华夏银行沈阳分行委托贷款项目风险管理的研究

发布时间：2018-04-23 10:14

本文选题：委托贷款项目 + 信息不对称　；参考：《吉林大学》2017年硕士论文

【摘要】：商业银行的贷款是商业银行最重要的资源,但是面临着不可忽视的风险,因为商业银行贷款项目管理的成败直接关系到商业银行的业务发展能力。如今,委托贷款项目是华夏银行沈阳分行最主要的业务之一,贷款的品质和效益直接关系到商业银行的可持续性发展。所以,防范和化解委托贷款项目风险,做好委托贷款项目管理已经成为学术界普遍研究的课题。华夏银行沈阳分行成立于1999年10月,主要经营本外币存贷、结算和华夏卡、代理发行证券等各种金融业务。并且,作为中国人民银行批准的东北地区融资代理行,它也为东北地区金融同业进行融资代理服务。一直致力于为客户提供金融产品和个性化金融服务,在拥有丰富客户的条件下,得到了较快的发展。截至2016年末,总资产已经超过了400多亿元,一般性存款余额超过300多亿,贷款余额超过200多亿元,为振兴东北老工业基地做出了重要的贡献。关于委托贷款项目的研究,研究人员大多立足于宏观经济数据,而目前部分学者开始侧重从微观企业入手来分析。本文尝试从微观角度出发,以华夏银行沈阳分行为例,运用定性分析与定量分析相结合的研究方法,探索华夏银行沈阳分行委托贷款项目风险因素、评估以及控制方案。在关于华夏银行沈阳分行委托贷款项目风险管理研究的基础上,提出相应的指导性建议。本文共分为三个部分。第一部分为绪论,描述了选题的背景及其意义,并且针对国、内外相关研究文献进行了综述,同时指出了本文的研究思路和框架,研究方法以及创新点等。第二部分为正文第二章到第四章。第二章,委托贷款项目的风险识别及风险评价。首先,阐释了委托贷款项目风险的发展过程,以及委托贷款项目风险的识别分类;其次,详细阐述了委托贷款项目风险评价与分析,为论文的研究奠定了坚实的理论基础。第三章,华夏银行委托贷款项目风险的控制方案设计。首先介绍了华夏银行委托贷款项目风险控制的评估,然后着重阐述了华夏银行委托贷款项目风险评估的模式,讨论了华夏银行沈阳分行委托贷款项目风险因素,接着详细阐述了华夏银行沈阳分行委托贷款项目风险控制方案,从而为论文的模型建立奠定了理论的基础。第四章,华夏银行委托贷款项目风险要素。先从简单直观地描述华夏银行委托贷款项目风险控制的方法,着重分析了华夏银行委托贷款项目风险的控制实施和应急方案,最后是本文的结论部分。因此,基于现代风险管理理论的重要思想,借鉴中西方金融领域在风险管理方面的理论、方法与技术,结合华夏银行沈阳分行委托贷款风险管理的实际运用,不断完善委托贷款项目风险管理的制度,希望可以对华夏银行沈阳分行乃至整个金融领域都能够有效地防范和化解委托贷款项目风险,有助于委托贷款的有效运行,增强行内竞争力,促进银行健康的经营发展。
[Abstract]:The loan of the commercial bank is the most important resource of the commercial bank, but it faces the risk that can not be ignored, because the success or failure of the loan project management of the commercial bank is directly related to the business development ability of the commercial bank. Nowadays, the entrusted loan project is one of the most important business of Shenyang Branch of Huaxia Bank. The quality and benefit of the loan is directly related to the sustainable development of commercial banks. Therefore, preventing and resolving the risk of entrustment loan project and managing the entrusted loan project have become a common research topic in academic circles. Huaxia Bank Shenyang Branch was established in October 1999, mainly engaged in local and foreign currency deposits and loans, settlement and Huaxia card, acting securities issuance and other financial business. Moreover, as a financing agency approved by the people's Bank of China, it also provides financing agency services for the northeast financial interbank. Has been committed to providing customers with financial products and personalized financial services, in the rich customer conditions, has been rapid development. By the end of 2016, the total assets had exceeded 40 billion yuan, the balance of general deposits exceeded 30 billion yuan, and the balance of loans exceeded 20 billion yuan, making an important contribution to revitalizing the old industrial base in Northeast China. About the research of entrustment loan project, the researchers mostly base on the macroeconomic data, but some scholars begin to focus on analyzing from the micro enterprise at present. In this paper, taking Shenyang Branch of Huaxia Bank as an example, this paper tries to explore the risk factors, evaluation and control scheme of entrusted loan project of Shenyang Branch of Huaxia Bank by using the research method of combining qualitative analysis with quantitative analysis. On the basis of the research on risk management of entrusted loan project in Shenyang Branch of Huaxia Bank, this paper puts forward corresponding guidance suggestions. This paper is divided into three parts. The first part is the introduction, which describes the background and significance of the topic, and summarizes the relevant research literature in China and abroad, and points out the research ideas and framework, research methods and innovation points of this paper. The second part is divided into the second chapter to the fourth chapter. The second chapter, commission loan project risk identification and risk evaluation. Firstly, it explains the development process of entrusted loan project risk and the classification of principal loan project risk. Secondly, it elaborates the evaluation and analysis of entrustment loan project risk, which lays a solid theoretical foundation for the research of this paper. The third chapter, Huaxia Bank entrusted loan project risk control scheme design. This paper first introduces the risk control evaluation of the entrusted loan project of Huaxia Bank, then expounds the risk assessment mode of the entrusted loan project of Huaxia Bank, and discusses the risk factors of the entrusted loan project in Shenyang Branch of Huaxia Bank. Then, the risk control scheme of entrusted loan project in Shenyang Branch of Huaxia Bank is described in detail, which lays a theoretical foundation for the model building of this paper. The fourth chapter, Huaxia Bank entrusts the loan project risk factor. Firstly, the paper describes the risk control method of entrusted loan project in Huaxia Bank, and analyzes the risk control and emergency plan of entrusted loan project in Huaxia Bank. Finally, the conclusion of this paper is given. Therefore, based on the important thought of modern risk management theory, the paper draws lessons from the theory, method and technology of risk management in the field of Chinese and western finance, and combines the practical application of entrusted loan risk management in Shenyang Branch of Huaxia Bank. By constantly improving the risk management system for entrusted loan projects, we hope that it can effectively prevent and defuse the risks of entrusted loan projects for the Shenyang Branch of Huaxia Bank and the entire financial field, and contribute to the effective operation of entrusted loans. To enhance the competitiveness of the industry and promote the healthy development of banks.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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