华夏银行信贷风险管理研究

发布时间：2018-03-21 13:22

本文选题：风险识别　切入点：信贷业务　出处：《山西财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：华夏银行是服务性的股份制商业银行,对国民经济的发展起到的作用不容忽视。可是凡事都不是一帆风顺的,其在不断发展的过程中,信贷业务方面遇到的风险问题却越来越多。从长远发展的角度考虑,找到银行信贷风险管理中存在的问题,改进管理策略,促进信贷业务的迅速发展,是华夏银行信贷风险管理业务发展的必然要求。论文的第一步是对华夏银行信贷业务方面的问题进行原因探究,发现由于其受内外部环境和国家政府制度的影响,使得抵质押物体系,信贷风险管理流程和风险指标选取等方面存在不适合银行和银行客户良好发展的问题。随后借鉴国内外信用风险管理经验,从华夏银行的概况入手,通过分析华夏银行近年来信贷业务的各数据,揭示了华夏银行在信贷风险管理中存在信贷风险管理流程缺失,抵质押物管理系统不完善,部门之间职能不明确,风险评价指标过于单一等实际问题,并分析了问题形成的内部和外部原因,从原因的根源入手,提出设计方案,在根本上解决问题。最后论文紧密结合信贷风险管理的过程,提出了完善信贷风险管理流程、丰富风险评价指标、设立部门明确职能和抵质押物系统优化的策略建议。同时在确保发展战略能够实施的条件下,提出了培训专业人员,以支持信贷风险管理系统;建立激励机制,激发员工潜力;营造银行的文化氛围,树立良好的价值观。通过以上设计,结合华夏银行信贷风险管理的实际管理目标和管理系统的设计思想,对华夏银行建立一套相对完善的信贷风险管理体系。
[Abstract]:Huaxia Bank is a service joint-stock commercial bank, which plays an important role in the development of the national economy. From the perspective of long-term development, we can find out the problems existing in the management of bank credit risk, improve the management strategy, and promote the rapid development of credit business. The first step of this paper is to explore the causes of the problems in the credit business of Huaxia Bank, and find that it is influenced by the internal and external environment and the national government system. It makes the system of pledge, the process of credit risk management and the selection of risk index not suitable for the good development of banks and bank customers. Then, using the experience of credit risk management at home and abroad for reference, starting with the general situation of Huaxia Bank, By analyzing the data of Huaxia Bank's credit business in recent years, it is revealed that there is a lack of credit risk management process in Huaxia Bank, the credit risk management system is not perfect, and the functions between departments are not clear. The internal and external reasons of the problem are analyzed, and the design scheme is put forward to solve the problem fundamentally. Finally, the paper closely combines the process of credit risk management. At the same time, under the condition of ensuring that the development strategy can be carried out, this paper puts forward the training of professional personnel, including perfecting the credit risk management process, enriching the risk evaluation index, setting up the department's clear function and optimizing the pledge system, at the same time, under the condition of ensuring that the development strategy can be carried out, To support credit risk management systems; to create incentives to stimulate employee potential; to create a culture and values for banks. Combined with the actual management objectives and management system design ideas of Huaxia Bank's credit risk management, a set of relatively perfect credit risk management system is established for Huaxia Bank.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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