建行RH支行信贷风险管理问题与对策

发布时间：2018-04-11 03:38

本文选题：信贷风险 + 信用风险　；参考：《东北大学》2014年硕士论文

【摘要】：信贷业务是建行RH支行的最主要业务种类,对支行的发展起到关键作用。结合目前中国银行业的实际情况来看,信贷风险由信用风险和操作风险的构成,对信贷风险的管理关系银行的生存能力和竞争力。近年来,从理论角度来讲,风险管理的研究集中在对风险的量化上,风险计量逐渐向模型化方向发展。而在实践中,商业银行对各种风险的管理还在摸索中曲折前进,全面风险管理理论的框架对商业银行风险管理有指导意义。本文叙述了RH支行信贷业务的现状,通过对RH支行信贷业务流程和信贷风险管理现行做法的逐步剖析,结合信贷资产中值得关注的非正常类贷款的案例,对照风险管理的基本流程框架,提出RH支行在信贷风险管理中,在风险选择、识别、计量、应对这几个方面存在的问题。具体而言,RH支行信贷风险管理存在的问题有：信贷结构不合理、尽职调查工作不全面、贷后管理流于形式、评级与分类结果不准确、风险缓释措施管理有缺陷和贷后风险应对能力薄弱。这些问题的成因可以从建设银行外部、建设银行内部和RH支行的内部因素进行分析,具体可以归纳为信息不对称、建设银行的信贷制度和岗位设置不完善以及RH支行信贷风险管理理念落后并且风险管理激励措施不到位。对应提出的问题,论文最后给出了多渠道搜集客户信息、保证贷前调查的中立性、加强对客户账户监测、增强风险敏感性、积极主动化解贷后风险和强化风险缓释措施管理、建立稳健信贷资产组合、通过优化内控来控制操作风险的具体对策。
[Abstract]:Credit business is the most important business type of CCB RH branch, which plays a key role in the development of CCB RH branch.According to the actual situation of China's banking industry, credit risk is composed of credit risk and operational risk, and the management of credit risk is related to the viability and competitiveness of banks.In recent years, the research of risk management has focused on the quantification of risk, and risk measurement has gradually developed towards modeling.In practice, the management of various risks of commercial banks is still twists and turns, the framework of the comprehensive risk management theory has guiding significance for the risk management of commercial banks.This paper describes the present situation of RH branch credit business, through the analysis of RH branch credit business process and credit risk management practice step by step, combined with the case of abnormal loan in credit assets.In contrast to the basic process framework of risk management, this paper puts forward the problems of RH branch in credit risk management, risk selection, identification, measurement and response.In particular, the problems in credit risk management of RH branch are: the credit structure is unreasonable, the due diligence work is not comprehensive, the post-loan management is mere formality, and the results of rating and classification are not accurate.The management of risk mitigation measures is defective and the ability to deal with risk after loan is weak.The causes of these problems can be analyzed from the external factors of CCB, the internal factors of CCB and RH branch, which can be summed up as asymmetric information.The credit system and post setting of China Construction Bank are not perfect, and the RH branch credit risk management concept is backward and the incentive measures of risk management are not in place.According to the questions raised, the paper finally gives a multi-channel collection of customer information, to ensure the neutrality of pre-loan investigation, to strengthen the monitoring of customer accounts, to enhance risk sensitivity, to actively resolve post-loan risks and to strengthen risk mitigation measures management.To establish a sound portfolio of credit assets, through optimization of internal control to control operational risk specific countermeasures.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【参考文献】