建行C市分行信贷风险管理研究

发布时间：2018-03-11 04:13

本文选题：信贷风险管理　切入点：内部审计　出处：《河北大学》2017年硕士论文　论文类型：学位论文

【摘要】：建行C市分行在2012年贷款风险管理制度改革中,要求提高贷款风险与管理的监督与预防职能,建立“垂直为主,分级为辅”的贷款风险管理方法,强化贷款风险管理的统一管理模式;在贷款风险管理中,引入计算机辅助系统,开展贷款风险的全面管理,提高贷款风险管理的工作效率以及管理效果,及时发现贷款风险管理中的问题并提出风险防范措施。建行C市分行作为HB省建行的市级机构,在HB省建行的贷款风险管理规划下,开展新的贷款风险管理创新并取得了一定的成效,但是在具体管理中,仍旧存在风险管理体系不健全,风险管理难以全面反映建行C市分行信贷风险的实际情况等问题。因此建行C市分行在贷款风险管理中,应该进一步完善风险管理制度、方法以及保障措施,促进银行风险管理战略目标的实现。这样的背景下,本文对于建行C市分行信贷风险管理现状、问题进行研究,并提出解决措施,指导建行C市分行信贷风险管理体系的完善发展。本文重点研究建行C市分行信贷风险管理存在的问题以及导致问题的原因,并以建行C市分行面向中小企业的信贷风险管理为案例,明确信贷风风险管理的实际运行情况,根据其信贷风管管理以及具体案例分析,提出建行C市分行信贷风险管理的工作流程以及技术方法,以提高其信贷风险管理的管理质量和管理效率,完善建行C市分行的信贷风险控制能力,提高银行综合竞争力。本文主要包括以下几个部门的内容,第一章,绪论,对选题的背景、意义进行介绍,对论文研究思想、方法提出有关意见;第二章,理论综述以及概念,主要阐述相关概念的界定和信贷风险管理的理论基础;第三章是建行C市分行信贷风险管理现状分析,简要介绍建行C市分行概况和现代风险现状,以中型房地产企业贷款中的信贷风险审计为案例,分析信贷风险管理具体操作流程与存在的问题。第四章是建行C市分行信贷风险管理存在问题及原因分析,查找问题产生原因;第五章是完善建行C市分行信贷风险管理实施的对策建议,包括信贷风险管理实施步骤和程序、管理成果转化利用原则和实施的技术手段;第六章是结论和展望。
[Abstract]:In 2012, in the reform of loan risk management system, CCB City C Branch requested to improve the supervision and prevention function of loan risk and management, and to establish a loan risk management method, which is "vertical and classified as auxiliary". Strengthen the unified management mode of loan risk management, introduce computer aided system in loan risk management, carry out the overall management of loan risk, improve the work efficiency and management effect of loan risk management, Discover problems in loan risk management in time and put forward risk prevention measures. As the municipal organization of HB Province Construction Bank, CCB C City Branch, under the loan risk management plan of HB Provincial Construction Bank, The new loan risk management innovation has made some achievements, but in the concrete management, the risk management system is still not perfect. Risk management is difficult to fully reflect the actual situation of credit risk in CCB City C branch. Therefore, CCB City C Branch should further improve its risk management system, methods and safeguard measures in its loan risk management. To promote the realization of the strategic goal of bank risk management. In this context, this paper studies the current situation and problems of credit risk management in CCB C branch, and puts forward some measures to solve the problem. To guide the development of credit risk management system of CCB C branch. This paper focuses on the problems and causes of credit risk management in CCB C branch. Taking the credit risk management of CCB C City Branch for small and medium-sized enterprises as an example, this paper clarifies the actual operation of credit risk management, and analyzes the specific cases according to its credit risk management. In order to improve the quality and efficiency of credit risk management and improve the credit risk control ability of CCB C branch, the paper puts forward the work flow and technical method of credit risk management of CCB C branch. This article mainly includes the following several departments content, the first chapter, the introduction, carries on the introduction to the topic background, the significance, puts forward the related opinion to the thesis research thought, the method; the second chapter, the theory summary and the concept, The definition of related concepts and the theoretical basis of credit risk management are mainly expounded. Chapter three is the analysis of the current situation of credit risk management in CCB C branch, and a brief introduction to the general situation of CCB C branch and the present situation of modern risk. Taking the credit risk audit in the loan of the medium-sized real estate enterprise as an example, this paper analyzes the concrete operation flow and existing problems of the credit risk management. Chapter 4th is the analysis of the existing problems and the reasons for the credit risk management of CCB C City Branch. Chapter 5th is the countermeasures and suggestions to improve the implementation of credit risk management in CCB C city, including the steps and procedures of credit risk management, the principles and technical means of transformation and utilization of management results; Chapter 6th is the conclusion and prospect.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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