H银行信用风险管理体系研究

发布时间：2018-08-16 19:38

【摘要】：几年来,H银行争创国内一流、国际知名小额信贷银行,从地方股份制银行逐步向全国扩张发展,经营业绩不断提升。在自身快速发展的同时,原有管理体制中存在的缺陷与弊端正逐步显现,特别是业务快速扩张时信用风险管理体系的不足成为制约H银行稳健发展的重要因素,H银行想要在今后的市场竞争中持续健康发展,对信用风险管理体系进行完善优化是解决问题的根本出路。本文针对H银行现有信用风险管理体系进行诊断分析,对症下药的提出了一系列可行的改进方案和完善措施。通过学习掌握国际银行业风险管理理论与领先实践,充分结合同业先进管理精神,以战略政策、管理架构、制度流程、人员素质、技术措施、绩效考核等为突破口开展内部分析,以经营环境、监管背景、国内银行风险管理现状等为突破口开展外部分析,全面系统的分析H银行信用风险管理体系现状。基于内外部全面分析结果,运用风险管理研究方法及相关理论,提出解决H银行发展困境的完善方案,突出风险管理在银行未来发展中的重要位置,树立价值统一、落实全面、分工专业、激励先导、协调互助等完善优化方针。最后,从组织架构变革、员工绩效改革、技术人才引进、风险文化推行、管理技术夯实等方面提出一系列切实有效的建议、对策,开展H银行信用风险管理的理论探讨和操作尝试,旨在不断提高H银行信用风险管理水平,为H银行信用风险管理提供有效的改进方案和促进措施,探索推进城市商业银行风险管理的国际化进程。
[Abstract]:Over the past few years, China's H Bank has been striving for the first class in China, and the international well-known microfinance banks have gradually expanded and developed from local joint-stock banks to the whole country, and their business performance has been continuously improved. With the rapid development of itself, the defects and drawbacks in the original management system are gradually appearing. In particular, the lack of credit risk management system in the rapid expansion of business has become an important factor restricting the steady development of H Bank, and H Bank wants to continue to develop healthily in the market competition in the future. To perfect and optimize the credit risk management system is the basic way to solve the problem. Based on the diagnosis and analysis of the existing credit risk management system of H Bank, this paper puts forward a series of feasible improvement schemes and perfect measures. Through learning and mastering international banking risk management theory and leading practice, fully combining the spirit of advanced management in the same industry, with strategic policy, management structure, system process, personnel quality, technical measures, Performance appraisal is the breakthrough point to carry out internal analysis, with the operating environment, regulatory background, domestic bank risk management situation as the breakthrough point to carry out external analysis, comprehensive and systematic analysis of H bank credit risk management system. Based on the comprehensive analysis results of internal and external, using the research method of risk management and related theories, this paper puts forward a perfect plan to solve the development dilemma of H bank, highlights the important position of risk management in the future development of banks, sets up the unity of value, and implements comprehensively. Division of labor, incentive guide, coordination and mutual assistance and other perfect optimization policy. Finally, from the aspects of organizational structure reform, employee performance reform, technical talent introduction, risk culture implementation, management technology tamping and so on, a series of practical and effective suggestions and countermeasures are put forward. The purpose of this paper is to improve the credit risk management level of H bank and to provide effective improvement scheme and promotion measures for H bank credit risk management. Explore and promote the internationalization of urban commercial bank risk management process.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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