AB银行不良贷款经营管理模式创新研究

发布时间：2018-06-16 05:52

本文选题：商业银行 + 经营管理　；参考：《昆明理工大学》2014年硕士论文

【摘要】：随着金融改革的深入,同业竞争的加剧,外部监管工作的强化,以及外部宏观新形势的变化和银行内部绩效要求的提高,传统的不良贷款经营管理模式已远不能适应形势的发展。AB银行因应内外部环境变化,结合近年来战略目标定位,积极探索不良贷款经营管理新模式创新,以“价值创造、价值管理为核心”,以“软实力,核心竞争力,可持续发展能力”提升为导向。通过不良贷款经营管理模式创新转型研究与探索,来寻求提升不良资产经营管理效能的有效途径。作者作为AB银行的一名员工,针对AB银行目前的不良贷款经营管理现状和面临的困境,分析存在不足与原因,借鉴先进银行相关经验,运用SWOT框架来分析AB银行实现经营管理转型创新的各项利弊因素,并结合相关经营管理基础理论和实践案例进行科学论证,目的是通过这种特定的、整体性的研究,充分论证研究不良贷款经营管理效能提升的有效途径,给AB银行系统相关业务条线同事提供更多参考方案。最终,作者针对AB银行当前面临的不良贷款经营管理难题和问题症结,提出了“统一管理、集中经营、专业处置”这一创新管理模式观点,并针对性的提出一系列创新管理具体措施和建议,通过列举银行同业先进做法和相关成功清收案例,论证了这些建设性的方案与建议的有效性,有助于AB银行持续优化改进不良贷款经营管理模式,实现更大经济效益。
[Abstract]:With the deepening of financial reform, the intensification of interbank competition, the strengthening of external supervision, the changes of external macro situation and the improvement of internal performance requirements of banks, The traditional non-performing loan management mode has been far from adapting to the development of the situation. AB Bank, in response to the changes in internal and external environment, has actively explored the innovation of the new mode of non-performing loan management in response to the changes in internal and external environment and combined with the orientation of strategic objectives in recent years, in order to create value. Value management as the core, "soft power, core competitiveness, sustainable development ability" as the guide. Through the research and exploration of the innovation and transformation of non-performing loan management mode, the effective way to improve the management efficiency of non-performing assets is sought. As an employee of AB Bank, aiming at the present situation and difficulties of non-performing loan management in AB Bank, the author analyzes the shortcomings and causes, and draws lessons from the relevant experiences of advanced banks. The SWOT framework is used to analyze the advantages and disadvantages of AB bank in realizing the innovation of operation and management, and the scientific demonstration is carried out by combining the basic theories and practical cases of relevant management and management. The purpose of this paper is to study this kind of specific, holistic research. The paper fully demonstrates the effective way to improve the efficiency of non-performing loan management, and provides more reference schemes for AB banking system related business line colleagues. Finally, the author puts forward the idea of "unified management, centralized management and professional disposal" in view of the difficult problems and problems in the management of non-performing loans faced by AB Bank at present. And put forward a series of concrete measures and suggestions of innovation management, and demonstrate the effectiveness of these constructive schemes and suggestions by enumerating the advanced practices of banks and relevant successful liquidation cases. It is helpful for AB Bank to continuously optimize and improve the management mode of non-performing loans and realize greater economic benefits.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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