兰州银行信贷风险管理改进方案研究

发布时间：2018-03-12 23:01

本文选题：兰州银行　切入点：信贷风险　出处：《兰州大学》2017年硕士论文　论文类型：学位论文

【摘要】：兰州银行作为一家城市商业银行,通过近年来的不断发展,取得了一定的成绩,但这在经济形势复杂的今天就对风险管理水平提出了更高的要求。兰州银行的主要盈利依然来自信贷业务,本文重点就信贷风险管理展开讨论。本文通过阐述国内外银行信贷风险管理发展现状及其研究,从而明确国内信贷风险管理的基本思路和方向。本文研究了兰州银行的信贷风险管理现状,包括兰州银行的基本情况、业务情况、财务状况、员工状况,并指出在现阶段兰州银行信贷风险管理中存在的问题。结合监管要求在找出问题的基础上明确改进信贷风险管理方案的途径。通过深入分析研究近几年不良贷款的特征,积累各个维度的数据,对改进方案中的模型提供数据支持,最后提出兰州银行信贷风险管理的改进方案,主要结合成因分析从引入经济资本管理的角度建立相关绩效考核模型。另外围绕贷前贷后提出对信用等级评定的完善、贷款风险分类的精细化、风险缓释的有效性的提高、责任追究力度的加强、信贷文化的建立等方面进行改进。同时,本文对兰州银行信贷风险管理方案做出整体评价。最后,提出对待研究的问题的展望。
[Abstract]:Lanzhou Bank as a city commercial bank, through the continuous development in recent years, has made certain achievements. But today, when the economic situation is complicated, it puts forward higher demands on the level of risk management. The main profit of Lanzhou Bank still comes from its credit business. This paper focuses on the discussion of credit risk management. In order to clarify the basic thinking and direction of domestic credit risk management. This paper studies the current situation of credit risk management of Lanzhou Bank, including the basic situation of Lanzhou Bank, business situation, financial situation, staff status, The paper also points out the problems existing in the credit risk management of Lanzhou Bank at the present stage. On the basis of finding out the problems, the ways to improve the credit risk management scheme are defined in combination with the regulatory requirements. Through in-depth analysis, the characteristics of non-performing loans in recent years are studied. Accumulate the data of each dimension, provide the data support to the model in the improvement scheme, finally put forward the improvement plan of the credit risk management of Lanzhou bank, Based on the analysis of the causes, this paper establishes the relevant performance appraisal model from the angle of introducing economic capital management. In addition, it puts forward the improvement of credit rating, the refinement of loan risk classification and the improvement of the effectiveness of risk mitigation. At the same time, this paper evaluates the credit risk management scheme of Lanzhou Bank as a whole. Finally, the paper puts forward the prospect of the research.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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