经济新常态下中小银行信贷风险管理研究

发布时间：2018-12-30 17:34

【摘要】：商业银行作为现代金融体系的核心,是经济经济运转的枢纽。对于商业银行来说,信贷风险管理是风险管理中难度最大的领域,信贷风险的有效管理将直接影响商业银行的稳健经营,进而影响金融体系的稳定性。当前,随着供给侧改革大幕的拉开,我国商业外部经营环境发生了很大变化,经济新常态对商业银行信贷风险管理带来机遇与挑战。当前互联网金融快速发展,利率市场化稳步推进,银行信贷风险管理影响因素更为复杂。特别是我国的中小银行,资产规模决定了其风险承受能力相对较弱,加之前几年信贷业务的不合理扩张,导致当前我国中小银行信贷资产质量不容乐观。解决中小银行信贷风险管理中存在的问题,提高中小银行信贷风险管理水平,促进金融稳定,显得尤为重要。本文在研究了商业银行信贷风险管理相关理论、经济新常态相关理论以及国内外文献的基础上,首先从流程设计、组织结构、管理方法三个方面梳理了当前我国中小银行信贷风险管理的现状,从现状出发,发现经济新常态下中小银行信贷风险管理存在四个方面的问题:信贷资产过于集中、内部控制力度不足、风险管理组织结构不合理、风险管理方法落后。其次分析了经济新常态下中小银行信贷风险管理面临的机遇与挑战。最后结合新常态这一外部环境,提出了相应的对策建议,以期我国的中小银行在实现稳健经营的同时,助力供给侧改革与经济转型发展。
[Abstract]:As the core of modern financial system, commercial banks are the hub of economic operation. For commercial banks, credit risk management is the most difficult area in risk management. The effective management of credit risk will directly affect the stable operation of commercial banks and then the stability of financial system. At present, with the development of supply-side reform, great changes have taken place in the external business environment of our country, and the new normal economy brings opportunities and challenges to the credit risk management of commercial banks. With the rapid development of Internet finance and the steady advance of interest rate marketization, the influencing factors of bank credit risk management are more complicated. Especially for the small and medium-sized banks in our country, the scale of assets determines their risk bearing ability is relatively weak, and the unreasonable expansion of credit business in the past few years leads to the current credit assets quality of the small and medium-sized banks in our country is not optimistic. It is very important to solve the problems existing in the credit risk management of small and medium-sized banks, to improve the credit risk management level of small and medium-sized banks and to promote financial stability. On the basis of studying the relevant theories of credit risk management of commercial banks, economic new normal theory and domestic and foreign literature, this paper first from the process design, organizational structure, Three aspects of management methods combing the current situation of credit risk management of small and medium-sized banks in China, from the current situation, we find that there are four problems in credit risk management of small and medium-sized banks under the new normal state of economy: credit assets are too concentrated. The internal control is insufficient, the risk management organization structure is unreasonable, the risk management method is backward. Secondly, the paper analyzes the opportunities and challenges of credit risk management of small and medium banks under the new normal economy. Finally, combined with the external environment of the new normal, the corresponding countermeasures and suggestions are put forward in order to help the supply-side reform and the economic transformation and development of the small and medium-sized banks in China.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

【参考文献】