JNS商业银行信贷风险管理研究
发布时间：2018-10-15 19:39
【摘要】：目前,随着商业银行业务的快速发展,商业银行已经在我国国民经济中发挥了不可替代的重要作用。尤其是对地方经济的发展、个人信贷的提供、中小企业的融资方面,发挥着主力军的作用。我国商业银行主要收入来源是其信贷资产业务,这种业务能获得较高收益,但是同时也面临着较高风险。目前信贷风险管理是商业银行风险管理的核心内容,信贷风险能否控制好对商业银行的稳健经营异常关键。JNS商业银行位于山东省济南市,属于中小商业银行,其贷款业务主要面对中小企业,济南市传统中小企业经营困难,新兴产业中小企业盈利能力不足,JNS商业银行已经出现了较为严重的不良贷款率,并且新增贷款的信贷风险也难以有效降低,同时在在当前金融压制政策下,中小商业银行的信贷风险比大型商业银行的更为突出。这大大影响了JNS商业银行的发展,当前应该大力加强JNS商业银行的信贷风险管理,在把信贷风险控制在合理水平下,提高JNS商业银行的利润。本文在综述国内外研究现状和相关理论的基础上,结合JNS商业银行的现状找出了JNS商业银行信贷风险管理存在的问题:JNS商业银行内部控制体制不健全;信贷风险管理手段落后;信贷风险管理的文化缺失;信贷资产结构不合理;信贷风险管理的其它问题:信贷档案材料不全;审贷分离执行不严格;对高层管理者的管理不严;贷款业务种类单一,业务创新发展滞后。针对JNS商业银行信贷风险管理存在的问题,提出了相应的对策和建议:(1)完善信贷内控制度,防范业务运作风险。加强信贷业务人员素质考核、实行审贷分离模式。加强信贷业务员责任考核。推进审贷制度的落实。(2)提升信贷风险管理技术。利用大数据技术建立新型企业信用评级体系。(3)完善商业银行信贷风险管理文化。(4)优化贷款结构。(5)信贷工作具体建议。
[Abstract]:At present, with the rapid development of commercial bank business, commercial bank has played an irreplaceable important role in our national economy. Especially for the development of local economy, the provision of personal credit, the financing of small and medium-sized enterprises, play a major role. The main source of income of commercial banks in China is their credit assets business, which can obtain higher income, but also faces higher risks. At present, credit risk management is the core content of commercial bank risk management, and whether the credit risk can be controlled well is the key to the steady operation of commercial bank. JNS commercial bank is located in Jinan City, Shandong Province, and belongs to small and medium-sized commercial bank. Its loan business mainly faces the small and medium-sized enterprises (SMEs), the traditional SMEs in Jinan have difficulty in operating, the small and medium-sized enterprises (SMEs) in the emerging industries are not profitable enough, the JNS commercial banks have already appeared the relatively serious non-performing loan ratio. Moreover, the credit risk of new loans is difficult to reduce effectively. At the same time, under the current financial repression policy, the credit risk of small and medium-sized commercial banks is more prominent than that of large commercial banks. This has greatly affected the development of JNS commercial banks. At present, the credit risk management of JNS commercial banks should be strengthened greatly, and the profit of JNS commercial banks should be improved by controlling the credit risk at a reasonable level. On the basis of summarizing the domestic and foreign research status and related theories, this paper finds out the problems existing in the credit risk management of the JNS commercial bank by combining the present situation of the JNS commercial bank: the internal control system of the JNS commercial bank is not perfect, the means of the credit risk management is backward, and the credit risk management method is backward. Lack of culture in credit risk management; irrational structure of credit assets; other problems in credit risk management: incomplete credit file materials, lax execution of loan review and loan separation, lax management of senior managers, single type of loan business, Business innovation and development lags behind. In view of the problems existing in credit risk management of JNS commercial banks, the corresponding countermeasures and suggestions are put forward: (1) perfecting the credit internal control system and preventing the operational risks. Strengthen the credit service personnel quality assessment, the implementation of the separate model of loan review. Strengthen credit operator responsibility assessment. Promote the implementation of the loan review system. (2) improve the credit risk management technology. Using big data technology to establish a new enterprise credit rating system. (3) to perfect the credit risk management culture of commercial banks. (4) to optimize the loan structure; (5) to make concrete suggestions for credit work.
【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
本文编号：2273623
[Abstract]:At present, with the rapid development of commercial bank business, commercial bank has played an irreplaceable important role in our national economy. Especially for the development of local economy, the provision of personal credit, the financing of small and medium-sized enterprises, play a major role. The main source of income of commercial banks in China is their credit assets business, which can obtain higher income, but also faces higher risks. At present, credit risk management is the core content of commercial bank risk management, and whether the credit risk can be controlled well is the key to the steady operation of commercial bank. JNS commercial bank is located in Jinan City, Shandong Province, and belongs to small and medium-sized commercial bank. Its loan business mainly faces the small and medium-sized enterprises (SMEs), the traditional SMEs in Jinan have difficulty in operating, the small and medium-sized enterprises (SMEs) in the emerging industries are not profitable enough, the JNS commercial banks have already appeared the relatively serious non-performing loan ratio. Moreover, the credit risk of new loans is difficult to reduce effectively. At the same time, under the current financial repression policy, the credit risk of small and medium-sized commercial banks is more prominent than that of large commercial banks. This has greatly affected the development of JNS commercial banks. At present, the credit risk management of JNS commercial banks should be strengthened greatly, and the profit of JNS commercial banks should be improved by controlling the credit risk at a reasonable level. On the basis of summarizing the domestic and foreign research status and related theories, this paper finds out the problems existing in the credit risk management of the JNS commercial bank by combining the present situation of the JNS commercial bank: the internal control system of the JNS commercial bank is not perfect, the means of the credit risk management is backward, and the credit risk management method is backward. Lack of culture in credit risk management; irrational structure of credit assets; other problems in credit risk management: incomplete credit file materials, lax execution of loan review and loan separation, lax management of senior managers, single type of loan business, Business innovation and development lags behind. In view of the problems existing in credit risk management of JNS commercial banks, the corresponding countermeasures and suggestions are put forward: (1) perfecting the credit internal control system and preventing the operational risks. Strengthen the credit service personnel quality assessment, the implementation of the separate model of loan review. Strengthen credit operator responsibility assessment. Promote the implementation of the loan review system. (2) improve the credit risk management technology. Using big data technology to establish a new enterprise credit rating system. (3) to perfect the credit risk management culture of commercial banks. (4) to optimize the loan structure; (5) to make concrete suggestions for credit work.
【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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