建设银行吉林省分行信贷业务信用风险管理研究

发布时间：2018-05-20 02:07

本文选题：信贷业务 + 信用风险　；参考：《吉林大学》2014年硕士论文

【摘要】：在风险管理中，信用风险是现代商业银行面临的最突出、影响最深远的风险。我国银行业的主要特征是贷款业务占据银行资产业务的绝大部分，随之带来的信用风险也显得异常突出。建设银行吉林省分行的信贷业务信用风险管理一直以来都是关注的重点，随着全球对信用风险管理关注度的提高，信用风险管理逐渐成为备受瞩目的重点管理项目。本文以当今全球信用风险业务的现状为背景，以信用风险管理的相关理论为基奠，基于对建设银行吉林省分行信贷业务的分析，从信贷业务现状、信贷业务存在的信用风险问题、信用风险成因以及信用风险管理的对策四个方面入手，展开对建设银行吉林省分行的信贷业务信用风险管理的研究。建设银行吉林省分行信贷业务存在的信用风险问题主要是不良贷款率高，主要表现是：2011-2013年，，建设银行吉林省分行的不良贷款分别为0.51亿元、1.94亿元和5.37亿元，不良贷款率分别为0.05%、0.18%和0.45%；2014年一季度不良贷款6.24亿元，不良贷款率为0.51%，二季度不良贷款6.59亿元，比年初增加2504.86万元，不良贷款率为0.51%，由此可见，建设银行吉林省分行的不良贷款额及不良率均呈逐年攀高的趋势，成为信贷业务信用风险控制中的重点之一。建设银行吉林省分行信贷业务信用风险的成因来自于企业和银行两个方面。企业方面主要表现为企业违约，银行方面主要表现为信贷业务监管不健全、信贷资金投向不合理、信用风险管理机制不完善。其中信贷业务监管不健全主要表现在信贷业务贷前、贷中和贷后的管理上还存在漏洞，监管约束机制还不健全；信贷资金投向不合理主要是指信贷资金在行业、贷种及地域方面的投向不合理；信用风险管理制度不完善表现在信用风险管理观念、贷后管理、押品管理、审批程序专业化程度及过分依赖担保等方面还需要完善。针对建设银行吉林省分行的信用风险成因，本文给出相对应的建议，即建设信用风险度量模型（信用评级模型）、完善信用风险管理机制、完善贷前、贷中和贷后的信贷业务监管以及调整和优化信贷结构，包括调整资产结构、调整行业结构和调整产品结构等。
[Abstract]:In risk management, credit risk is the most prominent and far-reaching risk faced by modern commercial banks. The main characteristic of China's banking industry is that the loan business accounts for most of the bank assets business, and the credit risk brought by it is also very prominent. Credit risk management of China Construction Bank Jilin Branch has always been the focus of attention. With the increase of global attention to credit risk management, credit risk management has gradually become the focus of attention. Based on the current situation of global credit risk business and the related theories of credit risk management, this paper bases on the analysis of credit business in Jilin Branch of China Construction Bank, and analyzes the present situation of credit business. Starting with the credit risk problems, the causes of credit risk and the countermeasures of credit risk management, this paper studies the credit risk management of credit business in Jilin Branch of China Construction Bank. The main credit risk problem in the credit business of the Jilin Branch of China Construction Bank is the high non-performing loan ratio, which is mainly manifested in the period 2011-2013. The non-performing loans of the Jilin Branch of the Construction Bank are 51 million yuan, 194 million yuan and 537 million yuan, respectively. The non-performing loan rate was 0.05% and 0.45%, respectively. In the first quarter of 2014, the non-performing loan rate was 624 million yuan, the non-performing loan rate was 0.511 yuan, and the second quarter non-performing loan rate was 659 million yuan, an increase of 25.0486 million yuan over the beginning of the year, and the non-performing loan rate was 0.51%. The amount of non-performing loans and the rate of bad loans in Jilin Branch of China Construction Bank are increasing year by year, which has become one of the key points in credit risk control. The causes of credit risk of China Construction Bank Jilin Branch come from two aspects: enterprise and bank. The main performance of the enterprise is the default of the enterprise, the bank mainly shows that the supervision of the credit business is not perfect, the investment of the credit fund is unreasonable, and the management mechanism of the credit risk is not perfect. The imperfect supervision of credit business mainly shows that there are loopholes in the management of credit business before and after the loan, and the supervision and restraint mechanism is not perfect; the irrational investment of credit funds mainly means that the credit funds are in the industry. The credit risk management system is not perfect in the aspects of credit risk management concept, post-loan management, collateral management, the degree of specialization of examination and approval procedure and over-reliance on guarantee, etc. In view of the causes of credit risk in Jilin Branch of China Construction Bank, this paper gives the corresponding suggestions, that is, to build a credit risk measurement model (credit rating model), to perfect the credit risk management mechanism, and to perfect the credit risk management mechanism before the loan. The supervision of credit business after credit and the adjustment and optimization of credit structure, including the adjustment of asset structure, the adjustment of industry structure and the adjustment of product structure, etc.
【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

【参考文献】