中国工商银行松原分行信用风险管理分析

发布时间：2018-11-28 14:43

【摘要】：金融全球化的发展使得资本在全球流通性大大增强，同时增加了金融市场的波动，进而银行经营过程中的不稳定因素变得多样复杂，随着中国加入世贸组织及金融业整体开放，我国商业银行受到的影响也会越来越明显。为了在竞争中立于不败之地，银行必须加强自身核心竞争力，，其中最关键的一点便是对信用风险的控制管理。按照新巴塞尔资本协议的要求，参考国外优秀商业银行在风险管理上的经验，改善我国商业银行信用风险管理体系是我国商业银行改革中的重中之重。 2011年中国的银行业不良贷款率和不良贷款余额保持双降趋势,其在信用风险管理能力上也得到提高。在取得成绩的同时,我们也必须认识到，从长远看我国银行业的发展仍然面临着诸多挑战，信用风险管理水平还有待进一步提升。因此，探讨我国商业银行信用风险管理具有重要现实意义。对于该如何改善我国商业银行信用风险管理体系，这正是目前需要探讨的问题。本文首先从现代信用风险管理的相关理论出发，对信用风险管理的概念及特征进行了简要的介绍，介绍了风险度量方法的发展历程，并分析了目前商业银行面临的信用风险问题出现的根源。接着介绍了中国工商银行松原分行的业务发展情况，并从中找到业务发展中信用风险管理存在的问题。随后通过研究工商银行松原分行信用风险管理现状，根据现状分析发现目前工商银行松原分行的信用风险依然严峻，然后指出当前我国商业银行在信用风险管理中存在内部治理不完善、监管体系不健全、信用评级有缺陷、管理技术落后和管理人才缺乏等问题，文章最后作者根据存在的问题对应提出优化工商银行松原分行信用风险管理的若干对策和建议。
[Abstract]:With the development of financial globalization, the global circulation of capital is greatly enhanced, and the volatility of financial market is increased, and the unstable factors in the course of banking management become various and complex. With China's accession to the WTO and the overall opening of the financial industry, The influence of our country commercial bank will also be more and more obvious. In order to remain invincible in the competition, banks must strengthen their core competitiveness, among which the key point is the control of credit risk management. According to the requirements of the New Basel Capital Accord and referring to the experience of foreign excellent commercial banks in risk management, improving the credit risk management system of Chinese commercial banks is the most important part in the reform of commercial banks in China. In 2011, China's non-performing loan ratio and non-performing loan balance maintained a double-dip trend, and its ability to manage credit risk also improved. At the same time, we must realize that the development of China's banking industry still faces many challenges in the long run, and the level of credit risk management needs to be further improved. Therefore, it is of great practical significance to discuss the credit risk management of commercial banks in China. How to improve the credit risk management system of Chinese commercial banks is the problem that needs to be discussed at present. Based on the theory of modern credit risk management, this paper introduces the concept and characteristics of credit risk management, and introduces the development course of risk measurement method. It also analyzes the root causes of the credit risk problems faced by commercial banks. Then it introduces the business development of ICBC Songyuan Branch and finds out the problems of credit risk management in the business development. Then, by studying the current situation of credit risk management in ICBC Songyuan Branch, according to the analysis of the current situation, we find that the credit risk of ICBC Songyuan Branch is still severe. Then it points out that there are some problems in the credit risk management of commercial banks in our country, such as imperfect internal governance, imperfect supervision system, defective credit rating, backward management technology and lack of managerial talents. Finally, the author puts forward some countermeasures and suggestions to optimize the credit risk management of ICBC Songyuan Branch according to the existing problems.
【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】：F832.2

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