ZZ农商银行个人信贷项目风险管理研究

发布时间：2018-01-05 21:44

本文关键词：ZZ农商银行个人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】：近几年我国经济发展进入“新常态”,金融市场竞争日趋激烈。作为隶属于山东省农村信用社联合社的ZZ农商银行要在县域范围内保持发展的活力,必须在支农、支小的主线上与时俱进、开拓创新,切实部署开展好信贷项目,并将个人信贷项目打造成ZZ农商银行的核心竞争产品。现如今金融机构的存贷利差都在不断收窄,银行利润在逐渐减少。而且目前为经济下行期,ZZ农商银行有效的贷款需求不足,高质量的客户资源逐渐减少,不良贷款的反弹形势日益严重,银行遇到的风险种类不断增加、风险情形更加多种多样,风险管理的难度日益加大。信贷风险管理是ZZ农商银行风险管理的一个重要组成部分,它在整个信贷业务过程中都是必不可少的,贯穿于贷款的事前、事中及事后一系列工作,具体来讲可概括为贷款调查、贷款审查、贷款发放、贷后管理以及贷款收回这五大关键环节。而个人信贷业务又是ZZ农商银行贷款业务的主要组成部分,因此个人信贷项目风险管理的有效性就成为了ZZ农商银行实现可持续发展的重要保障,也对ZZ农商银行今后更好的服务农业、农民及农村经济,促进区域经济的发展,履行银行的社会责任起到举足轻重的作用。论文通过论述项目风险管理的相关理论,采用文献研究、案例分析等方法,对ZZ农商银行个人信贷项目风险管理现状及问题进行了分析。在此基础上,构建了由家庭基本情况、声誉及资信状况、贷款用途及市场前景、担保情况、资产负债及经营收支状况等因素组成的个人信贷项目风险评价指标体系。运用基于模糊数学原理的模糊综合评价法,以识别出的所有信贷项目风险因素为评价对象,设置相应的风险因素权重,衡量出各个信贷项目风险因素的具体风险;并对信贷项目风险类型进行风险等级的确定,从而得出信贷项目的总风险。并结合贷款案例进行了分析验证,最后提出了个人信贷项目风险应对措施。论文建立了一种基于模糊综合评价法的个人信贷项目风险评价模型,度量了个人信贷项目存在的风险大小,并对其有效性进行了实例验证,对提升银行信贷风险管理水平有一定的借鉴意义。
[Abstract]:In recent years, the economic development of our country has entered the "new normal", and the competition in the financial market is becoming increasingly fierce. As a member of Shandong Rural Credit Cooperative Union, the ZZ Agricultural and Commercial Bank should maintain its vitality within the county scope. We must keep pace with the times on the main line of supporting agriculture and supporting small enterprises, open up and innovate, and effectively deploy and carry out credit projects. And the personal credit program as the core competitive products of ZZ Agricultural and Commercial Bank. Now the deposit and loan spreads of financial institutions are narrowing, bank profits are gradually declining. And the current economic downturn. The effective loan demand of ZZ Agricultural and Commercial Bank is insufficient, the high-quality customer resources are gradually decreasing, the rebound of non-performing loans is becoming more and more serious, the types of risks encountered by banks are increasing, and the risk situations are more and more varied. Risk management is becoming more and more difficult. Credit risk management is an important part of risk management of ZZ agribusiness bank. It is essential in the whole credit business process and runs through the loan. In the event and after a series of work, specifically can be summarized as a loan survey, loan review, loan issuance. After loan management and loan recovery these five key links, and personal credit business is the main part of the loan business of ZZ Agricultural and Commercial Bank. Therefore, the effectiveness of risk management of individual credit projects has become an important guarantee for the sustainable development of ZZ Agricultural and Commercial Bank, and it will also serve the agriculture, farmers and rural economy better in the future. Promoting the development of regional economy and fulfilling the social responsibility of banks play an important role. This paper discusses the relevant theory of project risk management, using literature research, case analysis and other methods. On the basis of analyzing the current situation and problems of risk management of personal credit project of ZZ Agricultural and Commercial Bank, this paper constructs the basic situation of family, reputation and credit status, loan use and market prospect, guarantee situation. The risk evaluation index system of personal credit project is composed of assets, liabilities and operating income and expenditure. The fuzzy comprehensive evaluation method based on fuzzy mathematics principle is used. To identify all the credit project risk factors as the evaluation object, set up the corresponding risk factors weight, measure the specific risk of each credit project risk factors; And the risk types of credit projects to determine the risk level, so as to obtain the total risk of credit projects, and combined with a loan case for analysis and verification. Finally, the author puts forward the measures to deal with the risk of personal credit project. The paper establishes a risk evaluation model of personal credit project based on fuzzy comprehensive evaluation method, and measures the risk of personal credit project. The validity of the model is verified by an example, which is useful for improving the bank credit risk management level.
【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】：F832.479

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