恒丰银行向HY控股集团贷款案例分析

发布时间：2018-04-09 20:00

本文选题：贷款　切入点：风险评估　出处：《西南财经大学》2012年硕士论文

【摘要】：银行业的发展经历了漫长的过程,伴随经济的不断发展,人们呈现出多样化的金融需求,银行业务在最初存、贷、汇的基础之上得到不断的丰富和发展。然而,资金的来源是资金运用的前提,银行业传统的存贷业务始终是银行发展的基础,目前银行存在的各种新兴业务都是在此基础上创新和延伸而来。同时,贷款业务在银行资产业务中举足轻重的地位,决定了对贷款的管理始终不可疏忽。尤其是在我国加入WTO以后,逐渐放宽对外资银行的限制,我国的商业银行尤其是中小型股份制商业银行,面临更大的挑战,如何不断完善其贷款业务以提高自身竞争力,就显得更为重要。本文运用案例分析的方法,首先选取恒丰银行对HY集团的贷款案例,结合自己在恒丰银行的暑期实习经历和相关商业银行贷款管理知识,按照恒丰银行对中长期贷款业务的一贯分析和操作流程,构建了恒丰银行对HY集团贷款的整个过程。并通过该过程,找出恒丰银行贷款业务中存在的关于贷款风险评估、贷款定价、业务拓展以及客户选择标准等方面的问题,最后对这些问题一一提出了相关的改进建议。这不仅对于恒丰银行完善贷款业务,提升其盈利能力,增强其在激烈市场中的竞争力有很重要的意义,而且对于目前我国存在的广大中小股份制商业银行都有普遍的借鉴意义。本文的主要创新之处在于： 1.文章选取恒丰银行这个较为年轻的中小股份之制银行作为研究对象,进行案例分析,这对目前我国广大中小银行具有很强的针对性和借鉴意义。 2.文章运用案例分析法,选取恒丰银行贷款业务中的实际案例进行分析,紧密贴合现实,使文章更具可靠性和真实性。
[Abstract]:The development of the banking industry has experienced a long process, with the continuous development of the economy, people present a variety of financial needs, banking business in the initial deposit, loan, remittance on the basis of continuous enrichment and development.However, the source of funds is the premise of the use of funds, the bank's traditional deposit and loan business is always the basis of the development of banks.At the same time, loan business plays an important role in bank asset business, which determines the management of loans should not be neglected.It's all the more important.This article uses the case analysis method, first selects the Hengfeng bank to the HY group loan case, unifies oneself in the Hengfeng bank summer vacation internship experience and the correlation commercial bank loan management knowledge,According to the consistent analysis and operation flow of Hengfeng Bank's medium and long term loan business, the whole process of Hengfeng Bank's loan to HY Group is constructed.Through this process, we find out the problems of loan risk assessment, loan pricing, business expansion and customer selection criteria in the loan business of Hengfeng Bank. Finally, we put forward some suggestions to improve these problems one by one.This is not only of great significance for Hengfeng Bank to improve its loan business, enhance its profitability and enhance its competitiveness in the fierce market, but also has universal reference significance for the vast number of small and medium-sized joint-stock commercial banks existing in our country at present.The main innovations of this paper are:1.This paper selects Hengfeng Bank, a relatively young medium and small stock bank, as the research object, and analyzes the case, which has strong pertinence and reference significance for the majority of small and medium-sized banks in our country at present.2.This paper uses the case analysis method, selects the Hengfeng bank loan business actual case to carry on the analysis, closely matches the reality, causes the article to be more reliable and the authenticity.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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