中国工商银行内蒙分行营业部信贷结构优化研究

发布时间：2018-10-23 07:07

【摘要】：我国商业银行最主要的业务是信贷业务,信贷资金的投向是否合理高效决定了商业银行信贷业务能否健康平稳发展。商业银行的经营原则要求其在追求利益的同时,还要保证信贷资产的安全性和流动性,信贷资源的过度集中,使得信贷结构不平衡,导致信贷资金出现风险隐患。因此,不断优化信贷结构,合理分配信贷资源是目前我国商业银行必须面临的一个问题。宏观经济因素决定必须调整信贷结构,同时,调整信贷结构也是是我国商业银行自身经营发展的客观需要。随着社会经济的不断发展,商业银行的信贷经营环境和经营方针也在不断发生变化,因此,主动从低效信贷市场进入高效信贷市场,逐步优化信贷结构,从主观上把信贷风险控制在源头,以适应目前的经济形势下,从而促进商业银行信贷业务的发展,使我国商业银行可持续发展。合理、有效的信贷结构可以在一定程度上防范和控制信贷风险的发生,从而使信贷资产的质量提高,使银行的经营效益增加。因此,优化信贷结构是商业银行提高资产质量、增加收益的必经之路,也是各商业银行为了在激烈的银行业竞争中能有一席之地而进行的重要措施,只有这样,各商业银行才能快速、稳健的发展。从中国工商银行的现状看,信贷资源过度集中在部分行业、部分领域,部分高端客户使得信贷结构局部失衡,形成潜在的或现实的结构性信贷风险。这些信贷风险实质上是对信贷结构管理认识不足所导致的。本论文将通过对信贷资金结构的现状及其发展进行研究,分析出现阶段中国工商银行内蒙分行营业部信贷结构存在的问题,并针对这些问题提出一些建议。由表及里,由小见大,通过对中国工商银行内蒙分行营业部信贷结构的分析和研究,有助于我们对中国的信贷资金结构状况有一个全面、深入地认识,同时对我国商业银行的信贷业务有一个更加深入地了解。
[Abstract]:The most important business of commercial banks in China is credit business. Whether the investment of credit funds is reasonable and efficient determines whether the credit business of commercial banks can develop healthily and smoothly. The management principle of commercial banks requires that while pursuing benefits, they should also ensure the security and liquidity of credit assets and the excessive concentration of credit resources, which make the credit structure unbalanced and lead to the risk risks of credit funds. Therefore, to optimize the credit structure and allocate credit resources rationally is a problem that our commercial banks must face. Macroeconomic factors determine that the credit structure must be adjusted, and at the same time, the adjustment of the credit structure is also the objective need of the development of commercial banks in our country. With the development of social economy, the credit management environment and management policy of commercial banks are constantly changing. Therefore, we should take the initiative from inefficient credit market to efficient credit market, and gradually optimize the credit structure. In order to adapt to the current economic situation, we can control the credit risk at the source subjectively, thus promote the development of the credit business of the commercial bank and make the commercial bank of our country develop sustainably. A reasonable and effective credit structure can prevent and control the occurrence of credit risk to a certain extent, so as to improve the quality of credit assets and increase the operating efficiency of banks. Therefore, optimizing credit structure is the only way for commercial banks to improve asset quality and increase returns, and is also an important measure for commercial banks to have a place in the fierce banking competition. Each commercial bank can develop quickly and steadily. From the current situation of Industrial and Commercial Bank of China, credit resources are excessively concentrated in some industries, some areas, some high-end customers make the credit structure partial imbalance, forming potential or real structural credit risk. These credit risks are essentially caused by insufficient understanding of credit structure management. Through the research on the present situation and development of the credit fund structure, this paper analyzes the problems existing in the credit structure of the Inner Mongolia branch of ICBC and puts forward some suggestions for these problems. From outside to inside, from small to small, through the analysis and study of the credit structure of the Inner Mongolia branch of the Industrial and Commercial Bank of China, it is helpful for us to have a comprehensive and in-depth understanding of the structure of credit funds in China. At the same time, there is a deeper understanding of the credit business of commercial banks in China.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

【参考文献】