工商银行A市分行信贷风险管理研究

发布时间：2018-01-09 10:38

本文关键词：工商银行A市分行信贷风险管理研究　出处：《东北大学》2014年硕士论文　论文类型：学位论文

【摘要】：2008年全球经济危机,其中欧美等国家受经济危机影响尤其严重,这次经济危机的主要原因是“次贷危机”引起银行的信贷风险。我国银行国家监管程度比较高,在经济危机中受到的影响相对来说比较小。但是这种银行管理方式同样暴露出我国银行在信贷风险管理方面的不足,其面对信贷风险过于依赖国家宏观调控,缺少自身的积极有效的应对方式,不能充分发挥银行自身的作用,同样是不适合银行在市场经济背景下长远发展的表现。在此背景下,以工商银行A市分行为例,讨论我国银行信贷风险管理情况,明确其信贷风险管理模式以及存在的问题,并提出解决措施,对于我国银行信贷风险管理具有积极作用。促进工商银行A市分行的长远发展,保证其在市场竞争中具有优势,首先需要充分研究其信贷管理方式,有效降低其信贷风险,提高工商银行A市分行的资产质量,增加工商银行A市分行的盈利能力,才能够保证工商银行A市分行具有强有力的竞争优势,才能够保证其能够在本市乃至于本省的竞争中脱颖而出。因此,本文通过研究工商银行A市分行信贷风险的现状、存在的问题以及产生问题的原因分析,对应的提出解决策略,主要是为了提高工商银行A市分行的市场竞争能力,促进其健康、高效的发展。本文研究的主要结论如下：(1)工商银行A市分行信贷风险管理中存在信贷风险管理组织结构不合理,信贷风险管理人员能力不足,审批效率不高以及贷款质量分类存在过于主观,缺乏科学依据的问题。(2)工商银行A市分行信贷风险管理的问题是由于工商银行A市分行的内部原因以及外部原因共同导致的。就内部原因来说,其信贷风险管理体制以及制度不够健全,贷款管理人员素质不足,管理过程不够规范等。就外部原因来说,当前我国存在社会信用环境缺失,国家监管体制不健全,我国宏观调控政策以及地方政府的政策导致工商银行A市分行出现信贷风险等。(3)工商银行A市分行的信贷风险管理中,应该创新管理组织,完善管理流程,改进信贷资产质量,加强风险管理的体系建设以及改变不良资产治理方式等。工商银行A市分行通过这些措施改善自身信贷风险管理方式的同时,国家以及社会还应该提供有力的外部条件,通过完善社会信用体系建设,完善国家信贷监管体系建设等方式,促进工商银行A市分行信贷风险管理能够向健康的方向发展。
[Abstract]:In 2008 the global economic crisis, the European and American countries affected by the economic crisis is particularly serious, the main reason of the crisis is "subprime crisis" caused by the bank's credit risk. The extent of the country banking supervision in China is relatively high, affected by the economic crisis in relatively small. But the bank management also exposed the lack of me in the bank "s credit risk management, credit risk is too dependent on the face of the national macro-control, the lack of positive coping style, can not fully play its role in the same bank, the bank is not suitable for the long-term development in the background of market economy. Under this background, the industrial and Commercial Bank of A City branch as an example. To discuss the risk management of bank credit in our country, the credit risk management mode and existing problems, and puts forward measures for China's Bank Credit The risk management plays a positive role in promoting long-term development. The industrial and Commercial Bank of A City branch, ensure that it has the advantage in the market competition, first need to fully study the credit management mode, effectively reduce the credit risk, improve the industrial and Commercial Bank of A City branch of the asset quality, increase the industrial and Commercial Bank of A City branch profitability, to ensure business bank A branch has a strong competitive advantage, to ensure it can in the city and in the province in the competition of talent shows itself. Therefore, the present situation of credit risk of commercial bank A branch, analysis of existing problems and the causes of the problems, put forward corresponding strategies, mainly to improve the business A City branch of bank market competition ability, promote the healthy and efficient development. The main conclusions of this paper are as follows: (1) there are industrial and Commercial Bank of A City Branch credit risk management Credit risk management organization structure is not reasonable, credit risk management ability is insufficient, the examination efficiency is not high and the loan quality classification is too subjective, lack of scientific basis. (2) the credit risk management of Commercial Bank of A City branch of the problem is due to the internal causes of the industrial and commercial Bank of A City branch and external reasons leading to it. The internal reasons for the credit risk management system and the system is not perfect, the loan management personnel quality problem, management process is not normative. The external reasons, the current lack of social credit environment in our country, the national regulatory system is not perfect, China's macro-control policy and the policy of local government in the industrial and Commercial Bank of A City Branch credit risk. (3) the credit risk management of Commercial Bank of A City branch, should innovate management organization, improve the management process, improve the credit quality of assets, and Strong risk management system construction and change the governance of non-performing assets. The industrial and Commercial Bank of A City branch through these measures to improve their credit risk management methods at the same time, the state and society should also provide strong external conditions, through the improvement of the construction of social credit system, perfect the construction of national credit supervision system, promote the credit risk management of commercial bank A City branch to develop to the healthy direction.

【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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