A银行信贷风险控制研究

发布时间：2018-09-07 14:21

【摘要】：随着经济运行与金融运行的逐步融合,金融风险已经成为当代最主要的经济风险。商业银行是重要的金融部门,是企业融资的主要渠道,而信贷业务又是银行的核心业务,因此信贷风险控制对整个金融体系健康、有效地运行具有极为重要的影响。我国银监会一直强调“切实做好银行业风险防控工作”,要求银行加强各自的信贷风险管理,规范信贷业务相关规章制度,促进银行业的健康发展。根据各个银行不同体制和经营情况,合理调整信贷结构,完善信贷体系,采取有效的信贷风险控制措施,把信贷风险控制在一定范围内,将信贷风险给银行带来的损失降到最低。因此,本文以风险管理理论为基础,通过梳理与信贷风险控制有关的研究成果,以A银行为具体案例,在对A银行信贷业务进行调查研究的基础上,分析了该行信贷业务风险管理的现状,剖析了其信贷风险控制中存在的问题及其形成的原因,借鉴先进的信贷风险管理经验,运用科学的信贷风险评价方法,构建优化了信贷风险控制体系,并提出了提高信贷风险控制水平的保障措施,对推动A银行信贷风险控制工作起到了积极作用。
[Abstract]:With the gradual integration of economic operation and financial operation, financial risk has become the most important economic risk. Commercial bank is an important financial sector and the main channel for enterprise financing, and credit business is the core business of banks. Therefore, credit risk control has an extremely important impact on the health and effective operation of the entire financial system. China's Banking Regulatory Commission has always stressed that "do a good job of banking risk prevention and control", requiring banks to strengthen their respective credit risk management, standardize the relevant rules and regulations of credit business, and promote the healthy development of the banking industry. According to the different systems and operating conditions of each bank, we should rationally adjust the credit structure, perfect the credit system, take effective credit risk control measures, and control the credit risk within a certain range. Minimize the loss of credit risk to banks. Therefore, based on the theory of risk management, by combing the research results related to credit risk control and taking Bank A as a specific case, this paper investigates and studies the credit business of Bank A. This paper analyzes the present situation of the credit risk management of the bank, analyzes the problems existing in the credit risk control of the bank and the reasons for its formation, draws lessons from the advanced credit risk management experience, and applies the scientific credit risk evaluation method. This paper constructs and optimizes the credit risk control system, and puts forward the safeguard measures to improve the credit risk control level, which plays a positive role in promoting the credit risk control of Bank A.
【学位授予单位】：西安石油大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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