G银行通道类授信业务风险控制研究

发布时间：2018-03-31 21:54

本文选题：通道类授信　切入点：风险管理　出处：《江西财经大学》2017年硕士论文

【摘要】：自2012年我国商业银行开展通道类授信业务后,商业银行产品的创新力度显著增强,创新速度显著加快,加上最近几年金融环境的日益宽松,也就使得商业银行更多的将业务重点从传统的存贷款业务转移到通道类授信业务中去,大部分商业银行通道类授信业务规模也就急剧上升,而商业银行该业务的风险防范也就成了最近几年我国风险管理的重中之重。本文以商业银行通道类授信业务为写作重点,并对G银行某一段时间内该业务发展的具体情况做了一个案例分析,提出其可能会产生的风险并针对这些风险提出自己的建议和对策。G银行作为地方性小型商业银行,也是通道类授信业务发展较快的银行,分析其业务发展模式对于江西省乃至全国中小商业银行开展通道类授信业务提供一些建议。在本文第一章节中,本文简单的介绍通道类授信业务的研究背景、研究意义、国内外研究现状、研究方法、研究思路和本文的创新点和不足。本文第二章节着重介绍了商业银行通道类授信业务的基本概述,包括通道类授信业务的定义、特点、业务的基本类型、国内发展现状、业务风险界定和当前国内业务风险管理界定。第三章和第四章是本文的核心部分。本文第三章主要是通过以G银行为实例详细生动的讲述了该银行的通道类授信业务的操作流程及具体实施细节,在本章的最后也针对上面的业务分析提出了G银行该业务中存在的风险以及对这些风险提出简要的措施。第四章从银行内部层面、外部监管层面两个方面进一步对通道类授信业务中可能会存在风险提出详细的防御措施。本文的最后一章对全文进行了一个总结。
[Abstract]:Since 2012, the commercial banks of our country developed the channel credit business, the innovation intensity of the commercial banks' products has been greatly strengthened, the innovation speed has been quickened significantly, and the financial environment has been increasingly relaxed in recent years. As a result, commercial banks will shift their business emphasis from traditional deposit and loan business to channel type credit business, and the scale of most commercial banks' channel type credit business will rise sharply. The risk prevention of commercial banks has become the most important part of risk management in China in recent years. A case study on the development of G Bank in a certain period of time is given, and the possible risks are put forward, and some suggestions and countermeasures are put forward. G Bank is a small local commercial bank. It is also the bank with fast development of channel credit business. This paper analyzes its business development mode and provides some suggestions for Jiangxi Province and even small and medium-sized commercial banks throughout the country to carry out channel credit business. In the first chapter of this paper, This paper briefly introduces the research background, research significance, domestic and foreign research status, research methods, The second chapter mainly introduces the basic overview of commercial bank channel credit business, including the definition, characteristics, basic types of business, domestic development status, including the definition of channel type credit business. The definition of business risk and current domestic business risk management. Chapter 3 and chapter 4 are the core of this paper. The third chapter is mainly through the G bank as an example to describe the channel credit of the bank in detail and vividly. The operation flow of the business and the details of its implementation, At the end of this chapter, we also put forward the risk of G Bank in this business and the measures to deal with these risks. Chapter four is from the internal level of the bank. Two aspects of external supervision further provide a detailed defense against the possible risks in the channel credit business. The last chapter of this paper summarizes the full text.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

【参考文献】