江门融和农商银行贷后管理及对策研究

发布时间：2017-12-30 19:16

本文关键词：江门融和农商银行贷后管理及对策研究　出处：《华中科技大学》2012年硕士论文　论文类型：学位论文

【摘要】：农村商业银行是农村金融基础和我国金融体系不可或缺的重要组成部分。然而改制后的农村商业银行在各方面与现代商业银行相比仍存在较大差距。目前农村商业银行面临的主要风险是信贷风险，如何提高银行风险管理水平已成为亟待解决的问题。贷后管理作为风险管理的重要环节，是银行预防和化解信贷风险的重要措施，也是银行安全收回信贷资产的根本保证。对贷后管理的研究有助于农村商业银行不断提高自身的风险防范能力和经营管理水平，实现银行可持续发展具有积极意义。本文提出了贷后管理的研究意义和背景，并阐述了贷后管理对银行生存和发展的重要性，通过对国内外相关文献资料的阅读和分析，总结并归纳了当今商业银行有关信贷管理的理论发展和研究成果。然后介绍了江门融和农商银行的经营和管理现状，，并对目前信贷开展情况进行介绍和对贷后管理作深入分析，总结该行在贷后管理中所面临的问题：包括存在重贷轻管的观念、贷后管理制度不完善、贷后检查流于形式、客户经理素质不高、缺乏有效信息技术平台和管理工具、贷后管理考核体系不完善和外部信息获取渠道不畅和市场法制不健全。对江门融和农商银行在贷后管理中存在问题提出应对措施：包括转变贷后管理观念、实施差别化和规范化贷后管理、建立贷后管理团队、开发相应的贷后管理预警与跟踪系统、贷后管理激励措施的创新以及加强信息共享和建立外部沟通机制等手段，以此促进该行信贷风险管理得到良好发展。
[Abstract]:The rural commercial bank is an indispensable part of the rural financial foundation and the financial system of our country. However, there is still a big gap between the reformed rural commercial banks and the modern commercial banks. The main risk faced by industrial banks is credit risk. How to improve the level of bank risk management has become an urgent problem. As an important part of risk management, post-loan management is an important measure for banks to prevent and resolve credit risk. It is also the fundamental guarantee for banks to recover credit assets safely. The research on post-loan management helps rural commercial banks to improve their risk prevention ability and management level. It is of positive significance to realize the sustainable development of banks. This paper puts forward the significance and background of the research on post-loan management, and expounds the importance of post-loan management to the survival and development of banks, through the reading and analysis of the relevant literature at home and abroad. This paper summarizes and summarizes the theoretical development and research results of credit management in commercial banks, and then introduces the management and management status of Jiangmen Ronghe Agricultural and Commercial Bank. And the current situation of credit development and in-depth analysis of the post-loan management, summed up the bank in the post-loan management problems: including the existence of the concept of heavy credit light management, post-loan management system is not perfect. The quality of customer manager is not high, the effective information technology platform and management tools are lacking, the examination system of post-loan management is imperfect, the access to external information is not smooth and the market legal system is not perfect. This paper puts forward some countermeasures to solve the problems in the post-loan management of Jiangmen fusion agricultural and commercial bank, including changing the concept of post-loan management, implementing differential and standardized post-loan management, and establishing a post-loan management team. In order to promote the credit risk management of the bank, we should develop the corresponding early warning and tracking system of post-loan management, innovate the incentive measures of post-loan management, strengthen the information sharing and establish the external communication mechanism, so as to promote the good development of the bank's credit risk management.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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