中国银行某支行信贷项目风险管理流程优化研究

发布时间：2018-01-27 07:53

本文关键词： 银行信贷项目风险管理流程优化　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：2007年8月,美国次级抵押贷款市场动荡引发金融危机,并逐渐影响到全球主要金融市场,从而使国际金融市场出现了“信贷紧缩效应”,进而导致全球经济危机爆发。随后希腊陷入国家债务危机,整个欧洲市场陷入了由信贷危机引发的连锁风险中。这警示我国要想使金融市场得以长久稳健的发展,就必须控制住商业银行信贷项目的风险。改革开放将近40年的时间,我国改革进入了深水阶段。2006年6月6日,国资委通过其颁布的《中央企业全面风险管理指引》来要求和引导中央企业建立比较完善的全面风险管理体系,但成效甚微。从中国银监会2016年2月15日出具的《2015年度商业银行主要监管指标情况表(季度)》就可以看出,仅2015年商业银行不良贷款率和不良贷款余额就在逐渐增加,不良贷款余额和不良贷款率作为衡量商业银行信贷项目风险的重要指标,反映了商业银行信贷项目的风险管理问题。本文以信贷项目风险管理国内外理论为基础,通过分析国外商业银行信贷项目风险管理的优秀经验,包括英国汇丰银行、美国花旗银行和日本三菱东京日联银行的优秀风险管理经验,以中国银行某支行为例分析其信贷项目风险管理中的现状和存在的问题,从信贷风险管理流程和贷款分类级别的角度切入,对其存在的问题提出了合理化建议,包括完善内部客户信用等级评价指标体系,做好贷前监测和风险审查,贷中完善内部控制建设和信贷项目跟踪预警机制,贷后完善全面持续高效的风险控制制度。提出自己对该行信贷风险管理流程优化的观点,并希望对其他商业银行信贷风险的防控有所帮助。
[Abstract]:In August 2007, the turmoil of American subprime mortgage market triggered the financial crisis, and gradually affected the main financial markets in the world, thus making the international financial market appear "credit tightening effect". In turn, the global economic crisis broke out. Then Greece fell into a national debt crisis. The whole European market is caught in the chain risk caused by the credit crisis, which warns our country to make the financial market develop steadily for a long time. It is necessary to control the risk of commercial bank credit projects. After nearly 40 years of reform and opening up, China's reform has entered the deep water stage. June 6th 2006. SASAC through its "Central Enterprise Comprehensive risk Management guidelines" to request and guide the central enterprise to establish a relatively complete comprehensive risk management system. However, little has been achieved, as can be seen from the CBRC's statement of key Supervision indicators for Commercial Banks for the year 2015 (quarterly) issued on February 15th 2016. In 2015 alone, the non-performing loan ratio and the non-performing loan balance of commercial banks are gradually increasing, and the non-performing loan balance and non-performing loan ratio are regarded as important indicators to measure the risk of commercial banks' credit projects. This paper based on the theory of credit project risk management at home and abroad, through the analysis of foreign commercial bank credit project risk management experience. Including the excellent risk management experience of HSBC Bank, Citibank of America and Mitsubishi Tokyo Union Bank of Japan, taking a branch of Bank of China as an example, this paper analyzes the present situation and existing problems in risk management of credit project. From the perspective of credit risk management process and loan classification level, the paper puts forward some reasonable suggestions on the existing problems, including perfecting the internal customer credit rating evaluation index system, doing a good job of pre-loan monitoring and risk review. To perfect the internal control construction and the early warning mechanism of the credit project tracking and warning, and to perfect the comprehensive, sustainable and efficient risk control system after the loan, the author puts forward his own view on the optimization of the credit risk management process of the bank. And hope to other commercial banks credit risk prevention and control help.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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