兴业银行贷后管理优化研究

发布时间：2018-01-31 19:49

本文关键词： 兴业银行贷后管理优化　出处：《华侨大学》2017年硕士论文　论文类型：学位论文

【摘要】：商业银行在其经营过程中一定会产生较多风险,其中信贷是商业银行的主要收入来源之一,而信贷管理中,贷后管理是最复杂的部分。随着目前金融市场对银行业内部管理方面的要求越来越高,兴业银行作为商业银行之一,应当着重对贷后管理如何完善的问题做进一步思考。本文以兴业银行的贷后管理分析入手,分析兴业银行贷后管理现状,进而剖析其主要存在的问题,主要包括以下几个方面问题:贷后管理工作目标不明晰;贷后管理制度不完善;贷后管理考核机制不科学、完善;贷后管理人才匮乏。。在此基础上,借鉴国内外商业银行贷后管理经验借鉴。最后,提出兴业银行贷后管理优化措施。兴业银行要建立风险管理提前介入机制,有效加强信贷风险管理,本文认为要从以下几个方面着手:制定良好的信贷介入机制;建立信贷风险管理预防和约束机制;对信贷客户进行分类管理;建立贷后风险预警机制。要在以下几个方面做好信贷风险干预预防:在行业内营造良好的信贷风险管理氛围、优化信贷业务管理流程和架构、加强信贷人才队伍建设、加强风险预警信息系统管理、重视贷后管理效果评价。
[Abstract]:Commercial banks will certainly produce more risks in the course of their operation, in which credit is one of the main sources of income of commercial banks, while in credit management. Post-loan management is the most complex part. With the increasing demands of the financial market on the internal management of the banking industry, SocGen Bank is one of the commercial banks. We should focus on how to improve the post-loan management. This paper starts with the post-loan management analysis of Industrial Bank, analyzes the current situation of the post-loan management of Industrial Bank, and then analyzes its main problems. It mainly includes the following aspects: the objectives of post-loan management are not clear; The management system after loan is not perfect; The examination mechanism of management after loan is not scientific and perfect; On this basis, draw lessons from the domestic and foreign commercial banks after loan management experience. Finally, put forward the post-loan management optimization measures of Societe Generale Bank. Societe Generale Bank should establish risk management intervention mechanism in advance. In order to effectively strengthen credit risk management, this paper thinks that we should start from the following aspects: to establish a good credit intervention mechanism; Establish credit risk management prevention and restraint mechanism; To manage the credit customers into different categories; To establish a post-loan risk warning mechanism. In the following aspects to do a good job in the prevention of credit risk intervention: in the industry to create a good climate of credit risk management, optimize the credit business management process and structure. Strengthen the construction of credit talent team, strengthen the management of risk early warning information system, attach importance to the evaluation of the effect of post-loan management.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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