FS分行对公贷款操作风险管理案例研究

发布时间：2018-05-01 11:11

本文选题：对公贷款 + 操作风险　；参考：《辽宁大学》2017年硕士论文

【摘要】：当前,我国银行业面临的内部产业环境和外部经济环境都在发生深刻变化,银行的不良资产持续大幅攀升,公司类贷款不良率恶化较快,各大银行都存在大量无法收回的对公贷款。同时,商业银行的部分对公客户盲目扩张资产规模,过分追逐利润,向银行贷出大量不匹配企业生产规模的资金盲目使用,最终利润成果不达标贷出资金难以归还,无法归还的资金进而形成银行的不良资产。因此,我们必须深刻的认识到,在银行的贷款业务中,对公贷款成为带给银行盈利动力的重要业务的同时,对公贷款也是具备了很大潜在风险的一项银行业务。在新环境和新要求之下,我们要清晰的看到商业银行发展存在的挑战。从银行业自身的风险管理角度来看,操作风险管理对银行的风险控制和内部控制更加具备深刻意义,整个操作风险管理贯穿了对公贷款授信业务的整个过程。操作风险的管理主要包含了人员和制度两方面的管理,可以通过人员规范和制度规范来规避潜在的操作风险,事实上操作风险也是三大风险中可控性最强的一项风险,是可以通过完善对公贷款操作风险管理制度和提升对公贷款工作人员业务水平来进行规避的一种风险。所以,研究FS分行对公贷款操作风险管理具有一定的现实意义和价值。本文将银行对公贷款的操作风险管理作为选题,深刻剖析FS分行在对公贷款操作风险管理方面存在的不足,并提出相关的完善措施。本文共包括四个部分进行论证分析。本文绪论部分简述了商业银行对公贷款业务相关的时代背景和研究意义,简述了本文的研究内容以及所使用的研究方法。案例描述部分一方面对FS分行的情况进行了简要的介绍,另一方面描述了 FS分行对公贷款操作相关的四个案例,反映FS分行在对公贷款操作风险管理方面的基本情况。本文第三部分对FS分行对公贷款操作风险管理存在的问题进行研究,深刻剖析了存在问题的相关原因。本文第四部分针对FS分行对公贷款操作风险管理的现状提出了一些合理的建议,切实有效的避免不必要的风险,降低FS分行的不良对公贷款数额,提升FS分行的资产质量,进而促进FS分行的良好发展。
[Abstract]:At present, both the internal industrial environment and the external economic environment facing our banking industry are undergoing profound changes. The non-performing assets of banks continue to rise substantially, and the rate of corporate loans is deteriorating rapidly. Large banks have large uncollectible public loans. At the same time, some commercial banks blindly expand the scale of their assets to public customers, excessively pursue profits, lend a large number of funds to banks that do not match the production scale of enterprises, and use them blindly, so that the final profits are not up to standard and the funds lent out are difficult to return. Funds that cannot be repaid form the bad assets of the bank. Therefore, we must deeply realize that, in the bank loan business, the public loan has become an important business to bring profit to the bank, at the same time, the public loan is also a banking business with great potential risks. In the new environment and new requirements, we should clearly see the development of commercial banks challenges. From the point of view of risk management of banking itself, operational risk management has more profound significance to the risk control and internal control of banks, and the whole operation risk management runs through the whole process of public loan credit business. The management of operational risk mainly includes the management of personnel and system, which can avoid the potential operational risk through personnel norms and system norms. In fact, operational risk is also the most controllable one of the three major risks. It is a kind of risk that can be avoided by perfecting the operating risk management system of public loan and improving the professional level of public loan staff. Therefore, the study of FS branch is of practical significance and value to the operational risk management of public loans. In this paper, the operational risk management of banks to public loans as a topic, in-depth analysis of FS branch in the operational risk management of public loans, and put forward the relevant improvement measures. This paper includes four parts for demonstration and analysis. The introduction part of this paper briefly describes the background and significance of commercial banks' research on the public loan business, the research content and the research methods used in this paper. In the case description part, on the one hand, the situation of FS branch is briefly introduced, on the other hand, four cases related to the operation of FS branch on public loan are described, which reflect the basic situation of FS branch in risk management of public loan operation. In the third part of this paper, the problems existing in the operational risk management of FS branch on public loans are studied, and the related causes of the problems are deeply analyzed. In the fourth part of this paper, some reasonable suggestions are put forward to avoid unnecessary risks, reduce the amount of non-performing loans, and improve the asset quality of FS branch. Then promote the good development of FS branch.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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