AZK银行信贷业务风险管理研究

发布时间：2018-06-20 13:56

本文选题：信贷风险 + 有效管理　；参考：《山东理工大学》2017年硕士论文

【摘要】：近年来,市场经济迅速发展,国内商业银行信贷政策逐渐宽松,各商业银行间的竞争却愈演愈烈,商业银行在发展过程中面临的挑战越来越严峻。随着经济环境的不断调整,市场对商业银行提出了更高要求,特别是亟需提高商业银行风险管理水平。当前商业银行在拓展信贷业务的过程中急需提升风险管理意识,针对信贷风险制定科学有效的策略,充分降低风险。这就要求商业银行重视信贷风险的管控,对既有的管控体系进行优化调整,强化信贷数据的分析。对此,深入分析研究商业银行信贷风险管理是很有必要的。AZK银行重视对信贷风险的有效识别和防范,努力探索建立加强客户信贷风险管理的机制和方法,但是在信贷风险管理机制上还存在欠缺。AZK银行目前存在信贷资产结构失衡、客户信息披露审查不严谨、信贷风险分析方法不完善、信贷风险管理观念较陈旧、缺乏专业独立的风险管理队伍、当地政府的过度干预、市场信息不对称等问题。由此导致AZK银行信贷资产质量存在较大的风险,严重制约了银行的发展。如何对信贷风险进行有效管理是目前学术领域以及商业银行急需应对的问,本文由此提出了加强AZK银行信贷风险有效管理的对策建议。论文在管理学、金融学等理论的基础上,对当前国内外信贷风险管理文献进行了梳理,在对当今信贷业务的风险管理情况进行了归纳总结,对存在的问题进行了揭示并实现了原因分析。借鉴国内外主流的信贷风险管控手段,基于提升风险管理理念、健全风险管理系统、优化风险管控方法等角度出发,就如何促进银行风险管理水平的提高进行了探讨,以此不断地推动商业银行信贷风险管理工作的快速发展。
[Abstract]:In recent years, with the rapid development of market economy, the credit policy of domestic commercial banks is gradually relaxed, but the competition among commercial banks is becoming more and more fierce. The challenges faced by commercial banks in the process of development are becoming more and more severe. With the continuous adjustment of the economic environment, the market has put forward higher requirements for commercial banks, especially the need to improve the level of risk management of commercial banks. In the process of expanding credit business, commercial banks urgently need to raise the awareness of risk management, formulate scientific and effective strategies for credit risk, and fully reduce risk. This requires commercial banks to attach importance to the management of credit risk, optimize and adjust the existing control system, and strengthen the analysis of credit data. In view of this, it is necessary to deeply analyze and study the credit risk management of commercial banks. AZK Bank attaches importance to the effective identification and prevention of credit risk, and tries to explore the mechanism and methods of strengthening customer credit risk management. However, in the credit risk management mechanism, there is still a lack of. AZK bank credit asset structure imbalance, customer information disclosure review is not rigorous, credit risk analysis method is not perfect, credit risk management concept is outmoded. Lack of professional independent risk management team, local government excessive intervention, market information asymmetry and so on. As a result, AZK bank credit asset quality has a greater risk, seriously restricting the development of banks. How to effectively manage credit risk is an urgent problem in academic field and commercial banks. This paper puts forward some countermeasures and suggestions to strengthen the effective management of credit risk in AZK bank. On the basis of the theories of management and finance, the paper combs the current domestic and international literature on credit risk management, and summarizes the risk management situation of credit business. The existing problems are revealed and the reasons are analyzed. Based on improving the risk management concept, perfecting the risk management system and optimizing the risk management methods, this paper discusses how to improve the risk management level of the bank, based on the main credit risk management methods at home and abroad, such as improving the risk management concept, improving the risk management system, and optimizing the risk management methods. In order to continuously promote the rapid development of commercial bank credit risk management.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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