浙商银行不良贷款风险成因与防范措施研究

发布时间：2018-01-30 16:16

本文关键词： 浙商银行不良贷款风险成因控制措施　出处：《西安科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：浙商银行作为一家股份制银行，与中国其他商业银行一样，也存在着较严重的不良贷款风险问题，如何有效防范不良贷款风险是政府和银行普遍关注的热点问题。为此，本文在对国内外相关研究现状进行综述的基础上，采用实证研究方法对浙商银行不良贷款风险成因与防范措施进行了较深入的分析。主要的研究工作和结论如下：（1）简要概述了与不良贷款风险相关的理论，分析了美国、瑞典和日本等先进国家商业银行不良贷款处理和风险防范的经验，为后续研究奠定了理论基础。（2）在分析浙商银行不良贷款风险管理现状基础上，将浙商银行信贷风险分为道德风险、操作风险、信用风险和市场风险。（3）采用问卷调查方法针对浙商银行不良贷款中存在的四种风险所产生的原因进行了分析，发现：造成道德风险的主要原因是薪酬制度不合理、违规成本低和培训不到位；造成信用风险的主要原因是信用环境差、蓄意欺诈以及评级机制不科学；造成操作风险的主要原因是制度不完善和人员素质差；造成市场风险的主要原因是信贷投向单一和管理组织不健全。（4）提出了浙商银行不良贷款风险控制措施，，主要包括：风险控制的指导思想和基本原则以及加强道德建设、完善激励机制、加大问责力度，规范操作流程、提高人员素质，加强宣传提高认识、构建信用评价体系，丰富业务类型、完善组织架构、创新服务方式等四个方面的10项风险控制措施。尤其是构建的基于AHP的信用评价体系对于控制信用风险具有较好的指导价值。
[Abstract]:As a joint-stock bank, Zhejiang Commercial Bank, like other commercial banks in China, also has a serious problem of non-performing loan risk. How to effectively prevent the risk of non-performing loans is a hot issue that the government and banks are generally concerned about. Therefore, this paper summarizes the current situation of research at home and abroad. The causes and preventive measures of non-performing loan risk of Zhejiang merchant bank are analyzed by using empirical research method. The main research work and conclusions are as follows: This paper briefly summarizes the theories related to the risk of non-performing loans, and analyzes the experiences of the commercial banks in the United States, Sweden and Japan in dealing with non-performing loans and preventing the risks. It lays a theoretical foundation for further research. On the basis of analyzing the current situation of non-performing loan risk management of Zhejiang merchant bank, the credit risk of Zhejiang merchant bank is divided into moral hazard, operational risk, credit risk and market risk. The author analyzes the causes of the four kinds of risks in the non-performing loans of Zhejiang merchant bank by questionnaire, and finds out that the main reason of moral hazard is the unreasonable salary system. Low cost of violation and inadequate training; The main causes of credit risk are poor credit environment, deliberate fraud and unscientific rating mechanism. The main causes of operational risk are imperfect system and poor quality of personnel. The main causes of market risk are single credit investment and unsound management organization. 4) put forward the risk control measures of non-performing loan of Zhejiang merchant bank, mainly include: the guiding ideology and basic principle of risk control, strengthening moral construction, perfecting incentive mechanism and increasing accountability. Standardize the operation process, improve the quality of personnel, strengthen publicity and awareness, build a credit evaluation system, enrich the types of business, and improve the organizational structure. In particular, the credit evaluation system based on AHP has good guiding value for controlling credit risk.
【学位授予单位】：西安科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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