恒丰银行南京分行信贷风险管理研究

发布时间：2019-02-17 15:22

【摘要】：信贷风险管理是现代商业银行风险管理的核心内容之一。20世纪90年代以来,信贷风险管理成为商业银行风险管理中最关键也最具挑战性的领域之一。随着金融市场日趋复杂、衍生金融工具不断发展,商业银行的信贷风险暴露开始成倍增长,性质也更为复杂。2007年美国“次贷危机”爆发导致的全球金融危机加剧,使得商业银行的信贷风险管理更加成为国际国内金融界关注的焦点。对于我国,目前金融市场自由化还处于初级阶段,贷款仍占银行总资产的绝对比重,信贷业务仍然是各商业银行的主要利润来源,因此,在现阶段信贷风险管理仍然是各商业银行风险管理的主要部分,商业银行面临最大的风险也是信贷风险。加强研究信贷风险管理,提高商业银行对信贷风险的识别、控制、处置能力,对于抵御信贷风险,提升银行信贷资产质量,实现稳健经营有着重要意义。本文从商业银行信贷风险有关理论入手,根据导致银行信贷资产损失的风险事件的不同对信贷风险分类,从恒丰银行南京分行当前信贷风险管理的现状出发,提出深化信贷风险管理的必要性。虽然恒丰银行南京分行在信贷风险管理方一面采取了一系列的措施,但是其信贷资产的质量仍旧令人担忧。信贷风险管理是一个复杂的过程,恒丰银行南京分行要根据各种渠道获得信息,把好准入关口,提早识别风险来源、风险范围、风险程度和风险趋势,并发出相应的风险警示信号,采取一系列的手段对信贷风险进行控制。因此,恒丰银行南京分行信贷风险的识别、预警、计量、防范和化解是一个非常重要的过程,贯穿于贷款的全过程。针对各类风险产生的原因,采取相应的信贷风险控制措施,并结合恒丰银行南京分行的实际情况提出改进建议,通过研究以使恒丰银行南京分行能最大限度降低信贷风险、提高经营效益。
[Abstract]:Credit risk management is one of the core contents of modern commercial bank risk management. Since 1990s, credit risk management has become one of the most critical and challenging fields in commercial bank risk management. With the increasing complexity of financial markets and the continuous development of derivative financial instruments, the exposure of commercial banks to credit risks has increased exponentially and their nature has become more complicated. The global financial crisis caused by the outbreak of the "subprime mortgage crisis" in the United States in 2007 intensified. The credit risk management of commercial banks has become the focus of international and domestic financial circles. For our country, the liberalization of the financial market is still in the initial stage, loans still account for the absolute proportion of the total assets of the banks, and the credit business is still the main source of profits of the commercial banks. At the present stage, credit risk management is still the main part of the risk management of commercial banks, and the biggest risk faced by commercial banks is credit risk. It is of great significance to strengthen the research on credit risk management and to improve the ability of commercial banks to identify, control and deal with credit risk, to resist credit risk, to improve the quality of bank credit assets and to realize sound management. This paper starts with the theory of credit risk of commercial banks, classifies credit risk according to the different risk events that lead to the loss of bank credit assets, and proceeds from the current situation of credit risk management in Nanjing Branch of Hengfeng Bank. The necessity of deepening credit risk management is put forward. Although the Nanjing branch of Hengfeng Bank has taken a series of measures on the credit risk management side, the quality of its credit assets remains worrisome. Credit risk management is a complicated process. The Nanjing Branch of Hengfeng Bank should obtain information according to various channels, pass the entry and exit well, and identify the source, scope, degree and trend of risk ahead of time. And issued the corresponding risk warning signal, take a series of means to control the credit risk. Therefore, the identification, warning, measurement, prevention and solution of credit risk in Nanjing Branch of Hengfeng Bank is a very important process, which runs through the whole process of loan. Aiming at the causes of various kinds of risks, taking corresponding credit risk control measures and combining with the actual situation of Hengfeng Bank Nanjing Branch, the paper puts forward some suggestions for improvement, and through the research, we can make Hengfeng Bank Nanjing Branch to minimize the credit risk. Improve the efficiency of operation.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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