基于胜任力的项目管理层授信评价研究
发布时间：2019-01-19 15:03
【摘要】：“三个办法一个指引”的出台确立了本文的研究背景,换言之,确立了项目贷款风险评估的改变,为其从更多实践中总结更多更新的理论贡献了必要性。项目贷款授信评价是项目贷款风险管理过程中一个相当关键的环节。通过对项目本身提炼关键风险控制点,并对关键风险控制点作出事件描述,通过AHP确定权重,专家打分,进而确定风险等级；给予贷款发放的额度、方式以及还款方式作出决策参考。本文的研究重点着眼于现存的整个项目贷款授信评价中的一个部分即是关于管理层的授信评价方面。引入胜任力——“冰山模型”对其进行现状问题的分析、对其修善,并最终引进羞愧理论对授信评价体系的隐藏信息指标丰富,建立新的管理层授信评价指标体系,进而对新的体系进行了验证。本文首先从项目贷款新规出台后对银行业贷款机构的贷款管理的影响入手,接着介绍了一些相关理论,如胜任力“冰山模型”,项目授信评价模型；通过对授信评价模型里头的既有的管理层授信评价指标的修善,引入胜任力相关理论,使得胜任力理论下的管理层授信评价指标体系为现实的项目贷款授信评价服务；最后通过一个现实的案例为实证,运用新的基于胜任力的管理层授信评价模型进行了管理层授信评价工作,结果证明修善的管理层授信评价模型科学实用。
[Abstract]:The introduction of "three methods and one Guide" establishes the research background of this paper, in other words, it establishes the change of project loan risk assessment, which contributes to the necessity of summing up more updated theories from more practice. Project loan credit evaluation is a key link in the process of project loan risk management. By refining the key risk control points of the project itself and making an event description of the key risk control points, the weight of the key risk control points is determined by AHP, and the expert scores, and then the risk grade is determined. Make decision-making reference to the amount, method and repayment method of the loan. This paper focuses on the existing project loan credit evaluation of a part is about the management of credit evaluation. The competency "iceberg model" is introduced to analyze the current situation of the system, and to improve it. Finally, the hidden information index of the credit evaluation system is rich in the shame theory, and a new management credit evaluation index system is established. Furthermore, the new system is verified. This paper begins with the impact of the new project loan rules on the loan management of the banking lending institutions, and then introduces some relevant theories, such as the competency "iceberg model", the project credit evaluation model; Through the improvement of the existing management credit evaluation index in the credit evaluation model, the competency theory is introduced to make the management credit evaluation index system under competency theory serve the project loan credit evaluation. Finally, through a practical case, this paper uses a new competency based management credit evaluation model to evaluate the management credit. The results show that the improved management credit evaluation model is scientific and practical.
【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】：F272.92;F832.4
[Abstract]:The introduction of "three methods and one Guide" establishes the research background of this paper, in other words, it establishes the change of project loan risk assessment, which contributes to the necessity of summing up more updated theories from more practice. Project loan credit evaluation is a key link in the process of project loan risk management. By refining the key risk control points of the project itself and making an event description of the key risk control points, the weight of the key risk control points is determined by AHP, and the expert scores, and then the risk grade is determined. Make decision-making reference to the amount, method and repayment method of the loan. This paper focuses on the existing project loan credit evaluation of a part is about the management of credit evaluation. The competency "iceberg model" is introduced to analyze the current situation of the system, and to improve it. Finally, the hidden information index of the credit evaluation system is rich in the shame theory, and a new management credit evaluation index system is established. Furthermore, the new system is verified. This paper begins with the impact of the new project loan rules on the loan management of the banking lending institutions, and then introduces some relevant theories, such as the competency "iceberg model", the project credit evaluation model; Through the improvement of the existing management credit evaluation index in the credit evaluation model, the competency theory is introduced to make the management credit evaluation index system under competency theory serve the project loan credit evaluation. Finally, through a practical case, this paper uses a new competency based management credit evaluation model to evaluate the management credit. The results show that the improved management credit evaluation model is scientific and practical.
【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】：F272.92;F832.4
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