国家开发银行甘肃省分行集团客户信贷风险管理对策研究

发布时间：2018-07-28 16:26

【摘要】：20世纪初,集团化发展成为企业成长的主流模式,我国企业集团也开始蓬勃发展。对银行来说,企业集团以大资产数额作为信号,显示了其较强的市场竞争能力和抗风险能力,集团客户成为各家银行竞相追逐的对象。但就风险而言,集团客户存在贷款集中度高、风险隐蔽性强等信贷风险,例如许多企业集团存在盲目扩张、虚假资产、过度担保、财务杠杆率过高等问题,这些企业集团的风险具有很强的隐蔽性,特别是在经济繁荣时期。当经济处于下行时期,企业效益受经济环境影响大幅下滑,隐藏的财务风险就会暴露。风险暴露后多呈现多米诺效应,与之而来的银行相关关联企业群的资金链就会发生断裂,给银行造成较大资产损失。因此,集团客户的信贷风险管理是银行信贷资产风险管理的重中之重。论文以国家开发银行甘肃省分行为研究对象,通过对集团客户信贷风险现状及成因分析、信贷风险管理机制分析,理清开发银行甘肃分行集团客户信贷风险管理中存在的问题。结合工作实践,提出开发银行甘肃分行集团客户信贷风险管理对策,力图对集团客户信贷风险管理工作予以启示,拓展集团客户信贷风险管理问题的解决思路并希望为相关理论研究提供实践支持。
[Abstract]:At the beginning of 20 ~ (th) century, collectivization developed into the mainstream mode of enterprise growth, and Chinese enterprise group began to flourish. For the banks, the large amount of assets is the signal of the enterprise group, which shows its strong market competitiveness and anti-risk ability, and the group customers become the object of each bank chasing after each other. However, in terms of risks, group customers have credit risks such as high loan concentration and high risk concealment. For example, many enterprise groups have problems such as blind expansion, false assets, excessive guarantee, excessive financial leverage, and so on. The risks of these conglomerates are highly hidden, especially in times of economic prosperity. When the economy is in the downward period, the enterprise benefit is affected by the economic environment, the hidden financial risk will be exposed. After risk exposure, there is domino effect, and the capital chain of related enterprises will break, which will result in a large loss of assets to the bank. Therefore, the credit risk management of group customers is the most important part of bank credit asset risk management. This paper takes Gansu Branch of China Development Bank as the research object, analyzes the present situation and causes of group customer credit risk, and analyzes the mechanism of credit risk management, and clarifies the problems existing in the management of group credit risk of Gansu Branch of China Development Bank. Combined with the working practice, this paper puts forward the countermeasures of the group credit risk management of Gansu Branch of the Development Bank, and tries to enlighten the group customer credit risk management work. To expand the group customer credit risk management solutions and hope to provide practical support for relevant theoretical research.
【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】：F832.3;F832.4

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