工商银行公司信贷风险控制策略研究
发布时间：2019-04-24 13:22
【摘要】：商业银行在整个社会金融体系中的地位越来越重要,其健康发展会直接影响到整个国民经济的稳定。在我国,以商业银行信贷业务为主的间接融资在社会融资结构中处于主导地位,决定了商业银行的信贷风险成为金融体系的最主要风险。近几年,各大商业银行的不良贷款率逐渐升高,暴露了我国商业银行在信贷风险管理中存在问题。本文选取工商银行信贷风险管理作为研究课题,笔者结合自身的工作经历,对公司信贷风险的管理情况做了研究,分析工商银行公司信贷风险的现状及存在问题,并对其中存在的问题提出了自己的建议。 本文通过对国内外已有的文献和观点进行梳理,设计了全文的研究框架,明确了选题背景、研究方法和结构布局,之后主要对商业银行信贷风险的含义、成因、测量方法和相关理论进行基本阐述,介绍了我国商业银行信贷风险控制的发展趋势,指出了信贷风险控制在商业银行运行中的重要地位。文章分析了工商银行公司信贷风险控制的现状及问题,结合数据与资产质量情况,提出了工商银行公司信贷风险控制存在的问题,并通过对问题的分析与研究,提出了优化对策：健全信贷风险文化建设、强化公司信贷风险识别能力、规范公司信贷风险流程管理、提高公司信贷内部控制能力以及落实公司信贷人员奖励机制。 本文主要根据工商银行公司信贷风险控制情况进行研究与分析,对其他商业银行的信贷风险控制有一定的参考价值,也希望本文提出的优化意见能够对我国商业银行公司信贷风险控制带来一定帮助。
[Abstract]:Commercial banks play a more and more important role in the whole social and financial system, and their healthy development will directly affect the stability of the whole national economy. In China, indirect financing, which is dominated by credit business of commercial banks, plays a dominant role in the social financing structure, which determines that the credit risk of commercial banks becomes the most important risk in the financial system. In recent years, the non-performing loan ratio of the major commercial banks has gradually increased, exposing the problems existing in the credit risk management of the commercial banks in our country. This paper selects the credit risk management of ICBC as a research subject. Combining with my own work experience, the author studies the management of corporate credit risk, and analyzes the current situation and existing problems of the credit risk of ICBC company. And put forward their own suggestions on the existing problems. Through combing the existing domestic and foreign literatures and viewpoints, this paper designs the research framework of the full text, clarifies the selection background, research methods and structural layout, and then mainly on the meaning and cause of the credit risk of commercial banks. This paper introduces the development trend of credit risk control in China's commercial banks, and points out that credit risk control plays an important role in the operation of commercial banks. This paper analyzes the current situation and problems of credit risk control in ICBC Corporation, and puts forward the existing problems in credit risk control in ICBC Corporation based on the data and asset quality, and through the analysis and research of the problems, The optimization countermeasures are put forward, such as perfecting the construction of credit risk culture, strengthening the ability of identifying corporate credit risk, standardizing the management of corporate credit risk process, improving the internal control ability of corporate credit, and implementing the incentive mechanism of corporate credit personnel. This article mainly according to the industrial and commercial bank company credit risk control situation carries on the research and the analysis, has the certain reference value to the other commercial bank credit risk control, I also hope that the optimization suggestions can bring some help to the credit risk control of commercial banks in our country.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
本文编号：2464485
[Abstract]:Commercial banks play a more and more important role in the whole social and financial system, and their healthy development will directly affect the stability of the whole national economy. In China, indirect financing, which is dominated by credit business of commercial banks, plays a dominant role in the social financing structure, which determines that the credit risk of commercial banks becomes the most important risk in the financial system. In recent years, the non-performing loan ratio of the major commercial banks has gradually increased, exposing the problems existing in the credit risk management of the commercial banks in our country. This paper selects the credit risk management of ICBC as a research subject. Combining with my own work experience, the author studies the management of corporate credit risk, and analyzes the current situation and existing problems of the credit risk of ICBC company. And put forward their own suggestions on the existing problems. Through combing the existing domestic and foreign literatures and viewpoints, this paper designs the research framework of the full text, clarifies the selection background, research methods and structural layout, and then mainly on the meaning and cause of the credit risk of commercial banks. This paper introduces the development trend of credit risk control in China's commercial banks, and points out that credit risk control plays an important role in the operation of commercial banks. This paper analyzes the current situation and problems of credit risk control in ICBC Corporation, and puts forward the existing problems in credit risk control in ICBC Corporation based on the data and asset quality, and through the analysis and research of the problems, The optimization countermeasures are put forward, such as perfecting the construction of credit risk culture, strengthening the ability of identifying corporate credit risk, standardizing the management of corporate credit risk process, improving the internal control ability of corporate credit, and implementing the incentive mechanism of corporate credit personnel. This article mainly according to the industrial and commercial bank company credit risk control situation carries on the research and the analysis, has the certain reference value to the other commercial bank credit risk control, I also hope that the optimization suggestions can bring some help to the credit risk control of commercial banks in our country.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
【参考文献】
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