浙江A商业银行关系型贷款的信贷风险成因及对策研究

发布时间：2018-01-10 21:23

本文关键词：浙江A商业银行关系型贷款的信贷风险成因及对策研究　出处：《东华大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着金融全球化和国际金融环境的不断变化,对我国金融行业尤其是银行的信贷业务造成了比较大的影响。信贷业务的发展质量关系到我国银行业的健康发展,影响到我国相关金融政策的实施,良好的信贷业务对我国构建和谐社会也有重要作用。在“新常态”时代背景下,城市商业银行的转型升级已是必然,许多银行开始进行差异化、特色化改革。但由于城市商业银行业务品种单一、贷款比重较大,再加上经济形势波动、金融改革、金融行业结构调整等宏观环境的影响,使得城市商业银行不良贷款余额和不良贷款率持续双升,面临着巨大的信贷风险,风险管理进入关键时期。为了使本文更有实践意义,从浙江A商业银行(上海分行)的关系型贷款业务入手,深刻剖析其信贷风险形成的原因,旨在通过对成因的解析找到相应的对策与可解决的途径,提高风险管理意识,建立严格的风险管理体系,提升信贷风险管理能力和水平。本文一共分为三个部分,第一部分是理论基础,主要论述了商业银行信贷风险的成因和对信贷风险对策的相关研究综述,是全文的理论基础。第二部分主要是对浙江A商业银行信贷现状及存在的问题分析,本文从浙江A商业银行信贷管理的组织结构体系、内部管控、信贷业务流程、信贷风险管理技术四个方面进行分析,发现目前浙江A商业银行存在以下问题:人力资源与团队建设薄弱、内部管理松懈、贷款资产质量下降、风险评估手段单一等。在第一部分理论阐述和第二部分针对浙江A商业银行问题分析的基础上,提出相应的风险控制策略,即本文的第三部分,本文提出A商业银行应从改善人力资源管理与培育专业化团队、加快银行转型升级与创新、实行定性定量相结合的风险评估手段和加快银行外部环境建设四个方面着手强化关系型贷款的信贷风险控制。本文以“提出问题--分析问题--解决问题”为撰写思路,采用调查分析、案例分析、统计分析、对比分析等研究方法,立足于风险管理的基本理论,从提高信贷风险防范能力的角度出发,借助信贷系统的真实数据,深入分析了目前A商业银行上海分行关系型贷款信贷风险的成因。希望本文的研究不仅对A商业银行的风险管理起作用,也可对其他商业银行的信贷风险管理提供参考和借鉴,并对商业银行信贷业务风险管理的完善有推动作用。
[Abstract]:With the continuous change of the financial globalization and international financial environment, for China's financial industry, especially bank credit business caused a relatively large impact. The credit business development quality is related to the healthy development of China's banking industry, affect the implementation of China's financial policies, good credit business also has an important role in construction a harmonious society in China. In the "new normal" background, the transformation and upgrading of city commercial banks is inevitable, many banks began to differentiate, the characteristics of the reform. But because the city commercial bank loans to a single species, a larger proportion, coupled with the economic situation fluctuations, financial reform, financial industry structure adjustment the macro environment, the balance of non-performing loans and city commercial banks non-performing loan ratio continued to double up, facing the huge credit risk, risk management has entered a crucial period. In order to make this More practical significance, from the Zhejiang A Commercial Bank (Shanghai branch) the relationship lending business with a profound analysis of the reasons of the credit risk of the formation, in order to find the way through the analysis of the causes and corresponding countermeasures to solve, improve the consciousness of risk management, establish a strict system of risk management, improve credit risk management ability and level. This paper is divided into three parts, the first part is the theoretical basis, mainly discusses the causes of the credit risk of commercial banks and Countermeasures of credit risk related research, is the theoretical foundation of the thesis. The second part is the analysis of Zhejiang A commercial bank credit status and existing problems, this paper from the organizational structure of the system, Zhejiang A commercial bank credit management, internal control, credit business process, the four aspects of credit risk management techniques are analyzed, found at the Zhejiang A commercial bank has asked Question: the construction of human resources and the team is weak and lax internal management, decrease the quality of loan assets, risk assessment method is single. Based on the first part expatiates the theory and the second part of the Zhejiang A commercial bank on the problem analysis, put forward corresponding risk control strategies, namely the third part of this paper, this paper proposes a A commercial bank should improve and cultivate the professional team of human resources management, accelerate the transformation and upgrading of banking and innovation, the implementation of a combination of qualitative and quantitative methods of risk assessment and accelerate the construction of external environment in four aspects to strengthen the relationship between bank lending credit risk control. This paper put forward problems analyzing problems solving problems "for writing ideas, by investigation and analysis case analysis, statistical analysis, comparative analysis and other research methods, based on the basic theory of risk management, starting from the point of improving credit risk prevention, The real data by credit system, in-depth analysis of the causes of the Shanghai branch of A commercial bank relationship lending credit risk. I hope this study not only for the A commercial bank's risk management function, can also provide reference for other commercial bank credit risk management, and has a positive effect on improving credit risk management the business of commercial banks.

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

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