K银行信贷业务风险管理研究

发布时间：2018-01-23 08:12

本文关键词： K银行信贷业务风险管理　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：信贷业务作为我国商业银行的核心业务,在各类商业银行中的业务中都有很重要的地位。商业银行的主要核心是信贷业务,对利润有很大的贡献度。在信用体系不健全的当代经济社会,商业银行对不良信贷资产的预防和处置都相当重视。商业银行都将降低信贷业务风险作为重要目标。作为地方性的商业银行,K银行在其信贷业务的整体风险管理上面,与国内以及国外的其他银行相比起来都有着不小的差距,而且在其各类风险的管理机制建设以及管理手段上面还存在很多的不足。从2014年之后,K银行在整体营业上面遭受到了不良项目数额不断提升,以及不良贷款比率不断提升的情况,再加上银行本身在信贷业务上面就存在数额巨大、投资集中等情况,也使得这些不良贷款的变化为K银行带来了巨大的信贷风险。所以,当前情况下,对于K银行来说,如何有效实现当前各类信贷业务引发的风险防控及解决,从而有效降低银行当前各类呆账以及坏账发生的几率,成为了 K银行当前重点关注的内容。鉴于K银行当前存在的信贷风险问题,本论文在进行研究的时候深入了解了现代商业银行的各项风险管理及相关的理论内容,并且在综合论述的时候与K银行当前的实际情况结合起来,从而对我国行业银行存在的各类信贷风险问题及其产生的原因进行深入化的剖析,并借助我国商业银行各项信贷风险的管理标准为重要的基础依据,以有效解决当前商业银行存在的各类不良贷款问题为关键内容,并推进商业银行的内部控制发展,以及市场发展上面的监督管理机制建设及各项约束保障建设,从而以K银行为案例论述如何进行我国商业银行信贷风险管理机制的建设和完善。本文通过对K商业银行公司信贷业务开展情况、信贷业务流程和信贷业务风险管理现状进行论述的基础上,得出K银行信贷业务风险管理主要存在:信贷风险管理的组织架构不合理、信贷业务结构不合理、授信前的资信调查不够、贷后管理流于形式、风险衡量技术落后和信贷风险管理人员综合素质有待提升等问题,存在问题的原因为过度重视市场营销而忽略潜在风险、评级体系不健全、信贷人员责任心不强、信贷风险管理数据库建设缺失、人才招聘培训体系不健全等。最后,提出完善K商业银行风险管理的对策。主要包括完善信贷风险组织架构、优化信贷结构,分散风险、完善银行信贷风险管理流程、完善信贷风险信息化系统、提高信贷人员整体素质和加强银行文化理念建设。本论文在进行总体论述上面,旨在以K银行的整体信贷发展及各项信贷风险管理发展及有效防控为主要目的,期望借助系统化的分析与论述,更好的为K银行以及我国其他的商业银行在信贷业务开展及风险监管方面其中重要的引导作用。
[Abstract]:As the core business of commercial banks in China, credit business plays an important role in all kinds of commercial banks. The main core of commercial banks is credit business. A great contribution to profit. In the imperfect credit system of the contemporary economic society. Commercial banks attach great importance to the prevention and disposal of non-performing credit assets. Commercial banks take reducing the risk of credit business as an important target. Compared with other banks at home and abroad, K Bank has a large gap in the overall risk management of its credit business. And in its various types of risk management mechanism construction and management means there are still a lot of deficiencies. Since 2014, the bank has suffered from the whole business in the amount of non-performing projects is constantly rising. As well as the rising non-performing loan ratio, coupled with the banks themselves in the credit business on the existence of huge amounts, investment concentration and so on. The change of these non-performing loans has brought huge credit risk to K Bank. Therefore, in the current situation, how to effectively realize the risk prevention and control and solution of various credit operations. In order to effectively reduce the rate of bad debts and bad debts, K Bank has become the focus of attention, in view of the current credit risk problems in K Bank. In this paper, we deeply understand the risk management and related theoretical content of modern commercial bank, and combine it with the current situation of K bank in the comprehensive discussion. In order to analyze the various kinds of credit risk problems and their causes in China's industry banks, and with the help of the management standards of various credit risks of commercial banks in China as an important basis. To effectively solve the current commercial banks of various types of non-performing loans as the key content, and to promote the development of internal control of commercial banks, as well as the market development of supervision and management mechanisms and the construction of various constraints. This paper takes K Bank as a case to discuss how to build and improve the credit risk management mechanism of commercial banks in China. Based on the discussion of credit business process and credit business risk management, it is concluded that credit risk management of K bank mainly exists: the organizational structure of credit risk management is unreasonable, and the credit business structure is unreasonable. The credit investigation before the credit is not enough, the management after the loan is just a formality, the risk measurement technology is backward and the comprehensive quality of the credit risk manager needs to be improved. The reasons for the problems are too much attention to marketing and neglect of potential risks, the rating system is not perfect, credit personnel are not strong sense of responsibility, credit risk management database construction is missing. Finally, the paper puts forward the countermeasures to perfect risk management of K commercial bank. It mainly includes perfecting the organization structure of credit risk, optimizing credit structure and dispersing risk. Improve the bank credit risk management process, improve the credit risk information system, improve the overall quality of credit personnel and strengthen the construction of bank culture. Aiming at the overall credit development of K Bank and the development of various credit risk management and effective prevention and control as the main purpose, I hope to use systematic analysis and discussion. Better for K Bank and other commercial banks in our country in credit business development and risk supervision one of the important leading role.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

【相似文献】