SPF银行贷前风险控制存在的问题及对策研究

发布时间：2018-01-11 21:46

本文关键词：SPF银行贷前风险控制存在的问题及对策研究　出处：《山东理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：SPF银行是一家改革开放后新成立的商业银行，其现行的信贷风险管理体系借鉴了许多国有大银行和国外银行的成熟经验，具有一定的代表性，也存在许多问题。对SPF银行信贷风险管理中贷前风险控制的方法和手段进行探讨研究，，找出其中存在的问题，提出改进对策，可以提高SPF银行信贷风险管理贷前风险控制水平，促进SPF银行信贷业务健康稳定发展，并供其他商业银行借鉴。本文通过对SPF银行贷前风险控制全流程的跟踪调查，解析SPF银行现行贷前风险控制手段和管理方法，发现其中存在的问题。这些问题出现于SPF银行贷前风险控制的调查、审查、审批等各环节，各环节存在的问题又有不同的特点。SPF银行贷前风险控制组织架构不完善、绩效考核不合理也是造成这些问题的一方面原因。对于这些问题，本文进行了有针对性的分析，在充分借鉴国内外知名商业银行和研究机构在商业银行贷前风险控制方面的成熟经验和方法的基础上，探讨了改善SPF银行贷前风险控制的五个方面的对策。这些对策不但涵盖了出现问题的方方面面，还有所拓展创新。在这些对策中，针对SPF银行贷前风险控制中贷前审查环节存在的问题，初步构建起基于定性与定量结合分析法和层次分析法的标准贷前审查模型。该模型的建立，可以使SPF银行在贷前审查环节，充分利用模型分析与人工风险分析相结合的方法进行贷前审查。类似模型目前尚未在我国各商业银行中有见应用。该模型的应用可以大幅度地提高SPF银行贷前审查环节工作效率，降低实际操作中可能出现的人工失误，使贷前风险控制更加规范和科学。为了提高SPF银行贷前风险控制质量，本文提出了风险文化建设的新概念。SPF银行应该进行全行风险文化建设，只有形成全行人人关心风险、人人防范风险的良好风险文化氛围，才能从容应对风险。大凡一种管理体系，要随着管理对象的变化而变化，在持续改善中才能具有先进性。SPF银行在贷前风险控制管理方面也需如此。对SPF银行在贷前风险控制方面的探讨研究仍将继续。
[Abstract]:SPF Bank is a newly established commercial bank after the reform and opening up. Its current credit risk management system draws lessons from the mature experience of many large state-owned banks and foreign banks. There are also many problems. This paper probes into the methods and means of pre-loan risk control in SPF bank credit risk management, finds out the existing problems, and puts forward the improvement countermeasures. It can improve the risk control level before credit risk management of SPF bank, promote the healthy and stable development of credit business of SPF bank, and can be used for reference by other commercial banks. This paper analyzes the current SPF bank pre-loan risk control means and management methods by tracking and investigating the whole process of pre-loan risk control in SPF Bank. Find out the existing problems. These problems appear in the SPF bank pre-loan risk control investigation, review, approval and other links. The problems in each link also have different characteristics. The imperfect organizational structure of risk control before lending in SPF banks and the unreasonable performance appraisal are one of the reasons for these problems. For these problems, this article has carried on the targeted analysis, in the full reference domestic and foreign well-known commercial bank and the research institute in the commercial bank before the loan risk control aspect mature experience and the method foundation. This paper probes into five countermeasures to improve the risk control of SPF bank before lending. These countermeasures not only cover all aspects of the problems, but also expand and innovate. In these countermeasures, in view of the SPF bank pre-loan risk control in the pre-loan review of the existing problems. A standard pre-loan review model based on the combination of qualitative and quantitative analysis and Analytic hierarchy process (AHP) is initially constructed. The establishment of the model can make the SPF bank in the pre-loan review link. This paper makes full use of the method of combining model analysis with artificial risk analysis for pre-loan examination. The similar model has not yet been applied in commercial banks in China. The application of this model can greatly improve the lending of SPF banks. The efficiency of the former examination link. Reduce the human error that may appear in the actual operation, make the risk control before loan more standardized and scientific. In order to improve the quality of risk control before SPF bank loan, this paper puts forward a new concept of risk culture construction. Everyone to guard against the risk of a good risk culture atmosphere, in order to calmly deal with risk. A kind of management system should change with the change of management object. It is also necessary for the bank to be advanced in the continuous improvement. The research on the risk control of SPF bank before lending will continue.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.4

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