越南商业银行信贷风险管理问题研究
发布时间：2018-07-16 19:44
【摘要】：越南经济改革开放之后,特别从2007年越南加入世界贸易组织以来,越南商业银行迅速发展,至今已有20多年的发展历史。越南国内现共有5家国有商业银行、37家股份制商业银行和其他外国与合资银行。在越南的商业银行规模扩大的同时,信贷业务也不断扩大。银行信贷扩大将给银行带来更多的盈利,但与此同也潜在很多风险,因此,本文认为健全商业银行信贷风险管理系统是越南各家商业银行的首要任务。本文的研究,对于深刻认识越南商业银行信贷风险管理现状,探讨优化越南商业银行信贷风险管理系统的策略具有重要的现实意义。本文首先从商业银行信贷风险及信贷风险管理的一般理论出发,从理论到实践,研究越南商业银行信贷风险现状及其原因;随后将研究越南商业银行信贷风险管理现状及其存在缺陷,最后为了解决以上目前越南商业银行存在的诸如:风险识别意识不强,大部分没有设立科学、符合的信贷政策和规程,银行贷款监察职能不清,以及银行内部管理体制的不完善等问题,本文在借鉴国外先进管理的经验上,结合越南商业银行的实际情况,提出政府立法银行规避风险、提高银行风险管理意识、健全体制提升管理水平、建立风险管理程序、建立风险识别评估体系等方面的建议和对策。
[Abstract]:Since Vietnam's economic reform and opening up, especially since Vietnam joined the World Trade Organization in 2007, Vietnam commercial bank has developed rapidly and has been developing for more than 20 years. There are 5 state-owned commercial banks in Vietnam, 37 joint-stock commercial banks and other foreign and joint venture banks. The expansion of credit business is also expanding. The expansion of bank credit will bring more profit to the bank, but there are many potential risks. Therefore, this paper thinks that it is the primary task of the Vietnamese commercial banks to improve the credit risk management system of commercial banks. It is of great practical significance to discuss the strategy of optimizing the credit risk management system of Vietnam commercial bank. First, from the general theory of credit risk and credit risk management of commercial banks, this paper studies the current situation and reasons of the credit risk of Vietnam commercial bank from theory to practice. At last, in order to solve the problems existing in the current Vietnamese commercial banks, such as the lack of awareness of risk identification, most of the credit policies and regulations that have not been set up, the supervision function of the bank loan is not clear, and the internal management system of the bank is not perfect, this article is based on the experience of advanced foreign management. According to the actual situation of Vietnam commercial bank, it puts forward some suggestions and Countermeasures to avoid risk, improve the risk management consciousness of the bank, improve the management level of the system, establish the risk management procedure, and establish the risk identification and evaluation system.
【学位授予单位】：重庆师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F831.2
本文编号：2127475
[Abstract]:Since Vietnam's economic reform and opening up, especially since Vietnam joined the World Trade Organization in 2007, Vietnam commercial bank has developed rapidly and has been developing for more than 20 years. There are 5 state-owned commercial banks in Vietnam, 37 joint-stock commercial banks and other foreign and joint venture banks. The expansion of credit business is also expanding. The expansion of bank credit will bring more profit to the bank, but there are many potential risks. Therefore, this paper thinks that it is the primary task of the Vietnamese commercial banks to improve the credit risk management system of commercial banks. It is of great practical significance to discuss the strategy of optimizing the credit risk management system of Vietnam commercial bank. First, from the general theory of credit risk and credit risk management of commercial banks, this paper studies the current situation and reasons of the credit risk of Vietnam commercial bank from theory to practice. At last, in order to solve the problems existing in the current Vietnamese commercial banks, such as the lack of awareness of risk identification, most of the credit policies and regulations that have not been set up, the supervision function of the bank loan is not clear, and the internal management system of the bank is not perfect, this article is based on the experience of advanced foreign management. According to the actual situation of Vietnam commercial bank, it puts forward some suggestions and Countermeasures to avoid risk, improve the risk management consciousness of the bank, improve the management level of the system, establish the risk management procedure, and establish the risk identification and evaluation system.
【学位授予单位】：重庆师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F831.2
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