建设银行内蒙古分行民营大客户授信业务风险管理研究

发布时间：2018-03-08 21:21

本文选题：民营大客户　切入点：授信业务　出处：《内蒙古大学》2015年硕士论文　论文类型：学位论文

【摘要】：纵观内蒙古地区的国有四大商业银行民营大客户的不良贷款率,建设银行虽相对偏低,然而实际上,在内蒙古分行授信业务的风险管理中,依然存在着诸多问题,其隐藏的风险也不可小觑。民营大客户贷款总额居高不下、不良贷款额持续递增。随着经济下行期的到来,众多民营大客户授信业务资产保全无法进行。是什么样的问题潜存在民营大客户授信业务的风险管理中?又是什么样的因素导致信贷资产风险持续增大?合理的评估和预判能否改变经济形势情况的变化,提高民营大客户授信业务风险管理的质量?本文通过内蒙古地区民营大客户经营情况及风险状况的真实现状,结合中国建设银行内蒙古分行民营大客户授信业务的信贷资产实务。立足于当前建设银行内蒙古分行在民营大客户信贷业务的风险管理情况,从民营大客户授信业务风险管理现状入手,通过对近年来在建设银行内蒙古分行实际发生的风险案例进行剥茧抽丝的深度剖析,找出并诠释建设银行内蒙古分行民营大客户授信业务风险管理中存在的问题,提出行之有效的解决方案及对策。期望通过风险管理能力的不断提升最终来促使民营大客户资产质量的不断优化。为建设银行内蒙古分行民营大客户授信业务未来的发展和风险管理建设更加完善做出些许贡献。
[Abstract]:Looking at the non-performing loan ratio of the major private clients of the four state-owned commercial banks in Inner Mongolia, China Construction Bank is relatively low, but in fact, there are still many problems in the risk management of the credit business in Inner Mongolia Branch. The hidden risks are not to be underestimated. The total amount of private major customers' loans remains high, and the amount of non-performing loans continues to increase. With the arrival of the economic downturn, Many private big customer credit business asset preservation can not be carried out. What kind of problems lurking in the private major customer credit business risk management? What kind of factors cause the risk of credit assets to continue to increase? Can reasonable evaluation and prediction change the change of economic situation and improve the quality of risk management of private clients' credit business? This article through the Inner Mongolia area private big customer management situation and the risk condition real present situation, Combining with the practice of credit assets of China Construction Bank Inner Mongolia Branch, based on the current situation of risk management of China Construction Bank Inner Mongolia Branch in the private major customer credit business, Starting with the current situation of risk management in the credit business of private major customers, this paper analyzes the actual risk cases in Inner Mongolia Branch of China Construction Bank in recent years. To find out and interpret the problems existing in the risk management of the private major customers' credit business in Inner Mongolia Branch of China Construction Bank, The effective solutions and countermeasures are put forward. It is expected that the continuous improvement of risk management ability will eventually promote the continuous optimization of the asset quality of the private major clients. No credit service for the private major customers of the Inner Mongolia Branch of China Construction Bank. To the development and risk management construction more perfect to make some contributions.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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