A银行宁夏分行信用风险管理研究

发布时间：2018-01-04 23:23

本文关键词：A银行宁夏分行信用风险管理研究　出处：《宁夏大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,伴随着前期高速的经济发展,我国的经济发展进入调整期,受国内外复杂的经济环境影响,银行业面临的信用风险形势日趋严峻,风险管理压力和难度与日俱增。作为国有大型银行在宁夏的分支机构,A行宁夏分行在近些年取得年均贷款余额10%以上的高速增长成绩的同时,也面临着巨大的信用风险管理压力。因此,结合A行宁夏分行所面临的信用风险管理的自身特点,对A行宁夏分行信用风险管理进行完善和补充是需要迫切研究的重要课题。本文系统阐述了作为信用风险管理国际标准的《巴塞尔协议》的相关要求、国内信用风险管理现状以及信用风险相关理论知识,在此基础上对A行宁夏分行的信用风险管理状况进行了全面系统的剖析。结合A行宁夏分行具体情况,并借鉴国内外银行信用风险管理经验,提出在调整A行宁夏分行信用风险管理理念、加强A行宁夏分行信用风险管理队伍建设、强化风控制度建设、加强信息系统建设、强化风险管理部门职能等方面对A行宁夏分行信用风险管理进行优化完善,对与A行宁夏分行相类似的金融机构提升信用风险管理能力也具有借鉴意义。
[Abstract]:In recent years, with the rapid economic development in the early period, the economic development of our country has entered a period of adjustment. Under the influence of complex economic environment at home and abroad, the credit risk situation faced by the banking industry is becoming increasingly severe. The pressure and difficulty of risk management are increasing day by day. As a branch of large state-owned banks in Ningxia, Ningxia Branch has achieved a high growth rate of more than 10% in annual loan balance in recent years. It also faces enormous pressure of credit risk management. Therefore, combining with the characteristics of credit risk management faced by Bank A Ningxia Branch. To perfect and supplement the credit risk management of Bank A Ningxia Branch is an important subject that needs to be studied urgently. This paper systematically expounds the relevant requirements of the Basel Accord as the international standard of credit risk management. Domestic credit risk management status and credit risk related theoretical knowledge, on the basis of a comprehensive and systematic analysis of the credit risk management of Bank A Ningxia Branch, combined with the specific situation of Bank A Ningxia Branch. And draw lessons from the domestic and foreign bank credit risk management experience, put forward to adjust A Ningxia branch credit risk management concept, strengthen A line Ningxia branch credit risk management team construction, strengthen the wind control degree construction. Strengthen the construction of information systems, strengthen the functions of risk management departments and other aspects of Bank A Ningxia Branch credit risk management optimization and improvement. It can also be used for reference for financial institutions similar to Bank A Ningxia Branch to enhance the ability of credit risk management.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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