中国工商银行M分行信贷风险管理研究

发布时间：2018-03-04 01:22

本文选题：信贷风险　切入点：信贷管理　出处：《兰州大学》2012年硕士论文　论文类型：学位论文

【摘要】：我国加入世贸组织以后,国内的银行业逐步同国际金融市场接轨,这些变化使商业银行等金融机构面临日趋严重的金融风险。为进一步推动经济发展,2008年年底,国内施行了宽松型的货币政策,新增贷款经历了一个超常规增长的过程。目前的宏观经济行情使商业银行的信贷业务面临着越来越多的竞争压力和日益复杂的市场环境。中国东方资产管理公司不良贷款调查组经过调查,预测近年中国巨量信贷将导致不良贷款的生成概率微幅放大。在信贷激增的过程中,如何提高我国商业银行信贷风险管理水平,抑制不良率的抬头,保持信贷资产的健康发展,显得尤为关键。本文以工商银行M分行为研究对象,采用理论联系实际、因果分析等方法,在经过实地调研、资料分析基础上,对该行信贷风险管理存在问题进行分析,围绕这些问题产生的原因,从组织架构重组、制度完善、文化建设、人才培养、风险管理技术革新、信贷资产质量持续优化等方面提出解决方法和具体措施。本文针对工行M分行信贷管理的信贷经营管理体制和信贷风险组织架构存在的问题,提出成立信贷经营管理中心,转变信贷业务授权方式,以确保信贷风险组织架构的独立性和信贷决策的科学性。M分行信贷经营管理分中心作为独立的信贷管理系统,不属于各个分行的行长管辖,负责本行大法人客户贷款的集中审批和管理,小客户仍由M分行信贷部按小客户管理。信贷经营管理中心各个分中心总经理和副总经理在总行授予的审批权限内对相关的信贷业务进行审批,信贷业务授权实行个性化授权的专家审贷制。为保证贷前调查的客观性,本文在完善信贷风险预警体系部分中提出了建立贷前信息调查途径审查制度,通过对贷前信息调查途径的审查,以衡量信息的真实性和可靠性,以及对一线信贷员的信息获取工作进行指导。并在信贷管理信息系统CM2002中提升贷前调查信息管理模块的功能,在该模块的各项调查内容中设置下拉菜单增加调查途径选择功能,通过电子化审查贷前信息的调查途径。
[Abstract]:After China's accession to the WTO, the domestic banking industry gradually converges with the international financial market. These changes have made commercial banks and other financial institutions face increasingly serious financial risks. In order to further promote economic development, at the end of 2008, A loose monetary policy has been implemented at home. New loans have gone through a process of extraordinary growth. The current macroeconomic situation has put commercial banks under increasing competitive pressure and increasingly complex market conditions. China Oriental Asset Management Corporation. The non-performing loan investigation team was investigated. It is predicted that the huge amount of credit in China in recent years will lead to a slight amplification of the probability of the formation of non-performing loans. In the process of credit explosion, how to improve the level of credit risk management of commercial banks in China, curb the rise of the bad rate, and maintain the healthy development of credit assets, It is particularly critical. This paper takes the M branch of ICBC as the research object, using the methods of combining theory with practice, causality analysis and so on. On the basis of field investigation and data analysis, the paper analyzes the existing problems of credit risk management of ICBC. Around the causes of these problems, this paper puts forward the solutions and concrete measures from the aspects of organizational structure reorganization, system perfection, cultural construction, talent training, technological innovation of risk management, and continuous optimization of credit asset quality. Aiming at the problems existing in the credit management system and the credit risk organization structure of ICBC M Branch, this paper proposes to set up a credit management center to change the authorization mode of credit business. To ensure the independence of the credit risk organization structure and the scientific nature of credit decision-making. M Branch Credit Management Sub-Center, as an independent credit management system, does not fall under the jurisdiction of the presidents of each branch, To be responsible for the centralized examination and approval and management of the bank's large corporate customer loans, The small customers are still managed by the credit department of the M branch on the basis of the small accounts. The general manager and deputy general manager of each branch center of the credit management center examine and approve the relevant credit business within the authority granted by the head office. Credit business authorization to implement personalized authorization of the expert loan review system. In order to guarantee the objectivity of the pre-loan investigation, this paper puts forward the establishment of the system of examining the ways of the pre-loan information investigation in order to measure the authenticity and reliability of the information in order to improve the early warning system of the credit risk. As well as guiding the information acquisition work of the first-line credit officer, and improving the function of the pre-loan investigation information management module in the credit management information system (CM2002), and setting up a drop-down menu in each investigation content of the module to increase the function of selecting the investigation path. Through the electronic examination of pre-loan information investigation.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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