中国农业发展银行集团客户信贷风险管理研究

发布时间：2018-04-16 00:32

本文选题：集团客户 + 信贷风险　；参考：《浙江工业大学》2014年硕士论文

【摘要】：集团企业是现代企业发展的高级形式,集团化也是目前世界上企业发展的趋势。近年来,集团企业越来越成为银行青睐的授信对象,这是由集团企业的特点和银行追求收益的经营动机共同决定的。与一般企业相比企业集团的特点包括：规模大、实力雄厚、竞争力强、资信等级较高。企业集团的优势和特点使之成为商业银行青睐的授信对象,而集团企业也成为银行信贷风险的主要聚集点。因此,分析集团客户的信贷风险特征,加强集团客户信贷风险管理对于银行来说显得尤为重要。在以上研究背景下,本文对银行集团客户信贷风险管理问题进行研究。为了避免本文陷入毫无现实意义的理论分析陷阱,本人采用了案例分析的方法。农业发展银行是我国唯一的一家农业政策性银行,主要职责是按照国家的法律、法规和方针、政策,以国家信用为基础,筹集资金,承担国家规定的农业政策性金融业务,代理财政支农资金的拨付,为农业和农村经济发展服务。与一般商业银行相比,政策性银行由于需承担一定的社会职能,使其更易积累对集团客户的信贷风险。因此,本文中国农业发展银行的案例研究更加具有代表性。通过研究,本文主要得出以下结论。首先,经过对现有成果的研究和归纳,本文认为,与单一企业客户相比,集团客户的信贷风险存在不确定性更强、潜伏期更长、金额巨大,可控性差、风险与收益不对称、风险的传染性更强的特点。另外,集团客户信贷风险管理的难点还表现在贷前尽职调查难度较高、银行跨区域协作与问责机制建立较为繁杂、贷后风险监管难度较高等方面。其次,农发行集团客户信贷业务增长迅速,集团客户信贷风险累积迅速；同时,集团客户信贷风险行业集中度较高,国有企业所占比重较高,公司治理相对落后。再次,就农发行集团客户信贷风险管理现状来看,存在信贷管理体制不科学,贷前集团客户身份识别率低,贷中信用评级体系建设不科学、企业资料鉴别程度低、授信方案设计单一,贷后风险监测联动机制不健全,风险预警机制缺乏等问题。通过对以上问题的剖析,本文从信贷风险管理流程的各阶段着手,对农业发展银行集团客户信贷风险的管理提出具有针对性的改进方案和措施。
[Abstract]:Group enterprise is the advanced form of modern enterprise development, and collectivization is also the trend of enterprise development in the world.In recent years, group enterprises have become more and more favored by the banks, which is determined by the characteristics of the group enterprises and the operating motivation of the banks in pursuit of income.Compared with general enterprises, the characteristics of enterprise groups include: large scale, strong strength, strong competitiveness, high credit rating.The advantages and characteristics of enterprise group make it the favored credit object of commercial banks, and group enterprises also become the main gathering point of bank credit risk.Therefore, it is very important for banks to analyze the characteristics of group customers' credit risk and strengthen the management of group customers' credit risk.Under the above research background, this paper studies the bank group customer credit risk management.In order to avoid falling into the trap of theoretical analysis without practical significance, I adopted the method of case analysis.The Agricultural Development Bank is the only agricultural policy bank in China. Its main responsibility is to raise funds on the basis of state credit in accordance with the laws, regulations and policies of the state, and to undertake the agricultural policy-oriented financial business as prescribed by the state.The appropriation of fund of acting finance supports agriculture, serve for agriculture and rural economy development.Compared with general commercial banks, policy banks have to assume certain social functions, which makes it easier to accumulate credit risk to group customers.Therefore, the case study of the Agricultural Development Bank of China is more representative.Through the research, this paper mainly draws the following conclusions.First of all, through the research and induction of the existing results, this paper holds that the credit risk of group customers is more uncertain, the incubation period is longer, the amount of money is huge, the controllability is poor, and the risk and income are asymmetrical, compared with the single enterprise customers.Risk is characterized by greater contagion.In addition, the difficulties of group customer credit risk management are the high difficulty of due diligence before loan, the complex establishment of inter-regional cooperation and accountability mechanism of banks, and the high difficulty of supervision of post-loan risk.Secondly, the credit business of Agricultural Development Bank Group grows rapidly and the credit risk of group customers accumulates rapidly; at the same time, the industry concentration of group customer credit risk is higher, the proportion of state-owned enterprises is higher, and the corporate governance is relatively backward.Thirdly, according to the current situation of credit risk management in Agricultural Development Bank Group, the credit management system is unscientific, the customer identification rate is low, the credit rating system construction is not scientific, and the degree of enterprise information identification is low.The design of credit scheme is single, the linkage mechanism of risk monitoring after loan is not perfect, and the risk warning mechanism is lacking.Through the analysis of the above problems, this paper starts with the various stages of the credit risk management process, and puts forward targeted improvement schemes and measures for the management of the customer credit risk of the Agricultural Development Bank Group.
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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