中行盘锦分行华美授信项目风险管理案例

发布时间：2018-04-16 01:29

本文选题：银行授信 + 项目风险　；参考：《大连理工大学》2012年硕士论文

【摘要】：银行授信业务是银行向企业客户提供资金贷款支持,在国民经济发展中具有重要的推动作用。授信业务的开展面临着较大风险,宏观环境、市场环境和制度环境等都会对授信业务的发展造成影响。目前,银行都纷纷出台了授信风险管理的相关制度,但在实践操作中的贯彻与推进仍存在较多问题。本文按照案例论文的写作思路,文章结构可以概括为提出问题——分析问题——解决问题：提出问题部分主要在对中行盘锦分行华美授信项目的开展过程研究基础上进行。从华美授信项目的提出,到华美授信项目申报中遇到挫折,再到首次评审报告未通过,除了华美集团的原因之外,项目风险管理中存在着重要的漏洞,忽视了对管理经营风险因素、市场预测与评估、融资需求与还款意愿、融资担保能力等重要风险因素的考察。问题分析部分主要从三个方面展开：首先,借助对授信项目风险管理的理论基础的回顾,明确了授信项目风险管理的内涵、主要内容及管理过程；其次,从政策环境、制度环境、市场环境、融资环境四个方向对华美授信风险问题的产生进行了影响研究,阐述分析了对于以上华美授信项目风险问题重视的原因和必要性；此外,本文探究了中行盘锦分行对于授信项目风险管理的制度规定,再次为华美授信项目风险管理中存在的问题的分析与解决提供了依据。问题解决部分不仅为华美授信项目中发现的风险问题提出了针对性的解决方案,还以华美授信项目风险管理为基础提出了管理性优化建议。一方面,华美授信风险问题的解决从强化治理机制与发展战略分析、强化行业风险与市场发展分析、强化资金缺口与还款意愿分析、强化融资担保综合评估分析四个方面展开论述；另一方面,从完善授信风险管理机制、优化授信风险管理组织体系、引进高素质多技能人才和培养优秀的授信风险管理文化四个角度对授信项目的风险管理提出优化策略。本文的研究取材于实践案例,案例中反映的问题是目前授信风险管理中较为普遍的。借助理论分析与案例探讨,本文给出了针对性的解决方案和优化管理措施,不仅进一步完善了授信风险管理理论,更为重要的是,对于我国银行授信风险管理实践提供了有意义的参考与借鉴。
[Abstract]:The bank credit business is the bank provides the capital loan support to the enterprise customer, has the important promotion function in the national economy development.The development of credit business is faced with great risks, such as macro environment, market environment and system environment, all of which have an impact on the development of credit business.At present, banks have introduced the credit risk management system, but in practice there are still many problems in the implementation and promotion.According to the thinking of the case paper, the structure of the article can be summarized as putting forward the problem-analyzing the problem-solving the problem.The part of the question is mainly based on the research on the development process of Bank of China Panjin Branch Huamei Credit Project.From the proposal of the Huamei credit project to the setbacks encountered in the application of the Huamei credit project, and to the failure of the first review report, in addition to the reasons for Huamei Group, there are important loopholes in the project risk management.Some important risk factors, such as management risk factors, market forecast and evaluation, financing demand and repayment willingness, financing guarantee ability, are neglected.First, with the review of the theoretical basis of credit project risk management, the connotation, main content and management process of credit project risk management are clarified. Secondly, from the policy environment, the paper makes clear the connotation, the main content and the management process of the credit project risk management.The system environment, the market environment and the financing environment have carried on the influence research to the Huamei credit risk question, elaborated the analysis to the above Huamei credit project risk question attention reason and the necessity; in addition,This paper probes into the system regulation of risk management of credit project in Bank of China Panjin Branch again provides the basis for the analysis and solution of the problems existing in the risk management of Huamei credit project.In the part of problem solving, not only the risk problem found in Huamei credit project is solved, but also the management optimization suggestion is put forward based on the risk management of Huamei credit project.On the one hand, the solution to the credit risk problem of Huamei is to strengthen the analysis of governance mechanism and development strategy, the analysis of industry risk and market development, and the analysis of fund gap and repayment willingness.On the other hand, from perfecting the credit risk management mechanism, optimizing the credit risk management organization system,From the four angles of introducing high-quality multi-skill talents and cultivating excellent credit risk management culture, the paper puts forward the optimization strategy for risk management of credit projects.The research in this paper is based on practical cases, the problems reflected in the case is relatively common in credit risk management.With the help of theoretical analysis and case study, this paper gives a targeted solution and optimization management measures, which not only further improve the theory of credit risk management, but also more importantly,It provides a meaningful reference for the practice of bank credit risk management in China.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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