济宁银行信贷文化的建立及其发展探讨
发布时间：2018-10-17 10:23
【摘要】：城市商业银行（Urban commercial banks）作为中国银行业一个年轻的特殊群体，历经坎坷，基本实现了由可生存向可持续发展的重大转变，逐渐成长为银行体系中最具活力和竞争力的群体，，其社会地位和作用日益显现和提升。而信贷业务作为商业银行最传统的、最核心的、最赋竞争力的业务之一，风险管理一直是其生命线。虽然城市商业银行已经意识到信贷风险管理的重要性，但由于历史和体制的原因，尚未形成具有自身特色的信贷文化，风险管理文化建设相对国有银行和全国型股份制商业银行明显滞后，如何培育适应城市商业银行发展的、具有城市商业银行特色的风险管理文化已经成为摆在各家城市商业银行面前必须重视的一个大问题。本文运用企业文化和管理学的理论，通过分析信贷风险管理文化的建立、内涵和作用，提出了构建城市商业银行信贷风险管理文化的理念，希望能够有助于促进城市商业银行这一特殊群体风险管理体系的高效运行，帮助其更好地适应市场经济的发展，提高市场竞争力。
[Abstract]:As a young and special group in China's banking industry, Urban Commercial Bank (Urban commercial banks) has basically realized the major transformation from survival to sustainable development, and has gradually grown into the most dynamic and competitive group in the banking system. Its social status and role are increasingly apparent and promoted. As one of the most traditional, core and competitive business of commercial banks, risk management has always been its lifeline. Although city commercial banks have realized the importance of credit risk management, due to historical and institutional reasons, they have not yet formed a credit culture with their own characteristics. Compared with state-owned banks and national joint-stock commercial banks, the construction of risk management culture is obviously lagging behind. How to cultivate and adapt to the development of urban commercial banks, The risk management culture with the characteristics of city commercial banks has become a big problem which must be paid attention to in front of each city commercial bank. By analyzing the establishment, connotation and function of credit risk management culture, this paper puts forward the idea of constructing credit risk management culture of city commercial bank by using the theory of enterprise culture and management. It is hoped that it can help to promote the efficient operation of the special group risk management system of the city commercial bank, help it better adapt to the development of the market economy and improve the market competitiveness.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4
本文编号：2276353
[Abstract]:As a young and special group in China's banking industry, Urban Commercial Bank (Urban commercial banks) has basically realized the major transformation from survival to sustainable development, and has gradually grown into the most dynamic and competitive group in the banking system. Its social status and role are increasingly apparent and promoted. As one of the most traditional, core and competitive business of commercial banks, risk management has always been its lifeline. Although city commercial banks have realized the importance of credit risk management, due to historical and institutional reasons, they have not yet formed a credit culture with their own characteristics. Compared with state-owned banks and national joint-stock commercial banks, the construction of risk management culture is obviously lagging behind. How to cultivate and adapt to the development of urban commercial banks, The risk management culture with the characteristics of city commercial banks has become a big problem which must be paid attention to in front of each city commercial bank. By analyzing the establishment, connotation and function of credit risk management culture, this paper puts forward the idea of constructing credit risk management culture of city commercial bank by using the theory of enterprise culture and management. It is hoped that it can help to promote the efficient operation of the special group risk management system of the city commercial bank, help it better adapt to the development of the market economy and improve the market competitiveness.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4
【参考文献】
相关期刊论文 前10条
1 高同裕;试论先进的信贷文化的内涵[J];南方金融;2003年09期
2 董华;;谈如何树立正确的风险管理理念[J];经营管理者;2010年13期
3 吕治水;黄滨;;我国企业文化建设研究[J];经济师;2006年02期
4 袁天舒;;积极培育信贷风险文化发展的良好环境[J];现代金融;2006年10期
5 张新霞;;建设信贷合规文化 促进业务有效发展[J];现代金融;2007年04期
6 范震;;对当前银行信贷风险的认识及思考[J];经济师;2011年03期
7 全贵松 ,王涛;信贷文化的转型[J];农村金融研究;2004年01期
8 袁天舒;;如何加强信贷风险文化建设[J];现代金融;2007年06期
9 王佳涛;;农发行信贷文化的内涵及践行建议[J];农业发展与金融;2010年11期
10 刘奔腾;陶建华;;推进信贷文化建设要树立“四种理念”[J];农业发展与金融;2010年12期
本文编号：2276353
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2276353.html
