新疆商业银行钢铁行业信贷风险管理研究

发布时间：2018-03-28 13:02

本文选题：新疆　切入点：钢铁行业　出处：《新疆财经大学》2014年硕士论文

【摘要】：商业银行信贷风险是指信贷业务中存在的风险总和。当前,有效管理信贷风险是商业银行面临的巨大挑战。“十二五”规划期间，我国钢铁行业呈现高速发展的趋势，钢铁产量以及产能不断增加。但是，随着我国钢铁行业产能严重过剩，使得钢价极不稳定，降低了钢铁企业的整体盈利水平。于此同时，为了治理日益严重的环境问题，国家也出台了相应的钢铁行业调控政策，对我国重污染的钢铁企业的治理也会不断持续，并且对新增的钢铁项目审核也会越来越严格，极大的影响了钢铁企业的信贷融资能力。虽然，我国商业银行在钢铁行业信贷风险管理方面已经积累了丰富的实践经验，但是在信贷风险管理体系中仍然存在诸多问题，只有采取行之有效的方法，才能进一步的保证我国商业银行健康有序的发展。基于以上情况的分析，本文认为分析新疆商业银行钢铁行业信贷风险的管理情况对商业银行新疆区分行的健康发展具有较为重要的理论和现实意义。随着我国西部地区基础设施建设和固定资产投资的高速增长，新疆钢铁行业也在不断地发展壮大，为新疆地方经济建设做出了巨大的贡献。本文主要从新疆钢铁行业入手，着重分析新疆商业银行钢铁行业信贷风险管理的现状，并揭示商业银行信贷风险管理中存在的问题，，如新疆商业银行在对钢铁行业信贷风险管理过程中执行力度不够；商业银行对新疆钢铁行业潜在风险认识能力有限等。为了更好的支持新疆钢铁企业的健康有序的发展，本文提出了相应的对策以及建议。包括改进新疆钢铁行业客户信贷风险管理的流程；提高商业银行对新疆钢铁行业信贷风险的预判能力；完善新疆钢铁行业信贷风险的处置预案；培养钢铁行业信贷风险管理的相关专业人才等。在此基础上，不断提高商业银行新疆区分行信贷风险管理水平，为商业银行进一步管理好新疆钢铁行业信贷风险提供了实证依据。
[Abstract]:Credit risk of commercial bank refers to the sum of risks existing in credit business. At present, effective management of credit risk is a great challenge faced by commercial banks. During the 12th Five-Year Plan period, the steel industry of our country shows a trend of rapid development. Steel production and production capacity are increasing. However, with the severe overcapacity in our steel industry, steel prices are extremely unstable, which reduces the overall profitability of steel enterprises. At the same time, in order to combat the increasingly serious environmental problems, The government has also issued the corresponding regulation and control policy of iron and steel industry, the governance of heavy pollution iron and steel enterprises in our country will continue, and the new steel projects will be more and more strict, which greatly affects the credit financing ability of iron and steel enterprises. Although China's commercial banks have accumulated rich practical experience in the management of credit risk in the steel industry, there are still many problems in the credit risk management system. In order to further ensure the healthy and orderly development of commercial banks in China. Based on the above analysis, This paper holds that the analysis of credit risk management in the steel industry of Xinjiang Commercial Bank is of great theoretical and practical significance to the healthy development of Xinjiang Branch of Commercial Bank. With the rapid growth of infrastructure construction and fixed asset investment in the western region of China, the iron and steel industry in Xinjiang has been developing and expanding, which has made great contributions to the local economic construction in Xinjiang. This paper mainly starts with the iron and steel industry in Xinjiang. The present situation of credit risk management in steel industry of Xinjiang commercial bank is analyzed emphatically, and the problems existing in credit risk management of commercial bank are revealed, such as insufficient execution of credit risk management in steel industry in Xinjiang commercial bank; In order to better support the healthy and orderly development of iron and steel enterprises in Xinjiang, the commercial banks have limited ability to understand the potential risks of the iron and steel industry in Xinjiang. This paper puts forward the corresponding countermeasures and suggestions, including improving the process of customer credit risk management in Xinjiang iron and steel industry, improving the ability of commercial banks to predict the credit risk of Xinjiang steel industry. To improve the handling plan for the credit risk of the iron and steel industry in Xinjiang; to train the relevant professionals in the credit risk management of the steel industry, etc. On this basis, to continuously improve the credit risk management level of the Xinjiang branch of the commercial bank, It provides an empirical basis for commercial banks to further manage the credit risk of Xinjiang iron and steel industry.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F426.31;F832.4

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