ZX银行信贷风险管理问题探讨

发布时间：2019-06-11 04:26

【摘要】：自我国入世以来,对外经济逐步开放,我国的金融业也受到国际经济形势的影响。当前,银行仍是我国金融业的主要构成,而信贷业务仍旧是商业银行的主营业务,是其主要的盈利方式。然而,商业银行依靠信贷资产获得收益,同时又不可避免地承受一定的风险。因此,商业银行的信贷风险管理问题不容忽视,信贷风险管理的成功与否不仅仅关系到银行自身经营业绩的好坏,甚至会影响整个金融行业的长期平稳发展。当前,国内金融政策的改革和调整以及国外金融环境的盘中错杂,使得银行业的信贷资产管理面临巨大的挑战。在此形势下,从我国商业银行长远发展的角度来看,拥有一套科学有效的信贷风险管理机制是十分必要的。目前,国内外学者多着重于从宏观角度对整个银行业的信贷风险管理体系进行共性研究,但是将某一个具体的商业银行作为个案来进行的研究仍然较少。而ZX银行作为一家实力强劲的商业银行,在快速发展的同时,其不良贷款率仍然持续攀升,信贷风险事故时有发生,这暴露出了ZX银行信贷风险管理的一些弊端。故本文以ZX银行为例,对其信贷风险管理问题进行探讨,具有一定的理论实践意义。本文选取ZX银行作为案例研究对象,采用将理论依据与实际案例相结合的研究方法,对信贷风险管理问题进行探讨。首先,介绍相关的理论知识,为下文的案例研究做铺垫。然后,本文基于理论基础对ZX银行的信贷风险管理现状进行分析,揭示其存在的问题及其成因。最后,本文采用比较分析法,在比较和借鉴国内外商业银行先进的信贷风险管理机制的基础上,结合ZX银行的实际情况,有针对性地提出改进ZX银行信贷风险管理的对策。正文共分为六部分。第一章引言部分。介绍本文的研究背景与意义、国内外研究现状、研究思路与方法以及本文的主要内容与框架。第二章对商业银行信贷风险管理的相关理论进行概述。本章,先介绍信贷风险管理的内涵与目标,再介绍商业银行信贷风险管理的内容、策略以及流程。第三章从ZX银行贷款业务的经营和财务概况、信贷风险管理组织体系、信贷风险形成的原因以及信贷风险管理的措施四方面来对ZX银行的信贷风险管理现状进行分析。第四章基于上一章对ZX银行信贷风险管理现状的分析,揭示ZX银行在信贷风险计量技术、信贷风险管理组织体制、贷后管理以及信贷信息交流这四个方面存在的问题并分析其成因。第五章从信贷风险度量方法和信贷风险管理制度两个方面介绍了国内外商业银行信贷风险管理的先进经验。第六章基于ZX银行信贷风险管理的现状和国内外的先进经验,建议ZX银行从优化信贷风险度量技术、完善信贷风险管理组织体系、加强银行贷后管理以及提高信贷信息交流效率这四个方面来完善其信贷风险管理。本文结合经济和金融的现实宏观环境,采用理论研究和案例研究相结合的研究方法,基于ZX银行信贷风险管理的现状和其正面临的问题,借鉴国内外商业银行先进的信贷风险管理经验,为ZX银行信贷风险管理提出改进建议。本文通过考虑商业银行在信贷风险管理上的共性特征和案例研究对象的独特性,对商业银行信贷风险管理这一论题进行分析和探讨,希望能够为该论题提供一定的智力支持。
[Abstract]:Since China's entry into WTO, the external economy is gradually open, and the financial industry of our country is also affected by the international economic situation. At present, the bank is still the main component of the financial industry of our country, and the credit business is still the main business of the commercial bank, it is its main profit mode. Commercial banks, however, rely on credit assets to gain income while inevitably bearing a certain risk. Therefore, the problem of credit risk management of commercial banks should not be ignored. The success of credit risk management is not only related to the performance of the bank itself, but even the long-term and stable development of the whole financial industry. At present, the reform and adjustment of domestic financial policy, as well as the foreign financial environment, makes the bank's credit asset management face a great challenge. In this situation, it is necessary to have a set of scientific and effective credit risk management mechanism from the perspective of the long-term development of our commercial banks. At present, the domestic and foreign scholars focus on the general research of the credit risk management system of the whole banking industry from the macro perspective, but the research of a specific commercial bank as a case is still less. The bank of ZX, as a strong commercial bank, has been developing rapidly, and the non-performing loan rate of the bank is still rising, and the credit risk accident happens frequently, which exposes some of the disadvantages of the credit risk management of the ZX bank. Therefore, taking ZX bank as an example, this paper discusses the problem of credit risk management, and has some theoretical and practical significance. In this paper, ZX bank is selected as the object of case study, and the research method of combining the theoretical basis and the actual case is adopted, and the problem of credit risk management is discussed. First, the relevant theoretical knowledge is introduced, and the following case studies are laid. Then, the paper analyzes the present situation of credit risk management of ZX bank based on the theoretical basis, and reveals the existing problems and its causes. Finally, on the basis of comparing and using the advanced credit risk management mechanism of the domestic and foreign commercial banks, this paper puts forward some measures to improve the credit risk management of the ZX bank in the light of the actual situation of the ZX bank. The text is divided into six parts. Chapter I Introduction. This paper introduces the research background and significance of this paper, the present situation of research and abroad, the research thoughts and methods, as well as the main contents and framework of this paper. The second chapter provides an overview of the theory of credit risk management in commercial banks. This chapter first introduces the connotation and goal of credit risk management, and then introduces the content, strategy and process of credit risk management of commercial bank. The third chapter analyzes the current situation of credit risk management of ZX Bank from the operating and financial situation of the ZX bank loan business, the credit risk management organization system, the reason of credit risk formation and the measures of credit risk management. The fourth chapter is based on the analysis of the current situation of credit risk management of ZX bank based on the previous chapter, and reveals the problems existing in the four aspects of credit risk measurement technology, credit risk management organization system, post-loan management and credit information exchange in ZX Bank and analyzes the cause. The fifth chapter introduces the advanced experience of credit risk management at home and abroad from two aspects of credit risk measurement method and credit risk management system. The sixth chapter is based on the present situation of the credit risk management of the ZX bank and the advanced experience at home and abroad, and it is suggested that the ZX Bank should perfect the credit risk measurement technology and improve the credit risk management organization system. To improve the management of credit risk management and to improve the exchange efficiency of credit information. In the light of the real macro-environment of economy and finance, this paper adopts the research method of the combination of the theory research and the case study, based on the present situation of the credit risk management of the ZX bank and the problems it is facing, using the advanced credit risk management experience of the domestic and foreign commercial banks, Improve that credit risk management of the ZX bank. This paper analyzes and discusses the topic of credit risk management of commercial banks by taking into account the common characteristics of commercial banks in credit risk management and the uniqueness of the case study objects, and it is hoped that some intellectual support can be provided for this thesis.
【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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