Y银行宜春分行信贷风险内部控制研究

发布时间：2018-10-05 17:19

【摘要】：我国的GDP年年攀升,越来越的的企业在我国境内成立。然而,资金链是企业发展的命脉。纵观资金的源头,商业银行所放之贷款是最受追捧的。根据资料显示,在商业银行丰厚的总利润中,信贷业务所产生的那部分就占60%,显然已经成为商业银行最挣钱的现金牛。但所谓高收益自然就有高风险,信贷业务所产生的风险也是商业银行为之烦忧的一方面。因此,对于信贷风险的防范刻不容缓。本文以Y银行宜春分行为例,从内部控制角度,研究银行业信贷业务风险。本文先对信贷业务内部控制理论的回顾和对Y银行宜春分行内实施的信贷业务内部控制制度的深入了解,在此基础上,进行主要研究内容如下:1、了解并分析Y银行宜春分行现行的信贷风险内控体制制度,与其他内部控制制度比较,了解其在设计上存在的不足,并提出改进建议2、研究Y银行宜春分行信贷内控制度在贷前、贷中、贷后的实际执行情况,分析运行效果及存在的问题。3、通过案例分析法,进一步深挖内控制度问题。4、根据自身工作经验及理论基础提出改进对策。本文通过以Y银行宜春分行为背景,研究其信贷业务内部控制情况,以寻找信贷风险的根源并因地制宜的提出合理的解决措施,可以更加有效的避免银行信贷损失,为商业银行的信贷发展之路添砖加瓦。
[Abstract]:The GDP of our country rises year by year, more and more enterprises are established in our country. However, the capital chain is the lifeblood of enterprise development. Throughout the source of funds, commercial banks are the most popular loans. According to the data, the credit business accounts for 60 percent of the total profits of commercial banks, which has obviously become the most profitable cash cow for commercial banks. But the so-called high yield naturally has high risk, the risk of credit business is also a worry for commercial banks. Therefore, it is urgent to guard against credit risk. This paper takes Yichun branch of Y Bank as an example to study the risk of banking credit business from the angle of internal control. This paper first reviews the theory of internal control of credit business and deeply understands the internal control system of credit business implemented in Yichun branch of Y Bank, on the basis of which, The main research contents are as follows: 1, understand and analyze the current credit risk internal control system of Yichun branch of Y Bank, compare with other internal control systems, and understand its shortcomings in design. And put forward the improvement suggestion 2, study Y Bank Yichun branch credit internal control system before, during, after the actual implementation of the loan, analysis of the operational results and existing problems. 3, through the case analysis, Further excavate the internal control system problem. 4, according to their own work experience and theoretical basis, put forward the improvement countermeasures. Based on Yichun branch of Y Bank, this paper studies the internal control of its credit business, in order to find out the root of credit risk and put forward reasonable solutions according to local conditions, it can avoid bank credit loss more effectively. Commercial banks for the credit development of the road to add bricks and mortar.
【学位授予单位】：江西师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F830.42

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