ZX银行信贷风险管控策略研究

发布时间：2018-07-10 03:04

本文选题：ZX银行 + 信贷管理　；参考：《辽宁大学》2012年硕士论文

【摘要】：信贷业务对于我国商业银行的经营发展起到至关重要的作用,商业银行的收入有一半以上是通过贷款利息收入实现的。同时,在于贷款客户沟通过程中,加深了银行与客户之间的联系,帮助于银行在其他业务方面得以拓展,提高银行的竞争力。信贷业务对于银行的综合贡献度如此之大,提高信贷资产的质量降低信贷风险更是重中之重。然而,影响信贷质量的因素也有很多,既有外部因素的影响也有银行自身的原因。银行为实现其经济效益目标健康稳定发展,加强信贷管理是极其必要也是至关重要的手段。本文从银行的角度,结合本人的实际工作,对ZX银行信贷的管理现状进行了分析研究。第一,阐述了选题的背景和意义并案例进行了描述。第二,介绍了信贷管理中涉及的相关的理论,提出了问题研究的必要性。第三,重点对ZX银行信贷风险的成因及管控现状进行了分析研究。最后运用定量分析与定性分析相结合、综合分析、理论联系实际等研究方法,提出了优化信贷风险管控的对策和建议。随着现在银行业市场竞争的日趋激烈和信贷业务的不断发展,ZX银行现行信贷管理体制不能完全适应当前信贷业务发展实际,提高风险管理能力完善现有的信贷管理体制是十分必要的。本文结合ZX银行信贷管理现状,希望通过对ZX银行存在问题和对策的研究,为ZX银行信贷体制、风险体制的进一步优化改造实践和ZX银行信贷管理水平的提高提供有参考价值的对策和建议。
[Abstract]:Credit business plays a vital role in the management and development of commercial banks in China. More than half of the income of commercial banks is realized through interest income on loans. At the same time, in the process of loan customer communication, it deepens the relationship between banks and customers, helps banks to expand in other aspects of business, and improves the competitiveness of banks. The comprehensive contribution of credit business to banks is so great that it is important to improve the quality of credit assets and reduce credit risk. However, there are many factors affecting credit quality, both external factors and banks themselves. In order to realize the healthy and stable development of economic benefits, it is necessary and important for banks to strengthen credit management. In this paper, from the perspective of the bank, combined with my actual work, ZX bank credit management status is analyzed and studied. First, the background and significance of the topic are expounded and the case is described. Secondly, it introduces the related theories in credit management, and points out the necessity of research. Thirdly, it analyzes the causes of credit risk and the current situation of management and control in ZX Bank. Finally, by combining quantitative analysis with qualitative analysis, comprehensive analysis, combining theory with practice and other research methods, this paper puts forward some countermeasures and suggestions for optimizing credit risk management. With the increasingly fierce competition in the banking market and the continuous development of credit business, the current credit management system of ZX Bank can not fully adapt to the actual development of current credit business. It is necessary to improve the risk management ability and improve the existing credit management system. According to the present situation of credit management in ZX Bank, this paper hopes to study the existing problems and countermeasures of ZX Bank, so as to study the credit system of ZX Bank. The practice of further optimization and reform of risk system and the improvement of credit management level of ZX Bank provide valuable countermeasures and suggestions.
【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

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