新常态下XX城市商业银行公司业务信贷风险管理研究

发布时间：2018-04-04 18:19

本文选题：新常态　切入点：城市商业银行　出处：《江西财经大学》2017年硕士论文

【摘要】：2014年5月,习近平总书记在中央经济工作会议上提出“新常态”的概念,它反映出了目前我国经济运行的几个特征:第一,经济从高速转变为中高速增长;第二,经济结构不断优化升级,第三产业比重稳步提升;第三,发展方式从粗放增长转向效益型的集约增长。在中国经济进入新常态的背景下,实体经济发展缓慢,抗风险能力降低,其对银行盈利增长的支撑效果明显减弱。同时金融行业风起云涌,互联网金融呈现爆发式增长,利率市场化加速推进,供给侧改革大幕已拉开,这些都给银行的生存发展带来了巨大的挑战。从2014年开始,银行业不良贷款呈现反弹趋势,不良贷款余额和不良贷款率持续双升,一直延续到2016年。据银监会统计数据显示,截止2016年6月,商业银行不良贷款余额已经超过20000亿元,较年初新增了2800多亿元;不良贷款率1.81%,较年初上升0.14个百分点。2015年年末商业银行净利润增速为2.4%,较2014年末9.6%的增速水平下降了7.2个百分点。本文以XX城市商业银行为研究案例,从信贷风险管理文化、信贷风险管理组织架构、信贷业务流程、信贷风险管理措施、信贷监管主要指标等五个方面来分析XX城市商业银行信贷风险管理现状,进而剖析其管理过程中存在的问题及原因。同时,本文结合经济新常态的特征以及挑战,提出了提升XX城市商业银行公司信贷风险管理水平的建议:加强内部风险控制;重视贷前贷后的实质性调查与管理;充分发挥信贷防控中的地缘亲缘优势;加强与互联网金融行业的信息共享与合作;拓展不良资产处置渠道,提高消化速度。
[Abstract]:In May 2014, General Secretary Xi Jinping put forward the concept of "new normal" at the Central Economic work Conference, which reflects several characteristics of China's current economic operation: first, the economy has changed from a high speed to a medium and high growth; second,The economic structure is constantly optimized and upgraded, and the proportion of the tertiary industry is steadily rising; third, the mode of development has changed from extensive growth to efficient intensive growth.Under the background of Chinese economy entering into the new normal, the real economy develops slowly, the ability of resisting risk is reduced, and its support effect to the growth of bank profit is obviously weakened.At the same time, the financial industry is surging, Internet finance is showing explosive growth, interest rate marketization is accelerating, supply-side reform has been opened, these have brought great challenges to the survival and development of banks.Since 2014, banks have seen a rebound in non-performing loans, with non-performing loan balances and non-performing loan ratios continuing to rise until 2016.According to CBRC statistics, as of June 2016, the balance of non-performing loans of commercial banks has exceeded 2 trillion yuan, more than 2800 billion yuan more than at the beginning of the year.Non-performing loans rose 0.14 percentage points from the start of the year. Net profit for commercial banks grew by 2.4 percentage points at the end of 2015, down 7.2 percentage points from the rate of 9.6 percent growth at the end of 2014.This article takes XX City Commercial Bank as the research case, from the credit risk management culture, the credit risk management organization structure, the credit business process, the credit risk management measure,This paper analyzes the current situation of credit risk management of commercial banks in XX city from five aspects, such as the main indicators of credit supervision, and then analyzes the existing problems and causes in the process of management.At the same time, combined with the characteristics and challenges of the new normal economy, this paper puts forward some suggestions to improve the level of credit risk management of commercial banks in XX city: strengthening the internal risk control, paying attention to the substantive investigation and management before and after lending;Give full play to the geographical affinity advantage in credit prevention and control; strengthen the information sharing and cooperation with the Internet financial industry; expand the channels for the disposal of non-performing assets and improve the speed of digestion.
【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

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