中国银行南安支行信贷风险控制研究

发布时间：2018-03-01 17:31

本文关键词： 信贷信贷风险控制　出处：《华侨大学》2017年硕士论文　论文类型：学位论文

【摘要】：金融业具有内生脆弱性和不稳定性,很容易爆发金融风暴和危机。对于商业银行信贷业务来说,信贷风险主要与资金周转不畅、倒闭、经营不善有很大的关系。在现代金融市场上,任何金融波动和危机都会引发一系列不良反应,这对商业银行经营活动产生了巨大的威胁。商业银行不良信贷资产规模不断扩大,对金融业发展形成了严重制约。目前,商业银行信贷风险管理已引起了社会各界广泛关注,而商业银行经营稳健性又与信贷风险防控有直接关系。本文以管理学、金融学等理论为基础,对国内外商业银行信贷风险管理研究文献进行了综述,并采用实证研究方法,对中国银行南安支行进行了研究,通过对该行信贷业务开展情况进行调查研究,找出其中存在的主要问题:一是信贷风险管理文化缺失;二是信贷风险管理体系部完善;三是信贷风险管理流程不健全;四是信贷风险管理制度不全面。在此基础上,借鉴先进的信贷风险管理经验,优化中国银行南安支行信贷风险控制方案,具体内容包括:构建新型信贷文化,支撑业务经营发展;健全信贷风险管理组织结构;完善信贷风险管理制度;理顺信贷风险管理流程。最后,提出中国银行南安支行信贷风险控制方案的实施保障。
[Abstract]:The financial industry is inherently fragile and unstable, so it is easy to break out financial storms and crises. For the credit business of commercial banks, credit risk is mainly associated with poor liquidity and bankruptcy. In the modern financial market, any financial fluctuation and crisis will lead to a series of adverse reactions, which has created a huge threat to the business activities of commercial banks. The scale of non-performing credit assets of commercial banks is constantly expanding. At present, the commercial bank credit risk management has aroused the widespread concern of the society, and the commercial bank management stability has the direct relation with the credit risk prevention and control. Based on the theory of finance, this paper summarizes the research literature of credit risk management of commercial banks at home and abroad, and studies the Nan'an Branch of Bank of China by using the empirical research method. Through the investigation and study of the bank's credit business, the main problems are found: (1) the lack of credit risk management culture, (2) the perfection of credit risk management system, (3) the imperfect flow of credit risk management, (3) the lack of credit risk management system, and (3) the lack of credit risk management culture. The fourth is that the credit risk management system is not comprehensive. On the basis of this, we can use advanced credit risk management experience for reference and optimize the credit risk control scheme of Bank of China Nanan Branch. The concrete contents include: constructing a new credit culture, To support the development of business operation; to perfect the organizational structure of credit risk management; to perfect the credit risk management system; to rationalize the credit risk management process. Finally, to put forward the implementation guarantee of the credit risk control scheme of the Nanan Branch of Bank of China.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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