中国农业银行东营分行信贷风险控制问题研究

发布时间：2018-01-25 01:23

本文关键词： 信贷风险控制中国农业银行东营分行综合评价机制贷后管理　出处：《中国石油大学(华东)》2014年硕士论文　论文类型：学位论文

【摘要】：本文以我国商业银行存在的特殊性和其目前所处的发展阶段为背景进行分析,对国内外最先进的关于商业银行信贷风险控制问题的研究方法、文献资料进行了总结,介绍了本文的主要内容和研究方法。在理论分析部分,论文重点介绍了该行的历史沿革和当前经营情况,概括了中国农业银行东营分行的由来、发展历程和特点,对中国农业银行东营分行信贷风险控制、东营经济及该行信贷资产的现状进行了概括描述。引入综合评价机制来对中国农业银行东营分行的整个信贷风险控制过程进行评价分析,找出该行在信贷风险控制中存在的问题及问题的解决思路是论文的主要内容。该部分详细分析了中国农业银行东营分行信贷风险控制的全过程,依据COSO机制建立一个综合评价机制,依据中国人民银行、银行业协会的具体要求和详细规定,以专家评价法为基础,将各方面的评价指标综合成了四个关键指标,分别选取了内部控制评价指数、风险识别与风险评估评价指数、内部控制措施评价指数、监督评价指数,对东营分行信贷风险控制进行综合评价,通过评价结果发现当前信贷风险控制方面存在的突出问题,分析其成因,并针对东营分行风控的进一步完善提出了自己的改进措施。
[Abstract]:Based on the particularity of the existence of commercial banks in our country and their current stage of development, this paper analyzes the most advanced research methods of credit risk control of commercial banks at home and abroad. The literature is summarized, the main contents and research methods of this paper are introduced. In the theoretical analysis part, the paper focuses on the history and current management of the bank. This paper summarizes the origin, development course and characteristics of Dongying Branch of Agricultural Bank of China, and controls the credit risk of Dongying Branch of Agricultural Bank of China. Dongying economy and the current situation of the bank's credit assets are described, and the comprehensive evaluation mechanism is introduced to evaluate and analyze the whole credit risk control process of Dongying Branch of Agricultural Bank of China. It is the main content of the thesis to find out the problems existing in the credit risk control of the bank and to solve the problems. This part analyzes the whole process of credit risk control in Dongying Branch of Agricultural Bank of China in detail. According to the COSO mechanism to establish a comprehensive evaluation mechanism, according to the people's Bank of China, banking association specific requirements and detailed provisions, based on the expert evaluation method. The evaluation index of internal control, risk identification and risk evaluation index, internal control measure evaluation index and supervision evaluation index are selected respectively. Comprehensive evaluation of Dongying Branch credit risk control, through the evaluation results to find out the current credit risk control problems, analysis of its causes. And the further improvement of risk control in Dongying Branch is put forward.
【学位授予单位】：中国石油大学(华东)
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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