企业财务指标与银行授信审批决策的关系研究
发布时间：2019-05-22 05:25
【摘要】：商业银行授信审批工作一直是银行风险管理的关键决策步骤，需要经过长年积累经验得出实际工作的经验值，才能对审批工作给出快速准确的审批意见。随着社会经济环境的快速变化，，金融产品的不断创新，金融产品的交易规则设定越来越复杂，风险管理工作的难度也随之增加，审批手段及工具需要随时不断提高来应对新的变化。企业的财务数据越来越公开化，越来越被商业银行所重视。但是，企业财务数据在审批阶段是否起到很重要的作用，是否与审批结论有着紧密的关联，在贷后监控能否起到风险控制的效果。这些问题在实际工作中经常遇到，并容易因此而受到困惑。本文以某商业银行为例比较分析企业财务数据与审批结论之间的关系，并通过分析授信流程及各环节使用的分析手段，讨论财务数据在审批过程中的重要性，通过统计方法验证说明商业银行审批管理工作系统性及科学性。
[Abstract]:Credit examination and approval of commercial banks has always been a key decision-making step of bank risk management. It is necessary to accumulate experience for many years to obtain the experience value of actual work in order to give rapid and accurate examination and approval opinions for the examination and approval work. With the rapid change of social and economic environment and the continuous innovation of financial products, the setting of transaction rules for financial products is becoming more and more complex, and the difficulty of risk management is also increasing. Examination and approval means and tools need to be constantly improved to deal with new changes. The financial data of enterprises are becoming more and more open and paid more and more attention by commercial banks. However, whether the enterprise financial data plays a very important role in the examination and approval stage, whether it is closely related to the examination and approval conclusion, and whether the monitoring can play the effect of risk control after loan. These problems are often encountered in practical work and are easily confused. This paper takes a commercial bank as an example to compare and analyze the relationship between enterprise financial data and examination and approval conclusions, and discusses the importance of financial data in the examination and approval process by analyzing the credit process and the analytical means used in each link. Through statistical methods, it is proved that the examination and approval management of commercial banks is systematic and scientific.
【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】：F832.4;F275
本文编号：2482715
[Abstract]:Credit examination and approval of commercial banks has always been a key decision-making step of bank risk management. It is necessary to accumulate experience for many years to obtain the experience value of actual work in order to give rapid and accurate examination and approval opinions for the examination and approval work. With the rapid change of social and economic environment and the continuous innovation of financial products, the setting of transaction rules for financial products is becoming more and more complex, and the difficulty of risk management is also increasing. Examination and approval means and tools need to be constantly improved to deal with new changes. The financial data of enterprises are becoming more and more open and paid more and more attention by commercial banks. However, whether the enterprise financial data plays a very important role in the examination and approval stage, whether it is closely related to the examination and approval conclusion, and whether the monitoring can play the effect of risk control after loan. These problems are often encountered in practical work and are easily confused. This paper takes a commercial bank as an example to compare and analyze the relationship between enterprise financial data and examination and approval conclusions, and discusses the importance of financial data in the examination and approval process by analyzing the credit process and the analytical means used in each link. Through statistical methods, it is proved that the examination and approval management of commercial banks is systematic and scientific.
【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】：F832.4;F275
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