恒丰银行西安分行信贷管理研究

发布时间：2018-03-16 23:09

本文选题：信贷管理　切入点：风险防范　出处：《西北大学》2014年硕士论文　论文类型：学位论文

【摘要】：恒丰银行西安分行信贷管理研究是一个不断发现、识别、培育和提升的动态过程。纵观国际上有实力的银行,他们都是坚持在金融方面的提高的基础之上进行不断的管理结构和方式上的创新探索、不断提高员工的综合素质,以此来提高自身的信贷管理水平。当今世界全球化进一步发展、各个行业信息化程度不断提高,世界金融系统也进行着日新月异的变化,银行间的竞争范围已经转化到银行的自有资产领域,竞争的内容包括信息传播和利用、先进技术和文化。要想不被淘汰,就要把提高银行的信贷管理能力当成主要任务来抓。恒丰银行西安分行虽然已经体会到了信贷管理制度的重要性,但是并没有把它看成银行发展的瓶颈,可能是没有真正认识到信贷风险的管理对银行自身进行业务转型、控制风险能力、开拓更广阔的市场的重要意义。本文在综合了现今学术界对信贷管理的主要看法、银行内部控制理论和恒丰银行西安分行的信贷现状的基础上,通过查阅大量研究文献、比较其他银行的研究结果等途径,根据再造业务的原理,指出了创新对恒丰银行西安分行信贷管理各种要素的重要意义。实行符合客观管理规律的信贷管理制度加上正确的执行措施,是恒丰银行西安分行在激烈的市场竞争中立于不败之地的基本保障,对风险实行全面有效的控制有利于西安分行稳定可持续发展。本文对本行信贷管理制度现状的正确理解和分析,构建了恒丰银行西安分行信贷管理体系框架,并提出了基于竞争形势的改进对策。
[Abstract]:The credit management research of Hengfeng Bank Xi'an Branch is a dynamic process of discovering, identifying, nurturing and promoting. They all insist on constantly innovating management structure and methods on the basis of financial improvement, and constantly improve the comprehensive quality of employees. In this way, we can improve our own credit management level. With the further development of globalization in the world today, the level of informationization in various industries is constantly improving, and the world financial system is undergoing rapid changes. The scope of competition among banks has been transformed into the field of banks' own assets. The contents of the competition include the dissemination and utilization of information, advanced technology and culture. Although the Xian Branch of Hengfeng Bank has realized the importance of the credit management system, it has not been regarded as a bottleneck in the development of the bank. It may be that it has not really realized that the management of credit risk has transformed the bank's own business. Control risk ability, open up the important meaning of broader market. On the basis of synthesizing the main views of current academic circles on credit management, the theory of bank internal control and the credit situation of Xian Branch of Hengfeng Bank, this paper compares the research results of other banks by consulting a large number of research documents. According to the principle of reengineering, this paper points out the importance of innovation to the credit management of Xian Branch of Hengfeng Bank. The implementation of the credit management system in line with the objective management law and the correct enforcement measures are the basic guarantees for Hengfeng Bank Xi'an Branch to remain invincible in the fierce market competition. Comprehensive and effective control of risk is beneficial to the stable and sustainable development of Xi'an Branch. This paper has correctly understood and analyzed the present situation of the credit management system of Xian Branch of Hengfeng Bank, and constructed the framework of credit management system of Xian Branch of Hengfeng Bank. And put forward the improvement countermeasure based on the competition situation.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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