Branch of the Shanghai Bank of Shanghai, located in the Yangtze River Delta, which is located in China with high financial returns and high risk, is affected by regional risks and guarantee chain risks and, like other banks in Zhejiang, has encountered unprecedented difficulties. The quality of assets is facing a great test, credit risk has become a major obstacle to the development of its business. Based on the theory of risk management, this paper analyzes the current situation of credit risk management system of Shanghai Bank Hangzhou Branch, and studies the problems existing in the operation of the existing risk management system, such as rating technology. Measures to solve the problems are put forward, including perfecting the three risk management system, strengthening the risk early warning and risk mitigation measures, establishing a special internal rating model, and strengthening the loan three-check system, etc. In order to play a risk prevention and control and resolve, reduce the role of non-performing loans, improve the bank's overall credit risk management level.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33

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