浦发银行沈阳分行不良资产管理体系改进研究

发布时间：2018-04-01 21:46

本文选题：不良资产　切入点：管理体系　出处：《吉林大学》2012年硕士论文

【摘要】：不良资产是银行业的主要风险，，从公司治理角度看，它会影响到投资者的投资回报；从银行自身经营来看，它会降低银行可持续发展能力，进而引发系统性风险；放大至国家的金融系统来看，它直接关系到整个经济体系的平稳发展和安全。本文立足于不良资产处置实务，首先介绍了沈阳分行不良资产管理现状,发现并提出工作中存在的若干问题。为解决问题，分析了出现问题的原因，进而提出了改进不良资产处置的相关方案，最后为保障相关方案得以实施提出了对应的配套措施。不良资产处置一直以来是银行界的重要探索课题,作者选题的目的在于,将不良资产处置这个大而宽泛的命题微观化,浓缩至一家股份制商业银行的分支机构---浦发银行沈阳分行，通过对其内部、外部环境的分析，从创新不良资产处置方式、提高不良资产处置效率、贯彻奖罚激励制度等角度提出了改进措施，以期可以优化不良资产管理体系和处置途径，实现不良资产处置效果最大化的目标。第1章为绪论，主要阐述本文的研究背景和意义，并介绍本文的研究思路和主要内容。第2章为沈阳分行不良资产管理现状与问题。归纳总结了不良资产管理中存在四类的问题，这四类问题是表现在不良资产处置工作中的典型问题，主要反映在沈阳分行内部管理中。第3章，作者将视角投向查找不利于沈阳分行不良资产处置的因素上。通过对社会环境因素、信用环境因素、经营管理因素、处置成本因素等四个因素进行分析，同时结合大量沈阳分行近年发生的不良资产处置案例，揭示出内外部不利因素对不良资产处置工作的负面影响。第4章,作者在第三章查找原因的基础上,从强调尽职管理等方面提出了不良资产处置的改进措施。这些措施顺应了当前银行业发展的主流趋势，依托商业银行近年来与不良资产处置相关的信贷发展规划、风险管理构架，得出了具有可操作性的改进不良资产处置体系的方案。第5章,作者立足于本职工作和所在地区,将目光放大到整个社会保障领域，提出了不良资产处置改进方案的配套保障措施。可以说，单独依靠作为银行分支机构的沈阳分行，其自身调节能力还无法做到全方位的调整其固有的不良资产处置模式，必须依靠社会力量的相关调整，方可实现本文所提出的改进方案。全文在研究方法上,充分运用MBA专业的各种管理知识、方法及相关理论，提出了对化解不良资产处置难题、创新资产处置途径的合理构想，以及对消除不利影响、完善资产处置环境的切身体会，以期提高浦发银行沈阳分行的盈利性、安全性和流动性，并从中寻求解决我国银行不良资产难题的有效路径，为其它研究者进一步研究不良资产处置模式提供理论支持和实践启示。
[Abstract]:Non-performing assets is the main risk of banking, from the perspective of corporate governance, it will affect the return on investment of investors, from the perspective of the bank itself, it will reduce the ability of sustainable development of banks, and then lead to systemic risk.Magnified to the national financial system, it is directly related to the smooth development and security of the entire economic system.Based on the practice of dealing with non-performing assets, this paper first introduces the current situation of non-performing assets management in Shenyang Branch, and points out some problems existing in the work.In order to solve the problem, this paper analyzes the causes of the problem, and then puts forward the related plan to improve the disposal of non-performing assets, and finally puts forward the corresponding supporting measures to ensure the implementation of the relevant scheme.The disposal of non-performing assets has always been an important research topic in the banking sector. The purpose of the author's topic is to micro the large and broad proposition of the disposal of non-performing assets.Concentrated to a branch of a joint-stock commercial bank---Pudong Development Bank Shenyang Branch, through the analysis of its internal and external environment, from the innovation of non-performing assets disposal methods to improve the efficiency of non-performing assets disposal,In order to optimize the management system and disposal way of non-performing assets and realize the goal of maximizing the effect of disposal of non-performing assets, this paper puts forward some improvement measures from the angle of incentive system of reward and punishment.The first chapter is the introduction, mainly expounds the research background and significance of this paper, and introduces the research ideas and main contents of this paper.Chapter 2 is the current situation and problems of non-performing assets management in Shenyang Branch.This paper summarizes four kinds of problems in the management of non-performing assets, which are typical problems in the disposal of non-performing assets, mainly reflected in the internal management of Shenyang Branch.In Chapter 3, the author puts the angle of view to find out the factors that are unfavorable to the disposal of non-performing assets in Shenyang Branch.Through the analysis of social environmental factors, credit environment factors, management factors and disposal cost factors, combined with a large number of cases of disposal of non-performing assets in Shenyang Branch in recent years,It reveals the negative effects of internal and external adverse factors on the disposal of non-performing assets.In chapter 4, the author puts forward some measures to improve the disposal of non-performing assets from the aspects of due diligence management based on the reason of finding out the reasons in the third chapter.These measures conform to the mainstream trend of the development of the banking industry. Relying on the credit development planning and risk management framework of commercial banks related to the disposal of non-performing assets in recent years, an operable scheme to improve the disposal system of non-performing assets is obtained.In chapter 5, based on the work and the area, the author sets his eyes on the whole social security field, and puts forward the corresponding safeguard measures for the improvement scheme of the disposal of non-performing assets.It can be said that relying solely on Shenyang Branch, as a branch of a bank, can not adjust its inherent mode of disposal of non-performing assets in an all-round way, but must rely on the relevant adjustment of social forces.In order to achieve the improvement proposed in this paper.In the aspect of research methods, this paper makes full use of all kinds of management knowledge, methods and relevant theories of MBA specialty, and puts forward a reasonable conception to resolve the difficult problem of dealing with non-performing assets, to innovate the ways of asset disposal, and to eliminate the adverse effects.In order to improve the profitability, safety and liquidity of Shanghai Development Bank's Shenyang Branch, we can find an effective way to solve the problem of China's banks' non-performing assets.To provide theoretical support and practical enlightenment for other researchers to further study the model of non-performing assets disposal.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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