温州地区商业银行企业信贷风险的特征和控制对策研究

发布时间：2018-05-21 04:30

本文选题：信贷风险 + 商业银行　；参考：《浙江工业大学》2014年硕士论文

【摘要】：在我国,信贷业务是商业银行的主要利润来源,信贷风险也是商业银行面临的主要风险,信贷风险管理的成败不仅关系到商业银行盈利目标能否实现,而且对其生存发展起着至关重要的作用。特别是近年来,随着银行企业信贷业务的迅猛发展,企业信贷风险也在不断地增长,企业信贷风险管理越来越成为银行关注的焦点。本文首先通过对历史文献的查阅,对银行信贷风险的概念、结构,银行信贷风险成因理论及控制理论进行分析与归纳总结。接着以温州地区商业银行企业信贷风险为研究主体,以温州地区商业银行企业信贷现状为切入点,着重分析了温州地区商业银行企业信贷风险具有连带性、转移性、隐藏性、行业性和政策性等五大特征,进而探讨这些信贷风险的产生原因——由外部环境、企业经营及商业银行方面等因素构成。针对温州地区商业银行企业信贷风险的特征及其成因,本文提出了相应的风险控制对策。温州地区商业银行必须首先根据企业信贷风险的连带性特征,加速处理互相担保风险,重点做好风险链条的化解；其次要加强信贷风险过程管理,有效监测企业信贷资金流入非正常领域而产生信贷风险的转移；然后根据温州地区商业银行企业信贷以中小企业信贷为主,因短贷长用、民间借贷突出导致企业信贷风险具有隐藏性特征的现象,注重信贷模式的创新,加强银行信贷产品供给,从而有效化解风险；还要树立现代商业银行风险管理理念,实施信用风险限额管理,有效化解企业信贷风险的行业性特征；最后要强化银行信贷队伍管理,控制多头、过度授信,才能有效降低风险贷款的发生概率,减轻企业信贷风险的政策性特征。加强企业信贷风险控制是一个系统工程,在当前温州银行业不良贷款爆发、信贷风险突出的情况下,希望能给当地银行加强信贷风险管理提供相关参考借鉴。
[Abstract]:In China, credit business is the main source of profits for commercial banks, and credit risk is also the main risk faced by commercial banks. The success or failure of credit risk management is not only related to whether commercial banks can achieve their profit objectives. And it plays a vital role in its survival and development. Especially in recent years, with the rapid development of the bank enterprise credit business, the enterprise credit risk is also increasing, enterprise credit risk management has become the focus of attention of the bank. Firstly, this paper analyzes and summarizes the concept, structure, cause theory and control theory of bank credit risk through the reference of historical documents. Then taking Wenzhou commercial bank enterprise credit risk as the research subject, taking Wenzhou commercial bank enterprise credit situation as the breakthrough point, the paper emphatically analyzes the Wenzhou commercial bank enterprise credit risk has the connection, the transfer, the concealment. This paper discusses the five characteristics of industry and policy, and then discusses the causes of these credit risks, which are made up of external environment, enterprise management and commercial banks. In view of the characteristics and causes of the credit risk of the commercial banks in Wenzhou, this paper puts forward the corresponding countermeasures of risk control. The commercial banks in Wenzhou region must, first of all, speed up the handling of mutual guarantee risks according to the associated characteristics of enterprise credit risks, and focus on resolving the risk chain. Secondly, they should strengthen the management of the credit risk process. To effectively monitor the transfer of credit risk resulting from the inflow of enterprise credit funds into abnormal areas; and then according to the Wenzhou area commercial bank enterprise credit, mainly for small and medium-sized enterprises, because of short loans and long term use, Private lending highlights the phenomenon that corporate credit risk has hidden characteristics, pays attention to the innovation of credit model, strengthens the supply of bank credit products, and effectively defuses risks, and sets up the modern commercial bank risk management concept. Implementing credit risk quota management, effectively dissolving the industry characteristics of enterprise credit risk; finally, strengthening bank credit team management, controlling long and overgranting credit, in order to effectively reduce the occurrence probability of risk loan, The policy characteristics of reducing enterprise credit risk. It is a systematic project to strengthen the credit risk control of enterprises. In the current situation of non-performing loans and outstanding credit risk in Wenzhou banking, it is hoped that the relevant reference can be provided for local banks to strengthen credit risk management.
【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

【参考文献】