建设银行河北分行信贷风险管控体系构建研究

发布时间：2018-06-11 23:10

本文选题：建设银行河北分行 + 信贷风险　；参考：《大连理工大学》2014年硕士论文

【摘要】：随着我国金融行业的不断发展,国内银行的经营环境发生了重大变化。商业银行原有的信贷风险管理方式已经无法满足新形势的需要,风险构成主体也由单一的政策性风险逐渐变成政策性风险、信用风险和市场风险互相交织的综合性风险。伴随着金融市场不断发展,银行信贷投放加速,信贷规模迅速扩张,银行贷款的风险呈现出多样化和扩大化的趋势,因此建立一套适应当前银行业发展的信贷风险管控体系是十分必要的。针对建设银行河北分行的现状,本文采用多种研究方法,将实证研究、规范研究和案例研究相结合,通过对建设银行河北分行的风险管理体系进行重新审视,找到原有信贷风险管理体系方面的弊端和不足。进而对银行自身以及银行所处的外部环境两个角度,分析指出造成上述不足的原因。最后,提出解决方案：建立先进的信贷风险管理文化,完善建设银行河北分行的内部控制制度,提高风险评估和信贷报告质量,强化信贷风险监督与评价体系等,构建出一套信贷风险管控体系,改变传统的商业银行不顾风险、不计成本、粗放经营的模式,以期对建设银行河北分行的信贷风险管理有借鉴意义。
[Abstract]:With the continuous development of financial industry in China, the operating environment of domestic banks has undergone significant changes. The original credit risk management method of commercial banks has been unable to meet the needs of the new situation, the risk component has gradually changed from a single policy risk to a policy risk, credit risk and market risk intertwined with the comprehensive risk. With the continuous development of the financial market, the bank credit investment accelerates, the credit scale expands rapidly, the risk of the bank loan presents the tendency of diversification and expansion. Therefore, it is necessary to establish a set of credit risk management and control system suitable for the current banking development. In view of the present situation of Hebei Branch of China Construction Bank, this paper combines empirical research, normative research and case study with a variety of research methods. By reviewing the risk management system of China Construction Bank Hebei Branch, the defects and shortcomings of the original credit risk management system are found. Then, the reasons for these deficiencies are pointed out from the two angles of the banks themselves and the external environment of the banks. Finally, some solutions are put forward: establishing advanced credit risk management culture, perfecting the internal control system of Hebei Branch of China Construction Bank, improving the quality of risk assessment and credit reporting, strengthening the supervision and evaluation system of credit risk, etc. A set of credit risk management system is constructed to change the traditional commercial banks' mode of extensive operation regardless of risk, regardless of cost, in order to provide reference for credit risk management of Hebei Branch of China Construction Bank.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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