我国城市商业银行企业客户授信审查实务研究

发布时间：2018-01-01 08:00

本文关键词：我国城市商业银行企业客户授信审查实务研究　出处：《华中科技大学》2012年硕士论文　论文类型：学位论文

【摘要】：我国商业银行的风险管理目前尚处于发展时期，尤其在现在经济转轨时期，不良资产的上升趋势成为影响我国银行业发展的瓶颈之一。随着我国改革开放的不断深入，市场体系、法律制度、信用基础等宏观环境的不断完善，尤其是我国商业银行的股权改革，以及商业银行的上市，进入资本市场，将更多地融入金融全球化的进程中。面对国际国内经济金融复杂多变的形势，，监管环境将持续严格，在实现经营发展的战略目标过程中，商业银行风险管理将任重而道远。在此大背景下，本文从授信审查实务的视角出发，以新形势下银行信用风险管理的研究为核心，立足我国现行法律及监管当局规定，并试图通过与国外银行的适当的对比分析，紧密结合城市商业银行的自身特点，以A公司项目贷款的审查、审批为实例，展开分析论述。分别阐述了论文的选题背景、选题的重要性、选题的意义及论文的内容和章节安排；商业银行企业客户授信审查的概述，阐述了商业银行信贷风险的涵义、商业银行授信业务的特点及审查难点、企业客户授信业务审查内容概览、目前城市商业银行信用风险管理存在的主要问题；以总结的模板为蓝本，对A商业银行A公司项目贷款的审查、审批业务进行了实证分析。最后谈及了提高商业银行风险管理能力的粗浅构想，并提出了对未来的展望。
[Abstract]:The risk management of commercial banks in China is still in the period of development, especially in the economic transition period, the rise of non-performing assets has become one of the bottlenecks affecting the development of China's banking industry. With the deepening of China's reform and opening up, the market system, legal system, credit based macro environment continues to improve, especially in our country the commercial bank equity reform, and listed commercial banks, to enter the capital market, will be more involved in the process of financial globalization. In the face of complex domestic and international economic and financial situation, the regulatory environment will continue strict strategic objectives in the process of implementation of business development, risk management of commercial bank will have a long way to go.
Under this background, this paper from the perspective of the credit examination practices of the new situation of bank credit risk management as the core, based on our current laws and regulations and regulatory authorities, trying to through the appropriate comparison with foreign bank analysis, combined with the city commercial bank's own characteristics, to A company project loan review and approval as an example, discuss respectively. The paper describes the background, significance, contents and chapters arrangement and significance of this article; an overview of commercial bank customer credit review, expounds the meaning of the credit risk of commercial banks, the characteristics and difficulties of the review of credit business in commercial banks, corporate customers credit business review content overview, main problems of the current credit risk management of city commercial banks; to sum up the template based on A company A project loan of commercial bank The review of the funds, the examination and approval of the business has been made an empirical analysis. Finally, it talks about the rough idea of improving the risk management ability of commercial banks, and puts forward the prospect of the future.

【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】：F832.33

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