中信银行甘肃分行信贷结构调整策略研究

发布时间：2018-03-21 01:23

本文选题：中信银行甘肃分行　切入点：信贷结构　出处：《兰州大学》2014年硕士论文　论文类型：学位论文

【摘要】：商业银行是我国市场经济金融体系中处于核心位置的中介机构,也是金融系统的重要组成部分。商业银行现阶段亟须面对如何提高信贷业务质量的课题。商业银行信贷结构是影响信贷业务质量的重要因素之一。2009年以来,由于我国4万亿投资的刺激,我国商业银行大幅扩大信贷资金投放；同时受美国金融危机的影响,我国商业银行纷纷加大对城市基础设施建设、房地产、大型制造业等的信贷投放,造成信贷结构失衡。因此调整信贷结构是我国商业银行必须面对和解决的问题。本文以中信银行甘肃分行信贷结构调整为研究对象,是作者在为期三个月的实地调研的基础上完成的。通过相关资料的汇总和总结,对中信银行甘肃分行2009年建行至今的信贷规模、信贷资金行业分布、信贷客户信用水平、信贷客户规模结构以及信贷期限结构等方面进行分析,提出了中信银行甘肃分行信贷结构中存在的问题。以信息不对称理论、风险收益理论以及贷款组合理论等基础理论为指导,分析了影响中信银行甘肃分行信贷结构的四个因素。重点研究了中信银行甘肃分行信贷结构调整的具体目标和针对性策略建议。对中信银行甘肃分行信贷结构调整策略的实现提出了措施建议。本文的研究成果对优化中信银行甘肃分行信贷结构调整策略具有重要参考价值,同时对其他股份制商业银行的信贷结构调整也会提供有益的借鉴。
[Abstract]:Commercial banks are the intermediary organizations in the core position in the financial system of market economy in our country. It is also an important part of the financial system. It is urgent for commercial banks to face the problem of how to improve the quality of credit business at the present stage. The credit structure of commercial banks is one of the important factors affecting the quality of credit business. Since 2009, Because of the stimulus of our country's 4 trillion investment, our commercial banks have greatly expanded their credit capital investment. At the same time, under the influence of the US financial crisis, our commercial banks have increased their efforts in urban infrastructure construction and real estate. The credit supply of large-scale manufacturing industry causes the imbalance of credit structure, so adjusting the credit structure is the problem that our commercial banks must face and solve. This paper takes the credit structure adjustment of CITIC Bank Gansu Branch as the research object, which is completed by the author on the basis of three months' field investigation. This paper analyzes the credit scale of CITIC Bank Gansu Branch since 2009, the distribution of credit funds, the credit level of credit customers, the size structure of credit customers and the term structure of credit. The problems in credit structure of Gansu Branch of CITIC Bank are put forward, which are guided by information asymmetry theory, risk return theory and loan combination theory. This paper analyzes the four factors that influence the credit structure of the Gansu Branch of CITIC Bank, and focuses on the specific objectives and suggestions for the adjustment of the credit structure of the Gansu Branch of CITIC Bank. The Adjustment of the Credit structure of the Gansu Branch of CITIC Bank. The implementation of the integration strategy is proposed. The research results of this paper have important reference value for optimizing credit structure adjustment strategy of CITIC Bank Gansu Branch, and will also provide useful reference for other joint-stock commercial banks.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.4

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