C银行信贷风险的贷后管理研究
发布时间：2018-08-06 09:39
【摘要】：金融是当代经济的核心，一国金融行业运行质量的好坏，效率的高低，，对其国民经济的健康发展至关重要。在中国特色社会主义市场经济条件下，银行间接信用是我国金融体系的基调，这决定了银行业（特别是商业银行）在我国国民经济体系中的重要地位，因此对中国金融领域的研究，很大程度上就是对商业银行的研究。 信贷业务是商业银行业务的核心，也是其利润的主要来源。商业银行的资产中约70%-80%是信贷资产，因此商业银行所面对的风险主要是来自信贷资产方面的风险。风险与收益并存，高收益必伴随高风险。在保证银行信贷收益的同时，如何有效控制风险，是商业银行信贷风险管理的核心内容。对信贷资产的管理、信贷风险的防范须在贷前及贷后制定科学合理的管理制度体系。因此，贷后管理是商业银行防范风险的一个重要步骤，对银行识别、预警、控制、化解风险具有十分重要的研究意义。由于我国四大国有银行和股份商业银行占据国内金融市场的绝对份额这一特殊性的存在，长期以来，专家学者对其信贷资产管理的进行了多方面、深层次、卓有成效的研究，总结出为数众多的理论成果，但对贷后管理一直是我国银行业信贷管理的薄弱环节。 本文在前人研究的基础上，结合当前我国金融市场发展的现状，对银行信贷资产的管理（着重于贷后管理）做深层次的研究、总结。运用定性与定量相结合的分析方法，在理论的基础上，对C银行信贷资产贷后管理中存在的问题，尤其是对贷后违约风险的确认、计量进行了深入剖析，最后提出相关改革完善建议。本文通过提出适合C银行信贷业务发展的贷后管理策略建议，希望对C银行信贷业务风险防范工作有所帮助。
[Abstract]:Finance is the core of contemporary economy. The operation quality and efficiency of a country's financial industry are very important to the healthy development of its national economy. Under the condition of socialist market economy with Chinese characteristics, the indirect credit of banks is the keynote of our financial system, which determines the important position of banking (especially commercial banks) in the national economic system of our country. Therefore, the research on China's financial field, to a large extent, is the study of commercial banks. Credit business is the core of commercial bank business and the main source of profit. About 70% to 80% of the assets of commercial banks are credit assets, so the risks faced by commercial banks are mainly from credit assets. Risk and return coexist, high return must accompany high risk. At the same time, how to control risks effectively is the core of credit risk management of commercial banks. For the management of credit assets, the prevention of credit risk should establish a scientific and reasonable management system before and after the loan. Therefore, post-loan management is an important step for commercial banks to prevent risks, which is of great significance for banks to identify, warn, control and resolve risks. Because of the particularity of the four state-owned banks and the shareholding commercial banks occupying the absolute share of the domestic financial market, for a long time, experts and scholars have carried out many, deep and fruitful studies on the management of their credit assets. A large number of theoretical achievements have been summarized, but the post-loan management has been the weak link of the banking credit management in China. On the basis of previous studies and the current situation of financial market development in China, this paper makes a deep research on the management of bank credit assets (focusing on post-loan management) and summarizes it. On the basis of the theory, the problems existing in the post-loan management of bank C's credit assets, especially the confirmation of the risk of default after the loan, are deeply analyzed by the method of qualitative and quantitative analysis. Finally, the paper puts forward some suggestions on the reform and perfection. In this paper, the author puts forward the suggestion of post-loan management strategy suitable for the development of bank C bank credit business, hoping to be helpful to the risk prevention work of bank C bank credit business.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
本文编号：2167326
[Abstract]:Finance is the core of contemporary economy. The operation quality and efficiency of a country's financial industry are very important to the healthy development of its national economy. Under the condition of socialist market economy with Chinese characteristics, the indirect credit of banks is the keynote of our financial system, which determines the important position of banking (especially commercial banks) in the national economic system of our country. Therefore, the research on China's financial field, to a large extent, is the study of commercial banks. Credit business is the core of commercial bank business and the main source of profit. About 70% to 80% of the assets of commercial banks are credit assets, so the risks faced by commercial banks are mainly from credit assets. Risk and return coexist, high return must accompany high risk. At the same time, how to control risks effectively is the core of credit risk management of commercial banks. For the management of credit assets, the prevention of credit risk should establish a scientific and reasonable management system before and after the loan. Therefore, post-loan management is an important step for commercial banks to prevent risks, which is of great significance for banks to identify, warn, control and resolve risks. Because of the particularity of the four state-owned banks and the shareholding commercial banks occupying the absolute share of the domestic financial market, for a long time, experts and scholars have carried out many, deep and fruitful studies on the management of their credit assets. A large number of theoretical achievements have been summarized, but the post-loan management has been the weak link of the banking credit management in China. On the basis of previous studies and the current situation of financial market development in China, this paper makes a deep research on the management of bank credit assets (focusing on post-loan management) and summarizes it. On the basis of the theory, the problems existing in the post-loan management of bank C's credit assets, especially the confirmation of the risk of default after the loan, are deeply analyzed by the method of qualitative and quantitative analysis. Finally, the paper puts forward some suggestions on the reform and perfection. In this paper, the author puts forward the suggestion of post-loan management strategy suitable for the development of bank C bank credit business, hoping to be helpful to the risk prevention work of bank C bank credit business.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
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本文编号：2167326
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