建行甘肃分行贷后管理改进研究

发布时间：2018-06-04 18:22

本文选题：建行甘肃分行 + 贷后管理　；参考：《兰州大学》2014年硕士论文

【摘要】：几年前,震惊世界的“华尔街金融海啸”突然降临,凡是与信贷相关的金融机构几乎无一幸免,从此全球各金融机构开始高度重视信贷风险的防范。近年来全球经济日趋一体化,国家宏观调控逐步加强,市场环境日益复杂,商业银行经营面临更多竞争和不确定性,国内商业银行有没有可能像曾经在华尔街叱咤风云的金融巨头那样吃“最后的晚餐”?答案无从确定,但有一点可以确定,那就是“多米诺骨牌”还在继续。信贷业务作为作为银行最重要的业务之一,也是主要的盈利手段,是银行的“生命线”,其质量的好坏直接影响到银行乃至整个行业的状况。贷后管理则是信贷业务中最后面但也是保障性最强的一项工作,是这条“生命线”保持生机活力的根基。但是由于受多方面原因影响,国内商业银行包括建行甘肃分行中“重贷轻管”现象仍然非常普遍。随着信贷存量规模不断壮大,其信贷管理中的薄弱环节——贷后管理的强化工作愈显紧迫。如何通过创新理念、完善机制、加强基础建设来全面提高贷后管理能力成为建行甘肃分行亟待解决的难题。本文立足于建行甘肃分行实际情况,欲通过分析研究找到提高建行甘肃分行贷后管理能力的解决方案,为相关研究提供参考。文章共六章,第一章介绍研究背景、内容、思路和方法。第二章对贷后管理的内涵进行解释,介绍相关理论知识,并对国内外贷后管理的先进经验进行介绍。第三章分析评价建行甘肃分行现行的贷后管理机制,寻找存在的问题,并深度剖析其形成原因。第四章对改进建行甘肃分行贷后管理工作进行总体构思和布局。第五章对改进后的效果进行预期,并且介绍为保证改进工作切实有效而施以的保障措施。第六张是结论与展望部分。
[Abstract]:A few years ago, when the "Wall Street financial tsunami" struck the world, almost all credit-related financial institutions were spared, and financial institutions around the world began to attach great importance to the prevention of credit risk. In recent years, with the increasing integration of the global economy, the strengthening of national macro-control and the increasing complexity of the market environment, commercial banks are facing more competition and uncertainty. Is it possible for domestic commercial banks to have a "last dinner" like the once all-powerful financial giants on Wall Street? The answer is not certain, but one thing is certain: the domino continues. As one of the most important business of banks, credit business is also the main means of profit, and it is the lifeline of banks. The quality of credit business directly affects the situation of banks and even the whole industry. After-loan management is the last but also the most affordable job in the credit business, and is the vital foundation of the lifeline. However, due to various reasons, domestic commercial banks, including China Construction Bank Gansu Branch, "heavy loan light management" phenomenon is still very common. With the increasing scale of credit stock, the strengthening of post-loan management is becoming more and more urgent. How to improve the ability of post-loan management by innovating ideas, perfecting mechanism and strengthening infrastructure has become a difficult problem to be solved urgently by CCB Gansu Branch. Based on the actual situation of CCB Gansu Branch, this paper tries to find a solution to improve the management ability of CCB Gansu Branch through analysis and research, and provides reference for related research. The first chapter introduces the research background, contents, ideas and methods. The second chapter explains the connotation of post-loan management, introduces the relevant theoretical knowledge, and introduces the advanced experience of post-loan management at home and abroad. The third chapter analyzes and evaluates the current management mechanism of China Construction Bank Gansu Branch, looks for the existing problems, and deeply analyzes the causes of its formation. The fourth chapter is the overall conception and layout to improve the management of CCB Gansu Branch. The fifth chapter anticipates the effect of the improvement and introduces the safeguard measures applied to ensure the effectiveness of the improvement. The sixth part is the conclusion and prospect.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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