J银行授信审批流程改进方案研究

发布时间：2018-04-03 21:25

本文选题：商业银行　切入点：授信评审　出处：《吉林大学》2014年硕士论文

【摘要】：国内商业银行的市场经济体系趋于成熟，外资银行的加入，使国内银行承受着复杂的市场环境和同行业竞争的压力。如果不及时提高信贷管理水平，信贷资产质量一定得不到改善，将形成一个更大的金融风险，直接损害了国民经济的健康发展。目前，新资本协议框架下，国内外银行已全面推广和实施风险管理，国内大多数商业银行已经建立了自己的风险管理组织结构。为了充分协调风险管理和业务发展的关系，各大商业银行以流程再造为基础来改善业务流程中的风险管理的重要性。商业银行面临的主要风险是商业银行信贷风险，中国商业银行伴随着市场经济的发展，已然逐渐走向繁荣的景象，四大国有银行与新兴股份制银行为了抢占行业竞争市场的份额，不断地努力巩固和发展自己，不断地提升核心竞争力，对企业流程管理的再造是企业自身实现科学管理，健康发展的重要手段。如使自己在日益激烈的竞争中立于不败之地，是当前城市商业银行面临的关键问题。本文以J银行为研究对象，结合国内外的先进的经营理念及授信评审流程进行了研究，以商业银行营销的定义为根本，以金融市场为导向，从满足客户的需求出发，利用自身的资源优势，运用整体的综合管理，把银行产品和服务理念销售给客户，以实现与客户互利双盈的目标。本文共分为六章。第一章介绍了本文的研究背景、研究意义、研究总体思路和框架。第二章介绍了商业银行授信风险管理及流程再造相关理论，介绍了商业银行授信风险的相关理论，当前我国商业银行授信风险管理的主要问题，，介绍了业务流程再造研究的相关理论。以飞梭空调的贷款实例介绍了一笔贷款生命周期及风险点。第三章以J银行为实例，对J银授信业务评审流程现状进行了分析。第四章从体系到流程，重新制定了授信评审流程改进方案，并预计新审批流程的实施效果。第五章根据正确的经营理念提出授信审批流程的安全措施。第六章总结全文，得出结论，指出了本文的研究价值与未来展望。
[Abstract]:The market economy system of the domestic commercial banks tends to mature, and the foreign banks join, which makes the domestic banks bear the pressure of the complicated market environment and the competition of the same industry.If the level of credit management is not improved in time, the quality of credit assets will not be improved, which will form a greater financial risk and directly damage the healthy development of the national economy.At present, under the framework of the new capital agreement, domestic and foreign banks have fully promoted and implemented risk management, and most domestic commercial banks have established their own risk management organization structure.In order to fully coordinate the relationship between risk management and business development, it is important for commercial banks to improve risk management in business processes on the basis of process reengineering.The main risk faced by commercial banks is the credit risk of commercial banks. With the development of market economy, Chinese commercial banks have gradually moved towards prosperity.In order to seize the market share of the industry competition, the four major state-owned banks and the new joint-stock banks constantly strive to consolidate and develop themselves and constantly enhance the core competitiveness. The reengineering of the enterprise process management is the scientific management of the enterprise itself.An important means of healthy development.If we make ourselves in an invincible position in the increasingly fierce competition, it is the key problem facing the city commercial banks.This article takes J Bank as the research object, combines the domestic and foreign advanced management idea and the credit approval process to carry on the research, takes the commercial bank marketing as the basic, takes the financial market as the direction, starts from satisfies the customer's demand.Using its own resource advantage, using the overall comprehensive management, the bank products and service concept will be sold to customers, in order to achieve the goal of mutual benefit with customers.This paper is divided into six chapters.The first chapter introduces the research background, research significance, research ideas and framework.The second chapter introduces the related theories of credit risk management and process reengineering of commercial banks, introduces the relevant theories of credit risk of commercial banks, and the main problems of credit risk management of commercial banks in China.The related theory of BPR is introduced.This paper introduces the life cycle and risk point of a loan with the example of Air-Conditioner loan.The third chapter takes J Bank as an example to analyze the current status of J Bank credit business review process.Chapter four, from system to process, reformulates the scheme of credit review process improvement, and predicts the effect of the new approval process.The fifth chapter puts forward the safety measures of the credit approval process according to the correct management idea.Chapter six summarizes the full text, draws a conclusion, and points out the research value and future prospect of this paper.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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