基于商业银行资本管理办法的招商银行信用风险管理研究

发布时间：2018-11-20 04:22

【摘要】：摘要：目前,中国的经济正处于转型升级的重要时刻,银行业经营环境面临着重大改变：金融脱媒的现象越来越严重,银行业务同质化的情况一直得不到改善,利率市场化的脚步越来越近等等,这些都给中国的银行业带来了巨大的挑战。面对这样的情况,银行在大力发展本行业务的同时,风险防范就显得尤为重要了,其中,信用风险的防范更是重中之重。本文采用理论与实际分析相结合的方法,在总结国内外相关研究成果的基础上,结合中国银监会最新颁布的《商业银行资本管理办法(试行)》的相关要求和招商银行信用风险管理的实际情况,通过对招商银行信用风险管理的现状分析,发现招商银行的信贷资产质量良好,一直以来积极地防范与控制信用风险。但同时也存在着一些问题,如信贷资产结构不合理及不良贷款、不良贷款率“双升”等等。在此情况下,为找到提高招商银行信用风险管理水平的建议与对策,将对招商银行与国内其他商业银行的信用风险管理情况进行比较与评价,因为这些银行都是在学习国外活跃银行先进管理方式的基础上,结合自身情况开发的信用风险管理模式,因此,可以通过对比,扬长避短。通过上面的分析与研究,为了使招商银行更加有效地落实《商业银行资本管理办法(试行)》的相关要求,本文提出了大力弘扬五大风险理念、积极改善银行内部管理体系、持续推进招商银行授信审批改革、重点强化贷后监控和进一步完善《资本管理办法》的其他相关要求五大对策建议,希望能够全面、有效地提高招商银行信用风险管理水平。图20幅,表24张,参考文献64篇
[Abstract]:Absrtact: at present, China's economy is in an important moment of transformation and upgrading, and the banking business environment is facing major changes: the phenomenon of financial disintermediation is becoming more and more serious, and the situation of homogenization of banking business has not been improved. The pace of interest rate marketization is getting closer and so on, which brings great challenges to China's banking industry. Faced with such a situation, banks develop their business vigorously, risk prevention is particularly important, among which, credit risk prevention is the most important. This paper adopts the method of combining theory with practice, and summarizes the related research results at home and abroad. Combined with the relevant requirements of the newly promulgated measures on Capital Management of Commercial Banks by the China Banking Regulatory Commission and the actual situation of credit risk management of China Merchants Bank, this paper analyzes the current situation of credit risk management of China Merchants Bank. It is found that China Merchants Bank has good credit quality and has been actively preventing and controlling credit risk. But there are also some problems, such as irrational structure of credit assets and non-performing loans, non-performing loan rate and so on. In this case, in order to find suggestions and countermeasures to improve the credit risk management level of China Merchants Bank, the credit risk management situation of China Merchants Bank and other domestic commercial banks will be compared and evaluated. Because these banks are on the basis of studying the advanced management methods of foreign active banks and combining with their own situation, they can develop the credit risk management mode, therefore, they can take advantage of the advantages and avoid the weaknesses through comparison. Through the above analysis and research, in order to make China Merchants Bank more effectively implement the relevant requirements of the Capital Management measures of Commercial Banks (trial), this paper puts forward five risk concepts to actively improve the internal management system of banks. It is hoped that the credit risk management level of China Merchants Bank can be improved comprehensively and effectively by continuously promoting the credit approval reform of China Merchants Bank, emphasizing on strengthening the supervision after lending and further improving the other relevant requirements of the Capital Management measures. 20 figures, 24 tables, 64 references
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】