北银公司信用贷款业务财务风险控制研究

发布时间：2018-04-17 00:06

本文选题：财务风险 + 信用贷款业务　；参考：《黑龙江八一农垦大学》2017年硕士论文

【摘要】：自2015年3月以来,利率的市场化改革使商业银行拥有了在浮动区间内自定存、贷款利率的权力,由此各商业银行争相调整存贷款利率以此来吸引客户提高信贷市场的占有份额。商业银行的这种行为导致在信贷市场上拥有43%市场份额的金融公司的业务空间被大量挤压。并使得各大金融公司办理无需抵押的信用贷款业务的财务回款风险控制问题日益凸显。对于已经成立7年的北银公司而言,由于其在信贷市场上推行的信用贷款的资产质量不断下降、逾期现象愈发严重、财务回款诉讼成功率下滑等问题导致贷款资金难以及时回笼使得北银公司面临巨大的财务风险,因而竭力提高信用贷款业务的财务风险控制水平已成为北银公司的当务之急。首先,在明确提高北银公司信用贷款业务财务风险控制水平这一研究目的的基础上,对“贷款与信用贷款”、“财务风险与信贷款财务风险”、“风险控制与信贷风险控制”等概念理论进行了阐述;其次,基于第二章相关概念的界定和理论基础,介绍了北银公司及其信用贷款业务的开展情况,根据其信用贷款业务流程的三个环节分别对财务风险控制现状进行阐述,明确其每个业务环节的财务风险控制所采取的主要控制手段;再次,通过对近5年北银公司信用贷款的各年度业务报告等数据资料中的逾期客户所在的行业领域、资产状况、利润水平、财务批款额度等内容进行整理分析,并依靠贷款回款率、不良贷款率、逾期比率等指标佐证北银公司信用贷款业务在财务风险控制过程中存在客户财务数据失真、财务信贷评级不当等系列问题,并逐项分析产生问题的原因。最后,对其信用贷款业务寻找相应地能够提升财务风险控制水平的途径,明确未来北银公司信用贷款业务财务风险控制的目标,有针对性地去对信用贷款三个环节中的关键节点存在的财务风险控制问题,提出具体可行的对策,在提升北银公司信用贷款业务财务风险控制水平的同时,以期为其他同水平、同规模的金融公司等解决类似的问题提供一定的指导和借鉴。
[Abstract]:Since March 2015, the market-oriented reform of interest rates has given commercial banks the power to set their own deposit and loan rates in a floating range. As a result, commercial banks are scrambling to adjust deposit and loan rates in order to attract customers to increase their share of the credit market.This behavior by commercial banks has led to a massive squeeze on the business space of financial companies with 43 per cent market share in the credit market.And the financial risk control problem of credit loan business without mortgage is becoming more and more prominent.For North Bank Corporation, which has been established for seven years, the problem of overdue has become more serious because of the declining asset quality of the credit loans it has been promoting in the credit market.Due to the decline of the success rate of financial return litigation, the loan funds are difficult to be returned in time, which makes BBC face huge financial risk. Therefore, it is urgent for BBC to improve the financial risk control level of credit loan business.First of all, on the basis of the research purpose of improving the financial risk control level of the credit loan business of the Bank of North Bank Company, the paper makes a study on the financial risk of "loan and credit loan", "financial risk and credit loan financial risk".The concept theory of "risk control and credit risk control" is expounded. Secondly, based on the definition and theoretical basis of the related concepts in Chapter 2, the paper introduces the development of the North Bank Corporation and its credit loan business.According to the credit loan business process of the three links of the financial risk control status, to clarify the financial risk control of each business link to take the main means of control; again,Through collating and analyzing the overdue customers' fields, assets status, profit level, financial approval amount, and so on in the annual business reports of BBC credit loans in the past five years, and relying on the loan payback rate,The non-performing loan ratio, overdue ratio and other indicators prove that there are a series of problems such as customer financial data distortion and improper financial credit rating in the process of financial risk control in the credit loan business of BBC Corporation, and the causes of the problems are analyzed one by one.Finally, to find a way to improve the level of financial risk control in credit loan business, and make clear the goal of financial risk control in credit loan business of Bei Bank Company in the future.Aiming at the financial risk control problems existing in the key nodes in the three links of credit loan, the paper puts forward concrete and feasible countermeasures to improve the level of financial risk control in the credit loan business of Bei Bank Company, with a view to providing the same level for other credit loans.Financial companies of the same size to solve similar problems to provide certain guidance and reference.
【学位授予单位】：黑龙江八一农垦大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F830.42

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