工商银行沈阳分行信贷风险管理现状及对策研究

发布时间：2018-04-27 16:29

本文选题：风险管理 + 风险预警管理系统　；参考：《吉林大学》2012年硕士论文

【摘要】：本文首先阐释了信贷风险的概念及特征，论述了信贷风险管理的内容和信贷风险的分类，分析了我国国有商业银行信贷风险的主要特征，然后本文进一步论述了我国国有商业银行信贷风险控制的方法。之后，本文分析了工商银行沈阳分行信贷风险管理的现状，介绍了工商银行沈阳分行信贷风险管理的基本情况，通过访谈的方法对工商银行沈阳分行信贷风险管理中的问题及其原因进行调研，最后针对工商银行沈阳分行信贷风险管理的问题及原因，提出了控制信贷风险管理的措施。本文主要得出了以下一些结论：第一，通过对工商银行沈阳分行信贷部门工作人员的访谈及实践调研分析，目前工商银行沈阳分行在贷前阶段主要存在专业的项目评估人员缺乏，忽视对客户的风险评价，评估工作存在片面和偏差的问题，审查借款人资格时把关不严。在贷中阶段，工商银行沈阳分行主要存在急于扩大市场份额而盲目发放贷款，过度看重贷款收益，忽视对第二还款来源的审查工作，不能迅速地落实贷款条件以及个别信贷人员职业道德意识有待提高。在贷后阶段，工商银行沈阳分行主要存在不了解客户还款力量的后期变化，落实担保手续不足，害怕不良贷款曝光，信贷档案管理不符合规定以及没有及时进行诉讼和开展行动等问题。第二，通过对工商银行沈阳分行信贷风险管理存在问题的原因分析可知，工商银行沈阳分行的信贷文化与社会主义市场经济不相符合，信用风险管理体系不科学，存在有法不依、执法不严的情况，银行的风险监控体系急需完善，基层存在无序竞争的情况以及借贷管理责任和权利意识不科学等原因。第三，面对工商银行沈阳分行信贷风险管理的问题及原因，工商银行沈阳分行应构建信贷风险管理的综合管理机制，，实施综合风险管理，再造信用风险管理的组织与流程体系，构建优秀的信贷文化，建立科学的业绩奖惩机制以及优化信贷风险预警管理系统。
[Abstract]:This paper first explains the concept and characteristics of credit risk, discusses the content of credit risk management and the classification of credit risk, and analyzes the main characteristics of credit risk of state-owned commercial banks in China. Then this paper further discusses the methods of credit risk control of state-owned commercial banks in China. Then, this paper analyzes the current situation of credit risk management of ICBC Shenyang Branch, and introduces the basic situation of ICBC Shenyang Branch Credit risk Management. This paper investigates the problems and causes of credit risk management in Shenyang Branch of ICBC by means of interview, and finally puts forward some measures to control credit risk management in view of the problems and causes of credit risk management in Shenyang Branch of ICBC. The main conclusions of this paper are as follows: First, through the interview and practice analysis of the credit department staff of the Shenyang Branch of ICBC, it is found that at present ICBC Shenyang Branch mainly lacks of professional project evaluators in the pre-loan stage, neglecting the risk assessment of the customers. Evaluation work has the problem of one-sided and deviation, the examination borrower qualification is not strict. In the middle of the loan period, the Shenyang branch of ICBC has mainly blindly issued loans in a hurry to expand its market share, overemphasizing the loan returns and neglecting the examination of the second repayment source. The lack of prompt implementation of loan terms and professional ethics awareness of individual credit personnel needs to be improved. In the post-loan phase, the Shenyang branch of ICBC mainly has a late change that does not understand the strength of the customer's repayment. The implementation of the guarantee procedures is inadequate, and it is afraid of exposure of non-performing loans. Credit file management is not in accordance with the regulations and failure to carry out litigation and action in time, and so on. Second, by analyzing the causes of the problems in the credit risk management of ICBC Shenyang Branch, we can see that the credit culture of ICBC Shenyang Branch is not in accordance with the socialist market economy, and the credit risk management system is not scientific. There are some reasons such as not obeying the law and not strictly enforcing the law, the bank's risk monitoring system is in urgent need of perfection, the situation of disorderly competition exists at the grass-roots level, and the responsibility of loan management and the consciousness of right are not scientific, and so on. Third, faced with the problems and reasons of credit risk management in Shenyang Branch of ICBC, ICBC Shenyang Branch should construct a comprehensive management mechanism of credit risk management, implement comprehensive risk management, and rebuild the organization and process system of credit risk management. Construct excellent credit culture, establish scientific performance reward and punishment mechanism and optimize credit risk early warning management system.
【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】：F832.4

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