哈尔滨银行不良贷款管理研究

发布时间：2018-05-16 10:50

本文选题：HRB银行 + 不良贷款　；参考：《哈尔滨工业大学》2012年硕士论文

【摘要】：不良贷款问题是各金融机构共同面临的一个难点问题，在经济快速发展的今天，虽然银行的不良贷款实现双降，不良贷款率与不良贷款额呈现出历史的最好水平，但金融危机却如“幽灵”般伴随着整个金融市场的发展，金融系统的脆弱性再次体现出来，内外部不良贷款反弹压力进一步增大，严重影响了银行的健康发展。哈尔滨银行是一家刚刚实现跨区域经营向全国性股份制转型的商业银行。在不良贷款管理上借鉴了国有商业银行的改制经验，经过重组、剥离、转让等方式成功摆脱了历史不良贷款包袱，在近年取得了快速的发展。本文基于大量的实践和深入研究，从哈尔滨银行不良贷款业务管理入手，分析了其形成原因及国内外同业的清收处置模式，归纳总结了哈尔滨银行开展不良贷款业务管理上存在的问题与机遇，，从业务实际分析出发结合对国内银行资产保全部门工作流程的研究，结合商业银行的信息系统建设特点，提出了哈尔滨银行资产保全系统的解决方案，实现资产保全业务的规范化、标准化，并提出相关发展对策及建议，力求哈尔滨银行不良贷款业务管理工作实现健康有序的发展，为哈尔滨银行小额贷款特色业务提供有效的清收保障机制。
[Abstract]:The problem of non-performing loans (NPLs) is a difficult problem faced by all financial institutions. Today, with the rapid economic development, although the non-performing loans of banks have both fallen, the ratio of non-performing loans (NPLs) and the amount of non-performing loans (NPLs) have shown the best level in history. However, the financial crisis is accompanied by the development of the whole financial market, the fragility of the financial system is reflected again, and the rebound pressure on the internal and external non-performing loans is further increased, which seriously affects the healthy development of the banks. Harbin Bank is a commercial bank that has just realized a cross-regional operation to a national joint-stock system. In the management of non-performing loans, the experience of reforming state-owned commercial banks has been used for reference, and the historical burden of non-performing loans has been successfully removed by means of reorganization, stripping off and transfer, which has made rapid development in recent years. Based on a large number of practice and in-depth research, this paper analyzes the causes of the formation of the non-performing loan business management of Harbin Bank and the disposal mode of the domestic and foreign banks. This paper summarizes the problems and opportunities existing in the management of Harbin Bank's non-performing loan business, starting from the actual business analysis, combining with the research on the working process of the domestic bank asset preservation department, and combining with the characteristics of the commercial bank's information system construction. This paper puts forward the solution of Harbin bank asset preservation system, realizes the standardization and standardization of the asset preservation business, and puts forward the relevant development countermeasures and suggestions, in order to achieve the healthy and orderly development of the management of Harbin bank's non-performing loan business. Harbin Bank small loans for the characteristics of business to provide an effective payment protection mechanism.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【参考文献】