交通银行信贷风险管理研究
发布时间：2018-12-29 10:22
【摘要】：近年来,虽然国内商业银行开始根据资本充足率达标要求,调整信贷结构,控制资产规模增速。但是现阶段,国内外经济形势仍然复杂,经济企稳向好的态势还不稳定。从国际环境看,金融危机影响仍然存在,包括一些发达国家经济复苏的基础还不稳固,世界经济全面复苏和我国外贸出口恢复高增长仍然需要一个较长的过程。从国内形势看,扩大内需政策效应减弱,经济增长内生动力不强；发展方式转变依然滞后,结构调整压力进一步加大；通货膨胀预期明显上升。当前我国商业银行正面临前所未有的巨大的竞争压力和复杂的市场环境,政府当局要求强化银行表外业务监管,防止风险积聚,保持金融系统健康稳定；同时高度重视地方政府性债务的举借和管理,严格控制增量,逐步消化存量,有效化解风险。特别要求金融机构要切实加强风险识别和风险管理,遵循商业化原则,审慎评估借款人财务能力和还款来源。准确把握政策导向,扎实推进风险管理,将是今后银行信贷风险管理工作的重中之重。 本人站在银行一线员工的角度,结合现实宏观条件,借鉴国外先进商业银行信贷风险管理经验,采取理论探讨和数据指标分析相结合的基本研究方法,在前人对银行信贷风险管理研究的基础上,根据目前商业银行风险管理面临的变化趋势,提炼我国商业银行信贷风险管理共同所面临的问题,特别是交通银行正在经历的问题,为交通银行全面风险管理提出建议。 本文共分为五章。第一章导论介绍本文的研究背景、文献综述和研究方案；第二章分析交通银行信贷风险管理状况；第三章从交通银行信贷风险管理现状,引出交通银行信贷风险管理存在的问题并究其成因：第四章总结了国内外先进商业银行信贷风险管理的经验.为后续的分析提供经验支持：第五章将国内外先进商业银行信贷风险管理的先进经验融入对交通银行信贷风险管理问题解决方案建议中。
[Abstract]:In recent years, although domestic commercial banks have begun to adjust the credit structure and control the growth rate of assets according to the requirements of capital adequacy ratio. However, at this stage, the domestic and foreign economic situation is still complex, the economic stability is not stable. From the point of view of international environment, the influence of financial crisis still exists, including that the foundation of economic recovery in some developed countries is still not firm, and it still takes a long time for the world economy to recover in an all-round way and China's foreign trade export to resume its high growth. From the point of view of domestic situation, the policy effect of expanding domestic demand is weakened, the endogenous motive force of economic growth is not strong, the transformation of development mode is still lagging behind, the pressure of structural adjustment is increasing further, and the expectation of inflation is obviously rising. At present, Chinese commercial banks are facing unprecedented competition pressure and complex market environment. The government authorities demand to strengthen the supervision of off-balance sheet business of banks, prevent the accumulation of risks, and keep the financial system healthy and stable. At the same time, we attach great importance to the borrowing and management of local government debt, strictly control the increment, gradually digest the stock, and effectively resolve the risk. In particular, financial institutions should strengthen risk identification and risk management, follow the principle of commercialization, and carefully assess the financial capacity of borrowers and the sources of repayment. It will be the most important task of bank credit risk management in the future to grasp the policy guidance and promote risk management. From the point of view of bank front-line staff, combining with the actual macro conditions, and drawing lessons from foreign advanced commercial bank credit risk management experience, I adopt the basic research method of combining theoretical discussion and data index analysis. On the basis of previous researches on bank credit risk management, according to the changing trend of commercial bank risk management, the common problems of commercial bank credit risk management in China are refined, especially the problems that the Bank of Communications is experiencing. Provide advice for Bank of Communications on overall risk management. This paper is divided into five chapters. The first chapter introduces the research background, the literature review and the research plan, the second chapter analyzes the credit risk management of Bank of Communications. The third chapter from the current situation of credit risk management of Bank of Communications leads to the existing problems of credit risk management of Bank of Communications and its causes: chapter four summarizes the experience of credit risk management of advanced commercial banks at home and abroad. In chapter 5, the advanced experience of domestic and foreign advanced commercial banks' credit risk management is integrated into the solutions to the problems of bank of communications credit risk management.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
本文编号：2394715
[Abstract]:In recent years, although domestic commercial banks have begun to adjust the credit structure and control the growth rate of assets according to the requirements of capital adequacy ratio. However, at this stage, the domestic and foreign economic situation is still complex, the economic stability is not stable. From the point of view of international environment, the influence of financial crisis still exists, including that the foundation of economic recovery in some developed countries is still not firm, and it still takes a long time for the world economy to recover in an all-round way and China's foreign trade export to resume its high growth. From the point of view of domestic situation, the policy effect of expanding domestic demand is weakened, the endogenous motive force of economic growth is not strong, the transformation of development mode is still lagging behind, the pressure of structural adjustment is increasing further, and the expectation of inflation is obviously rising. At present, Chinese commercial banks are facing unprecedented competition pressure and complex market environment. The government authorities demand to strengthen the supervision of off-balance sheet business of banks, prevent the accumulation of risks, and keep the financial system healthy and stable. At the same time, we attach great importance to the borrowing and management of local government debt, strictly control the increment, gradually digest the stock, and effectively resolve the risk. In particular, financial institutions should strengthen risk identification and risk management, follow the principle of commercialization, and carefully assess the financial capacity of borrowers and the sources of repayment. It will be the most important task of bank credit risk management in the future to grasp the policy guidance and promote risk management. From the point of view of bank front-line staff, combining with the actual macro conditions, and drawing lessons from foreign advanced commercial bank credit risk management experience, I adopt the basic research method of combining theoretical discussion and data index analysis. On the basis of previous researches on bank credit risk management, according to the changing trend of commercial bank risk management, the common problems of commercial bank credit risk management in China are refined, especially the problems that the Bank of Communications is experiencing. Provide advice for Bank of Communications on overall risk management. This paper is divided into five chapters. The first chapter introduces the research background, the literature review and the research plan, the second chapter analyzes the credit risk management of Bank of Communications. The third chapter from the current situation of credit risk management of Bank of Communications leads to the existing problems of credit risk management of Bank of Communications and its causes: chapter four summarizes the experience of credit risk management of advanced commercial banks at home and abroad. In chapter 5, the advanced experience of domestic and foreign advanced commercial banks' credit risk management is integrated into the solutions to the problems of bank of communications credit risk management.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
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