HX银行南昌分行信贷风险管理策略研究

发布时间：2018-03-02 05:34

本文关键词： 商业银行信贷风险不良贷款案例研究　出处：《南昌大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的不断发展，利率市场化进程的不断加快，同时在金融行业不断进行深入改革的背景下，金融行业所面对的金融发展环境也在持续的变化，商业银行的信贷资产风险管控压力不断加大，风险暴露开始增加，性质也更为错综复杂。各类银行在坚持业务转型发展的同时，也在不断强化风险管理水平与内部监控体系建设，迫切需要一种较为完善的风险管理体系和风险管理手段。而信贷风险管理是商业银行风险管理中较关键内容之一，建立一个针对具体的中小银行特点和实际问题的信贷风险管理体系是一项非常重要且困难的课题。本文在梳理商业银行信贷风险管理的相关理论基础上，对HX银行南昌分行信贷风险管理现状进行了描述和总结，并充分分析了该行在信贷风险管理中出现的问题，以及问题产生的原因。最后在理论指导的基础上有针对性地提出相应的措施。通过案例研究的结果丰富和完善中小商业银行在信贷风险管理的实际操作中应坚持的原则，管理系统制定的流程，，以及需要制定的一系列的配套措施以保证信贷风险管理的顺利实施。
[Abstract]:With the continuous development of our economy, the process of interest rate marketization is accelerating, at the same time, under the background of the continuous in-depth reform of the financial industry, the financial development environment faced by the financial industry is also continuously changing. Commercial banks are under increasing pressure to manage and control the risks of credit assets. The exposure to risks is increasing, and the nature is more complicated. All kinds of banks insist on business transformation and development at the same time. The construction of risk management level and internal monitoring system is also being strengthened constantly, which urgently needs a more perfect risk management system and risk management means, and credit risk management is one of the key contents in the risk management of commercial banks. It is a very important and difficult task to establish a credit risk management system aiming at the characteristics and practical problems of small and medium-sized banks. On the basis of combing the relevant theories of credit risk management of commercial banks, this paper describes and summarizes the present situation of credit risk management in Nanchang Branch of HX Bank, and fully analyzes the problems in credit risk management of HX Bank. Finally, on the basis of theoretical guidance, the corresponding measures are put forward. The results of the case study enrich and perfect the principles that small and medium-sized commercial banks should adhere to in the practical operation of credit risk management. The process of management system, and a series of necessary measures to ensure the smooth implementation of credit risk management.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【参考文献】