广发银行HZ行对钢贸企业信贷风险管理研究
发布时间：2019-04-01 17:27
【摘要】：商业银行是现代金融体系组成部分的核心,是广大老百姓及企业经营户进行金融活动的最为主要一个平台,在现今的国民经济发展当中中扮占据着举足轻重的位置。2007年8月美国次贷危机引发的全球性金融危机爆发以来,西方社会如美国、欧洲包括亚洲的日本等国家受到史上最严重的经济重挫,金融机构负重不堪更有甚者面临破产倒闭或以破产倒闭诸如雷曼兄弟等。而国内银行在国家的严密统筹部署下虽说损伤情况好于欧美等国但也受到了很大的影响,而诸多经济活跃地区如广东江浙一带依赖外向型经济发展的中小企业受大环境影响纷纷倒闭关停,数以万计的老板姓下岗失业为社会和谐发展带来了极其严重的负面影响,所以加强以银行为主的金融机构活动的科学性、规范性,亟待解决。本人从事银行业工作尽十年之久,现在就职于广发银行杭州分行主要从事信贷管理工作,而针对钢贸企业的信贷风险管理工作也是我进几年来多次涉及到的业务,在我MBA学习即将结束之时就钢贸企业的信贷风险管理工作的提升作为我的毕业论文研究,为自己业务提升及银行就此领域的提升并更好的服务于钢贸企业做出点促进作用。 本篇文章依据确定问题存在--解析问题成因--处理问题的思路等的逻辑,通过对国内外成功的各种信贷风险管理研究的借鉴,同时贯穿广发银行HZ行目前的实际情况,点名了银行在信贷风险管的理组织结构、信贷风险管理的方法、信贷风险的管理、信贷风险的流程等各个方面有着诸多的问题,一一的分析出现这些问题具体夫人原因,同时制定同时针对钢贸企业的特性对以上各环节的设计进行研究。促进银行与钢贸企业的金融活动良性发展。
[Abstract]:Commercial banks are the core of the modern financial system and the most important platform for the general public and business operators to carry out financial activities. It plays an important role in the development of the national economy today. Since the outbreak of the global financial crisis caused by the US subprime mortgage crisis in August 2007, Western societies such as the United States, Countries in Europe, including Asia, such as Japan, have suffered the worst economic meltdown in history, and financial institutions are even more likely to face bankruptcy or bankruptcy, such as Lehman Brothers. And under the strict and coordinated deployment of the state, although the damage situation of domestic banks is better than that of Europe and the United States and other countries, it has also been greatly affected. And many economically active areas, such as the small and medium-sized enterprises relying on export-oriented economic development in the areas of Jiangsu and Zhejiang in Guangdong Province, have closed down and closed down one after another under the influence of the environment, and tens of thousands of laid-off bosses have brought about extremely serious negative effects on the harmonious development of society. Therefore, strengthening the activities of banks-based financial institutions is scientific, normative and urgent to be solved. I have been engaged in banking for ten years, and now I am mainly engaged in credit management at the Hangzhou Branch of Guangdong Development Bank, and the work of credit risk management for steel trade enterprises is also a business that I have been involved in many times in the past few years. At the end of my MBA study on the promotion of credit risk management in steel trade enterprises as my graduation thesis research for their own business promotion and banking upgrading in this field and better service to steel trade enterprises to do some promoting role. Based on the logic of determining the existence of the problem-analyzing the cause of the problem-how to deal with the problem, this paper draws lessons from the successful research on credit risk management at home and abroad, and at the same time runs through the actual situation of HZ Bank of Guangdong Development Bank at present. Listed the bank in the credit risk management organization structure, the credit risk management method, the credit risk management, the credit risk flow and so on each aspect has many problems, one by one analysis these problems the concrete wife reason, At the same time, the design of the above-mentioned links is studied according to the characteristics of the steel trade enterprises at the same time. To promote the sound development of financial activities of banks and steel trading enterprises.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F426.31;F832.33
本文编号：2451736
[Abstract]:Commercial banks are the core of the modern financial system and the most important platform for the general public and business operators to carry out financial activities. It plays an important role in the development of the national economy today. Since the outbreak of the global financial crisis caused by the US subprime mortgage crisis in August 2007, Western societies such as the United States, Countries in Europe, including Asia, such as Japan, have suffered the worst economic meltdown in history, and financial institutions are even more likely to face bankruptcy or bankruptcy, such as Lehman Brothers. And under the strict and coordinated deployment of the state, although the damage situation of domestic banks is better than that of Europe and the United States and other countries, it has also been greatly affected. And many economically active areas, such as the small and medium-sized enterprises relying on export-oriented economic development in the areas of Jiangsu and Zhejiang in Guangdong Province, have closed down and closed down one after another under the influence of the environment, and tens of thousands of laid-off bosses have brought about extremely serious negative effects on the harmonious development of society. Therefore, strengthening the activities of banks-based financial institutions is scientific, normative and urgent to be solved. I have been engaged in banking for ten years, and now I am mainly engaged in credit management at the Hangzhou Branch of Guangdong Development Bank, and the work of credit risk management for steel trade enterprises is also a business that I have been involved in many times in the past few years. At the end of my MBA study on the promotion of credit risk management in steel trade enterprises as my graduation thesis research for their own business promotion and banking upgrading in this field and better service to steel trade enterprises to do some promoting role. Based on the logic of determining the existence of the problem-analyzing the cause of the problem-how to deal with the problem, this paper draws lessons from the successful research on credit risk management at home and abroad, and at the same time runs through the actual situation of HZ Bank of Guangdong Development Bank at present. Listed the bank in the credit risk management organization structure, the credit risk management method, the credit risk management, the credit risk flow and so on each aspect has many problems, one by one analysis these problems the concrete wife reason, At the same time, the design of the above-mentioned links is studied according to the characteristics of the steel trade enterprises at the same time. To promote the sound development of financial activities of banks and steel trading enterprises.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F426.31;F832.33
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