浦发银行沈阳分行信贷风险管理研究

发布时间：2018-04-02 06:01

本文选题：浦发银行　切入点：信贷风险　出处：《辽宁大学》2012年硕士论文

【摘要】：目前，中间业务在商业银行中的比重不断增加，但我国商业银行的核心业务仍然是信贷业务,在商业银行利润组成中占有举足轻重的地位，贯穿商业银行信贷业务全过程的信贷风险自然就成为商业银行经营风险中面临的最大风险，商业银行的信贷风险管理理应受到商业银行从业人员的重视。然而现实情况是,大多数商业银行在信贷业务中片面注重发展速度、信贷规模而放松管理、忽视风险控制，，不重视信贷资产质量长期很差的局面,违规违纪问题时有发生的商业银行尚未消化旧的不良贷款包袱,新的不良贷款包袱又形成,为商业银行的安全运营安上了定时炸弹,时刻威胁着我国的商业银行体系、金融市场和整个社会经济的稳定。因此,我国银行业运营过程中面临的重大课题就可以概括为如何提高信贷风险管理水平。本文以上海浦东发展银行股份有限公司沈阳分行为研究对象,笔者对以往关于商业银行风险和商业银行信贷风险的众多国内外文献进行阅读之后,在对相关理论进行了整理、总结、分析的基础上,找到了适应浦发沈阳分行现状的信贷风险研究的突破点。在系统的阐述了本文的研究背景、研究意义以及论文框架后,本文首先从介绍商业银行信贷风险的概念、特征、产生原因及信贷风险管理的程序、目标的基本理论知识入手,通过对浦发银行沈阳分行信贷风险管理现状的分析,找出浦发沈阳分行在信贷风险管理方面存在的问题,并对问题产生的原因进行了深刻的剖析。最后,结合作者自身经验和从事商业银行信贷的工作经历,在借鉴国内外一些先进的理论和实践经验基础上,针对浦发沈阳分行面临的具体问题,提出了改进浦发沈阳分行信贷风险管理的建议。在文章的结尾,笔者对本文的阐述做了系统总结,并提出了未来商业银行信贷风险研究可能的发展方向。。
[Abstract]:At present, the proportion of intermediate business in commercial banks is increasing, but the core business of commercial banks in our country is still credit business, which plays an important role in the composition of commercial banks' profits. The credit risk that runs through the whole process of commercial bank credit business naturally becomes the biggest risk faced by the commercial bank management risk. The commercial bank credit risk management should be paid attention by the commercial bank employee. However, the reality is that, Most commercial banks pay one-sided attention to the development speed of credit business, relax the management of credit scale, ignore risk control and neglect the situation that the quality of credit assets is very poor for a long time. The problem of violating rules and regulations has not yet digested the old burden of non-performing loans, and the new burden of non-performing loans has formed again, putting a time bomb on the safe operation of commercial banks and threatening the commercial banking system of our country at all times. The stability of financial market and the whole society and economy, therefore, the important subject in the course of banking operation of our country can be summarized as how to improve the level of credit risk management. In this paper, Shanghai Pudong Development Bank Co., Ltd. Shenyang Branch as the research object, the author of the past on the risks of commercial banks and commercial banks credit risk of many domestic and foreign literature, after the collation of relevant theories. On the basis of summing up and analyzing, the paper finds the breakthrough point of credit risk research which adapts to the present situation of Pufa Shenyang Branch. After systematically expounding the research background, significance and frame of this paper, This paper begins with the introduction of the concept, characteristics, causes and procedures of credit risk management of commercial banks, and the basic theoretical knowledge of the objectives, and analyzes the present situation of credit risk management in Shanghai Branch of Pudong Development Bank. To find out the problems existing in the credit risk management of Pufa Shenyang Branch, and analyze the causes of the problems deeply. Finally, combining the author's own experience and the work experience of engaging in commercial bank credit, On the basis of some advanced theories and practical experiences at home and abroad, this paper puts forward some suggestions to improve the credit risk management of Pufa Shenyang Branch, aiming at the specific problems faced by the Shenyang Branch. The author makes a systematic summary of this article, and puts forward the possible development direction of the future commercial bank credit risk research.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

【参考文献】