菏泽农商银行信贷项目风险管理研究

发布时间：2018-01-05 06:19

本文关键词：菏泽农商银行信贷项目风险管理研究　出处：《青岛大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的快速发展,我国的金融机构也迎来了国际金融机构的激烈竞争。商业银行最为主要的业务就是信贷资产业务,但是在获取高额利润的同时也面临着较高的信贷风险。所以在当前的经济形势下,怎样进一步使得商业银行的抵御风险和预防风险的能力得到提高,对于商业银行的信贷风险管理的相关内容进行分析研究,从而提高经济效益,深具现实意义。本论文立足于菏泽市农商银行,采取实证验证的方式提出了内部评级法,对信贷风险进行管理,从而提高抵御风险的目的。本论文的第一章是引言,主要阐述了研究的背景与意义以及研究的思路与方法;第二章介绍了有关信贷风险管理的基本理论;第三章对菏泽农商银行的信贷风险进行了识别;第四章基于信用风险Credit Risk+模型对菏泽农商银行信贷风险度量;第五章对菏泽农商银行信贷风险防范提出对策。该篇论文不仅对理论进行了阐述,还将实际与之结合,采取小微企业的贷款相关数据作为样本进行内部评级分析,深入分析出菏泽市农村商业银行在信贷资产管理中所存在的诸多问题,在此基础上提出行之有效的信贷风险管理对策,从而为当地的农村信用社的体制改革与长远发展提供出大体思路,进而为农村金融体制改革提供借鉴性意见。
[Abstract]:With the rapid development of our economy, our financial institutions have also welcomed the fierce competition of international financial institutions. The most important business of commercial banks is the business of credit assets. But at the same time, it faces high credit risk, so in the current economic situation, how to further enhance the ability of commercial banks to resist and prevent risks. This paper is based on the Heze Agricultural and Commercial Bank of Heze City based on the analysis and study of the relevant contents of the credit risk management of commercial banks in order to improve the economic benefits and have deep practical significance. In order to improve the purpose of resisting credit risk, the internal rating method is put forward in the way of empirical verification. The first chapter of this paper is the introduction. The background and significance of the research, as well as the ideas and methods of the research are expounded. The second chapter introduces the basic theory of credit risk management. The third chapter identifies the credit risk of Heze Agricultural and Commercial Bank. Chapter 4th measures the credit risk of Heze Agricultural Commercial Bank based on the credit risk Credit Risk model; Chapter 5th puts forward the countermeasures to prevent the credit risk of Heze Agricultural and Commercial Bank. This paper not only expounds the theory, but also combines the practice with it. Taking the loan related data of small and micro enterprises as the sample to carry on the internal rating analysis, this paper deeply analyzes the many problems existing in the credit asset management of the rural commercial banks in Heze city. On this basis, the author puts forward some effective countermeasures of credit risk management, which can provide general ideas for the system reform and long-term development of the local rural credit cooperatives, and then provide reference suggestions for the reform of the rural financial system.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

【参考文献】