交通银行哈尔滨分行信贷风险管理研究

发布时间：2018-01-10 09:18

本文关键词：交通银行哈尔滨分行信贷风险管理研究　出处：《哈尔滨工程大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着经济的不断发展，金融做为现代经济的核心作用越来越明显。商业银行在金融体系当中居于主导地位，是国家经济状况的晴雨表。商业银行风险管理水平的高低直接影响经济的稳定。由于信贷业务是我国国有商业银行的主要资产业务，同时也是商业银行利润的重要来源，因此信贷业务是我国金融风险的主要汇集点，，具体表现为信贷风险。只有合理、有效控制信贷风险，促进金融体系安全、稳健运行，才能实现我国社会主义市场经济健康、可持续发展。本文在阐述商业银行信贷风险成因的基础上，具体分析了我国商业银行信贷风险管理的现状及对策，由一般到个别的分析了交通银行哈尔滨分行信贷风险管理现状、存在的问题及成因。通过采集相关数据建立适合交通银行哈尔滨分行的信贷风险管理模型，最后提出改善交通银行哈尔滨分行信贷管理的具体对策。论文分为5章，第1章绪论部分介绍了本文的研究背景、方向和内容。第2章全面介绍了风险、信贷风险的内涵及信贷风险管理的内容，并对我国商业银行信贷风险管理的现状和问题进行了阐述。在第2章的基础上，第3章首先详细介绍了交通银行哈尔滨分行信贷风险管理现状、存在的问题，其次具体分析了交通银行哈尔滨分行信贷风险管理自有的成因。第4章首先对国外商业银行信贷风险管理常用评价模型进行了介绍，并对交通银行哈尔滨分行信贷风险管理现有评价方法进行了详细论述，指出其存在的缺陷和不足，然后引进国际先进银行普遍使用的RAROC模型对该行信贷风险管理进行了评价，证明其科学性和合理性。第5章总结性的提出了改善交通银行哈尔滨分行信贷风险管理的具体对策。
[Abstract]:With the continuous development of economy, the central role of finance as the modern economy is becoming more and more obvious. Commercial banks play a leading role in the financial system. It is a barometer of the national economic situation. The level of risk management of commercial banks directly affects the stability of the economy. Because the credit business is the main asset business of state-owned commercial banks in China. At the same time, it is also an important source of commercial bank profits, so credit business is the main gathering point of financial risk in China, which is manifested in credit risk. Only reasonable, effective control of credit risk, promote the security of financial system. Stable operation, can realize our country socialism market economy is healthy, sustainable development. On the basis of explaining the causes of credit risk of commercial banks, this paper analyzes the present situation and countermeasures of credit risk management of commercial banks in China. From general to individual analysis of the current situation, existing problems and causes of credit risk management in Harbin Branch of Bank of Communications. Through the collection of relevant data to establish a credit risk management model suitable for Harbin Branch of Bank of Communications. Finally, the paper puts forward the concrete countermeasures to improve the credit management of Bank of Communications Harbin Branch. The first chapter introduces the research background, direction and content of this paper. Chapter 2 introduces the risk, the connotation of credit risk and the content of credit risk management. On the basis of chapter 2, chapter 3 introduces the current situation and problems of credit risk management of Bank of Communications Harbin Branch in detail. Secondly, it analyzes the causes of credit risk management in Harbin Branch of Bank of Communications. Chapter 4 introduces the common evaluation models of credit risk management in foreign commercial banks. At the same time, the existing evaluation methods of credit risk management in Harbin Branch of Bank of Communications are discussed in detail, and the defects and shortcomings are pointed out. Then the RAROC model which is widely used by international advanced banks is introduced to evaluate the credit risk management of international advanced banks. Chapter 5 puts forward the concrete countermeasures to improve the credit risk management of Bank of Communications Harbin Branch.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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