齐鲁银行骗贷案案例分析

发布时间：2018-05-09 10:48

本文选题：城市商业银行 + 内部控制　；参考：《辽宁大学》2014年硕士论文

【摘要】：城市商业银行是我国银行业的一个重要组成部分,它是在20世纪80年代成立的城市信用社基础上发展产生的。城市商业银行的业务主要定位于“服务城市居民,为市民提供便利的金融服务；服务中小企业,为其提供金融支持；服务当地经济,为地方经济发展铺路搭桥”。所以说,在金融业日渐自由化和多样化的今天,保持我国城市商业银行正常且稳定的经营和发展显得尤为重要。但是,近年来随着我国银行业的高速发展,不断加剧的同业竞争压力和银行业务的持续创新迫使追求做强做大的城市商业银行面临更为复杂的挑战。这致使很多城商行受到利益的驱使,走上了盲目扩张的道路,只注重业务发展而忽略对其内部控制水平的管理,很容易诱发各种扩张病。一旦其风险防控能力无法与其规模的扩张程度相匹配,就会导致潜在风险的加剧。在这种情况下,就很容易给不法分子钻银行内控缺失空子进而作案的机会,类似案件近几年频繁发生。例如贵阳商业银行骗贷案、渤海银行骗贷案以及齐鲁银行骗贷案,导致案件爆发的因素相对复杂,但内控工作不严谨是致使这些案件发生的主要因素。有效的内部控制是城市商业银行安全稳步经营的前提,抓好内控管理是银行得以持续经营、持续盈利的核心所在。我们必须加强对城市商业银行内部控制能力的完善与提高,以此面对来自银行内部外部的各种风险,有效控制可能趋于扩大的各类风险。为保证城市商业银行维持良好的运营状态,更好地为我国金融业服务,深入分析和研究我国商业银行的内控问题就具有非常重要的意义。本文以在2010年底被披露出来的齐鲁银行骗贷案为例,对该案件的发生过程进行详细介绍,针对由该案件暴露出来的齐鲁银行各种内部控制问题展开分析与研究。本文共分为四个章节,首先是绪论部分,主要包括论文的研究背景和研究意义、相关文献综述、研究思路和方法以及本文的创新之处。第一章是案例介绍部分,首先对齐鲁银行的概况进行介绍；其次对齐鲁银行骗贷案的发生过程、处理过程进行了详细阐述；最后对该案件给齐鲁银行造成的影响以及对我国整个银行业的启示进行分析。第二章主要是分析由齐鲁银行骗贷案揭示出来的银行内控问题。第三章是就我国城市商业银行暴露出来的内控问题提出几点对策及建议。
[Abstract]:City commercial bank is an important part of China's banking industry, which was developed on the basis of city credit cooperative established in 1980's. The business of city commercial banks is mainly focused on "serving urban residents, providing convenient financial services for citizens, serving small and medium-sized enterprises, providing financial support for them, serving local economy and paving the way for local economic development". Therefore, in the financial industry gradually liberalization and diversification today, it is particularly important to maintain the normal and stable operation and development of urban commercial banks in China. However, with the rapid development of China's banking industry in recent years, the increasing pressure of interbank competition and the continuous innovation of banking business force the urban commercial banks to face more complex challenges. This causes many commercial banks to be driven by the interests of the blind expansion of the road, only pay attention to the development of business and ignore its internal control level of management, it is easy to induce a variety of expansion diseases. Once its risk prevention and control ability can not match its scale of expansion, it will lead to increased potential risk. In this case, it is easy to give the lawbreakers a chance to take advantage of internal controls and commit crimes, which have occurred frequently in recent years. For example, the cases of Guiyang Commercial Bank, Bohai Bank and Qilu Bank are relatively complicated, but the internal control is not strict. Effective internal control is the premise of safe and steady operation of city commercial banks. We must strengthen the perfection and improvement of the internal control ability of the city commercial banks in order to face all kinds of risks from the inside and outside of the banks and effectively control all kinds of risks which may tend to expand. In order to ensure the city commercial banks to maintain a good operating state and better serve the financial industry of our country, it is of great significance to deeply analyze and study the internal control problems of our country's commercial banks. Taking the Qilu bank loan fraud case disclosed in the end of 2010 as an example, this paper introduces the process of the case in detail, and analyzes and studies various internal control problems of Qilu Bank exposed by the case. This paper is divided into four chapters, the first part is the introduction, mainly including the research background and research significance, related literature review, research ideas and methods, as well as the innovation of this paper. The first chapter is the introduction of the case, firstly, the general situation of Qilu Bank; secondly, the occurrence process of Qilu Bank loan fraud, the process of handling it in detail. Finally, the impact of the case on Qilu Bank and the implications for the banking industry in China are analyzed. The second chapter mainly analyzes the bank internal control problems revealed by Qilu bank loan fraud case. The third chapter is to put forward some countermeasures and suggestions on the internal control problems exposed by the city commercial banks in our country.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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