中国建设银行郑州直属支行不良贷款管理研究

发布时间：2018-06-12 13:10

本文选题：商业银行 + 不良贷款　；参考：《郑州大学》2014年硕士论文

【摘要】：金融是现代经济的核心,商业银行是金融业的主体。随着我国金融业的对外开放,国有商业银行不良资产问题已成为束缚我国金融体制与经济健康发展的桎梏。不良贷款的危害性是毋庸置疑的,这一问题已成为中国银行业体系中的主要隐患,基于国有商业银行在中国金融业的重要地位,国有银行的不良贷款问题引起了金融界的高度重视。中国建设银行郑州直属支行是建行的基层分支机构,其不良贷款整体状况良好,每年均可完成省行下达的不良贷款控制计划。从2009年-2012年不良贷款的数量有明显减少,但从2013年开始不良贷款呈现出明显的上升趋势。在实际操作中,不良贷款的管理及处置上仍然存在不少问题,对于部分存量不良贷款和一些即将成为不良贷款的项目还不能够有效地解决和及时遏制。因此,针对国有商业银行不良贷款问题的研究不仅具有重要的理论意义,而且具有突出的实践参考价值,可以使国有商业银行在不良贷款问题上能够做出更有针对性的判断。本文在国内外不良贷款管理理论的基础上,通过比较分析法、理论与实证相结合的方法对建行郑州直属支行的不良贷款问题进行了深入研究,根据建行郑州直属支行不良贷款工作的现状、不良资产情况,对不良贷款的管理现状进行分析,指出建行郑州直属支行存在的内部管理问题：风险防控机制不健全、管理的精细化程度不够、考核激励措施不到位、清收处置进度迟缓。然后结合经济发达国家、转轨国家和亚洲金融危机国家三种类型的代表银行在处置不良贷款方面的经验及启示,为本文不良贷款管理方案提供借鉴；最后针对前文提出的不良贷款管理方面存在的问题,提出了4个具体的管理对策：在优化信贷结构的基础上加强风险控制、完善内部控制加强IT技术应用、完善激励考核制度加强员工培训、构建矩阵式内部集中管理的不良贷款处置模式。通过这4个对策,实现不良贷款管理的规范化、标准化,力求建行郑州直属支行不良贷款业务管理工作实现健康有序的发展,为信贷业务提供有效的清收保障机制。
[Abstract]:Finance is the core of modern economy, and commercial bank is the main body of financial industry. With the opening up of our financial industry, the problem of non-performing assets of state-owned commercial banks has become a shackle to the healthy development of our financial system and economy. The harmfulness of non-performing loans is beyond doubt. This problem has become a major hidden danger in China's banking system. Based on the important position of state-owned commercial banks in China's financial sector, The problem of non-performing loans of state-owned banks has aroused great attention in the financial circles. Zhengzhou Branch of China Construction Bank is the basic branch of CCB. Its non-performing loan is in good condition, and it can complete the bad loan control plan issued by provincial bank every year. The number of non-performing loans declined significantly from 2009 to 2012, but began to show a marked upward trend in 2013. In practice, there are still many problems in the management and disposal of non-performing loans, which can not be effectively solved and prevented in time for some stock non-performing loans and some projects that will soon become non-performing loans. Therefore, the research on the problem of non-performing loans of state-owned commercial banks is not only of great theoretical significance, but also of outstanding practical reference value, which can enable state-owned commercial banks to make more targeted judgments on the problem of non-performing loans. Based on the theory of non-performing loan management at home and abroad, this paper makes a deep research on the problem of non-performing loan in Zhengzhou branch of CCB through the method of comparative analysis, theory and demonstration. According to the current situation of non-performing loan work and non-performing assets in Zhengzhou branch of CCB, this paper analyzes the current management situation of non-performing loan, and points out the internal management problems of Zhengzhou branch of CCB: the risk prevention and control mechanism is not perfect. The degree of refinement of management is not enough, the examination incentives are not in place, the progress of collection and disposal is slow. Then combined with the experience and inspiration of three types of representative banks of developed countries, transition countries and Asian financial crisis countries in dealing with non-performing loans, this paper provides a reference for the management scheme of non-performing loans. Finally, in view of the existing problems in the management of non-performing loans, four concrete management countermeasures are put forward: strengthening risk control on the basis of optimizing credit structure, perfecting internal control and strengthening IT technology application. Improve the incentive assessment system to strengthen staff training, and build a matrix internal centralized management of non-performing loans disposal model. Through these four countermeasures, we can realize the standardization and standardization of non-performing loan management, strive for the healthy and orderly development of the management of non-performing loan business of the Zhengzhou branch of China Construction Bank, and provide an effective mechanism for clearing up and receiving the credit business.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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