兴业银行大连分行洪亮新能源贷款项目风险管理研究

发布时间：2018-01-06 02:34

本文关键词：兴业银行大连分行洪亮新能源贷款项目风险管理研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：诺贝尔经济学奖得主罗伯特·莫顿教授指出,风险管理是现代金融理论的二大支柱之一,从商业银行角度出发,经营管理的核心就是风险管理。商业银行经营风险既给其带来高额利润的同时,又能给商业银行带来灾难性的损失,能否及时有效的管控风险,对商业银行的经营发展有着至关重要的作用。2016年以来,中国的社会经济形势发生了深刻的变化,随着全面深化改革进程的持续推进,中国经济已经进入了新常态,如何认识新常态,适应新常态,已经成为摆在商业银行面前的重大课题。兴业银行大连分行主动认识新常态、适应新常态,既坚定地坚持改革创新、转型发展的方向,又实事求是地设定阶段性目标,把握业务节奏,改进工作方法。面对风险管理压力持续加大的态势,兴业银行大连分行一方面重点加强对区域经济形势的研究与预判,合理确定经营发展指引,同时做好对重点行业、重点客户的风险排查,加大对存量业务风险防控力度,加快不良资产及风险资产清收化解速度;另一方面,全面加强合规风险文化的宣贯,强化全行员工风险合规履职意识,努力构建全员合规的家园文化,提升员工向心力,为分行稳健经营管理提供更好的团队基础。本文以兴业银行大连分行洪亮新能源贷款项目为例,运用文献研究、定性和定量研究、典型案例分析等方法,综合运用项目管理相关理论,通过行业分析、财务分析等手段,来说明项目的进展情况和前景。同时,本贷款项目也存在潜在风险,比如政策风险、经营风险、信用风险、担保风险、操作风险等影响因素,通过对行业情况、经营情况、财务情况、担保情况等因素进行风险分析。为了有效规避风险,兴业银行大连分行对洪亮新能源贷款项目应事前、事中、事后几个方面着手,从银行的各个风险点出发来有效防控信贷风险。展开来叙述,第一点是贷款项目评估的各个环节应重点进行规范,尤其是在调查的准入、审批的准入、贷款的申请受理及机构的授信调查等多方面予以关注。第二点是贷中的审查审批环节,对于相应的流程要进一步优化,对于审查意见一是要中肯,二是要规范可靠,三是要加强授信业务的放款工作,同时对于相关的放款条件要一一落实到位。第三点是贷后管理工作要进一步强化,对授信业务存续期内进行风险的分类、排查、预警及处置。同时,兴业银行大连分行应严格按照总行授信管理部及风险管理部等相关部门制定的各项规章制度执行,同时对于大连分行内部出台相应的操作规程,或者进一步完善、修订此前的相关操作规程。加强企金CFP系统、零售信贷系统等相关系统操作的学习,对于总行相关系统建设更新的功能要及时组织相关岗位人员进行学习培训,并随后组织相应的测验。根据授信、风险相关岗位人员的岗位职责制定适合的考评机制与履职评价机制,提高全行员工的合规、风险与责任意识,进而提出兴业银行大连分行贷款项目风险控制措施,最终达到降低风险、银企双赢的目的。
[Abstract]:Nobel laureate professor Robert Morton pointed out that the risk management is one of the two pillars of modern financial theory, from the perspective of commercial banks, management is the core of risk management. The operation risk of commercial bank for its profits at the same time, and can bring catastrophic losses to commercial banks, timely and effective risk control, the commercial bank's operation and development plays an important role in.2016 years, has undergone profound changes in social and economic situation Chinese, with the continuous advance of comprehensive deepening reform process, Chinese economy has entered a new normal, how to recognize the new normal, to adapt to the new normal, has become a major issue in front of the commercial banks. Industrial Bank Dalian branch active understanding of the new normal, to adapt to the new normal, not only firmly adhere to reform and innovation, transformation and development direction, and seeking truth from facts To set the stage goal, grasp the business rhythm, improvement of working methods. Facing the pressure of risk management is increasing trend, the Industrial Bank Dalian branch on the one hand, focus on strengthening the research of regional economic situation and pre judgment, reasonably determine the operating guidelines for the development of heavy industry, at the same time point, focus on customer risk investigation, increase the stock of business the risk prevention and control efforts, accelerate the non-performing assets and risk assets to resolve speed; on the other hand, to strengthen the compliance risk culture publicizing, strengthening the bank staff to perform their duties compliance risk awareness, and strive to build the full compliance of home culture, improve staff cohesion, as a branch of robust management to provide a better basis for the team. The Dalian branch of the industrial bank a new energy loan project as an example, the use of literature research, qualitative and quantitative research, case analysis and other methods, the integrated use of project management. The theory, through the industry analysis, financial analysis and other means, to illustrate the progress and Prospect of the project. At the same time, the loan project also has potential risks, such as policy risk, operational risk, credit risk, guarantee risk, operational risk factors and other factors, the industry, business, finance, guarantee the factors such as risk analysis. In order to effectively avoid risks, the Industrial Bank Dalian branch of a new energy loan project should advance, in the matter, after several aspects, to effectively control the credit risk from the point of view of the various risks of banks. The first is to expand the narrative, each part of the loan project evaluation should focus on norms, especially in the investigation of the approval of access, access, and other aspects of the credit investigation agencies and acceptance of the application for the loan's attention. The second is the review of loan approval process, for the corresponding process To further optimize the examination opinions for, one is to the point, the two is to regulate the reliability, the three is to strengthen the credit business loan, and for related lending conditions will be put in place. The third is to further strengthen the work of post loan management, classification, risk of credit business within the duration of the investigation, warning and disposal. At the same time, the Industrial Bank Dalian branch shall implement the regulations strictly in accordance with the head office credit management department and risk management department and other relevant departments to develop, at the same time for the Dalian branch of the internal introduction of corresponding operation rules, and further improve the relevant operating procedures prior to the revision. Strengthen enterprises Kim CFP system, the related system of retail credit system etc. the operation of learning, to update the function of the system construction relevant head office shall timely organize related personnel training for the organization, and then according to the corresponding test. Credit risk, relevant personnel responsibilities for the development of the evaluation mechanism and performance evaluation mechanism, improve the compliance of the bank staff, risk and responsibility consciousness, and puts forward the measures of risk control of Dalian branch of industrial bank loan project, in order to reduce risk, a win-win goal.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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