阜新银行K支行信贷风险防范对策研究

发布时间：2018-04-03 14:49

本文选题：信贷风险管理　切入点：风险防范　出处：《辽宁工程技术大学》2014年硕士论文

【摘要】：随着金融市场波动性加剧,商业银行的风险管理问题一直是国内外金融行业关注的焦点,其中信贷风险更是关注焦点的重中之重。目前在中国商业银行中,信贷业务所占的比例、结构以及其质量是衡量其核心竞争能力和经济效益的重要依据,而在信贷业务中信贷风险是首要考虑的因素,因此,加强信贷风险防范,提高信贷资产质量已经成为商业银行当前面临的首要任务。对于保证金融体系健康高效的运行,提高商业银行的竞争能力,实现经济的可持续发展,具有十分重要的现实意义。论文主要针对阜新银行K支行面临的信贷风险,综合国内外的研究成果,运用大量数据进行了实证研究,提出了当前阜新银行K支行信贷风险管理的思路与措施。先对商业银行信贷风险进行了界定,并在此基础上研究了阜新银行K支行目前信贷风险管理现状,揭示了当前存在的信贷政策及制度问题、信贷业务管理、信贷机构及人员问题,然后分析了上述问题的成因,最后结合阜新银行K支行的实际情况,提出了健全内控体系、加强授信管理、优化担保方式、加强信贷风险管理文化建设及优化阜新银行K支行金融环境的建议。
[Abstract]:With the increasing volatility of the financial market, the risk management of commercial banks has always been the focus of attention of the financial industry at home and abroad, among which credit risk is the most important focus.At present, in Chinese commercial banks, the proportion, structure and quality of credit business are the important basis to measure its core competitiveness and economic benefits, and the credit risk is the first factor to be considered in the credit business.Strengthening credit risk prevention and improving the quality of credit assets has become the most important task for commercial banks.It is of great practical significance to ensure the healthy and efficient operation of the financial system, to improve the competitiveness of commercial banks and to realize the sustainable development of the economy.This paper mainly aims at the credit risk faced by K Branch of Fuxin Bank, synthesizes the domestic and foreign research results, carries on the empirical research with a large number of data, and puts forward the ideas and measures of credit risk management of K Branch of Fuxin Bank at present.Firstly, the credit risk of commercial bank is defined, and on this basis, the present situation of credit risk management in K Branch of Fuxin Bank is studied, and the existing problems of credit policy and system, credit business management are revealed.The problems of credit institutions and personnel are analyzed, and the causes of the above problems are analyzed. Finally, combining with the actual situation of K Branch of Fuxin Bank, the author puts forward a sound internal control system, strengthening credit management and optimizing the way of guarantee.Strengthen the construction of credit risk management culture and optimize the financial environment of Fuxin Bank K Branch.
【学位授予单位】：辽宁工程技术大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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