德州银行信贷业务发展问题及对策研究
发布时间：2019-05-22 15:08
【摘要】：随着中国经济持续快速的增长、国家经济结构调整、货币金融体系改革提速，给中国银行业的发展带来了有利的市场环境和前所未有的发展机遇，，但与此同时，国内外经济发展不确定性也随之增强，再加之国内外金融监管变革提速、利率市场化的推进和金融脱媒的加剧，对国内的商业银行准确判断市场形势、科学确定发展战略提出了更高的要求，我国商业银行要想继续推进战略转型，持续构建多元化、综合化的业务布局，就必须利用其规模优势、品牌优势、产品流程和科技创新优势，加快产品创新，从而寻找到适合自身且可持续的发展之路。 我国商业银行的资产业务结构发生了一定程度上的改变，存贷比呈现出一定的下降趋势，但信贷业务占资产业务的比例仍然超过60%，在环境日益复杂多变的情况下，对银行信贷业务的发展进行合理控制，对现代商业银行的可持续经营具有非常重要的理论与现实意义。本文从国内银行业信贷业务发展创新这一角度出发，对国内外商业银行信贷业务发展现状、发展趋势、存在的差距及如何借鉴先进经验等问题进行了深入分析，形成了本文的理论基础。其次，分析了德州银行的信贷业务运行现状，对德州银行的信贷运行现状做出了总体描述，包括主要的经营指标和信贷结构分析。再次，探讨了德州银行信贷管理存在的问题，深层次挖掘了现有问题出现的原因。对于上述问题，本文提出了加强信贷管理的建议，希望通过本文对信贷管理的一些有益初探，能够对德州银行信贷业务的可持续发展提供一些思路和帮助。
[Abstract]:With the sustained and rapid growth of China's economy, the adjustment of the national economic structure and the acceleration of the reform of the monetary and financial system, it has brought favorable market environment and unprecedented development opportunities to the development of China's banking industry, but at the same time, With the increase of uncertainty in economic development at home and abroad, coupled with the acceleration of financial supervision reform at home and abroad, the promotion of interest rate marketization and the aggravation of financial disintermediation, the domestic commercial banks can accurately judge the market situation. Scientific determination of development strategy has put forward higher requirements. If China's commercial banks want to continue to promote strategic transformation and continue to build a diversified and integrated business layout, they must make use of their scale advantages and brand advantages. Product process and scientific and technological innovation advantages, speed up product innovation, so as to find a suitable and sustainable way of development. The asset business structure of commercial banks in China has changed to a certain extent, and the ratio of deposit to loan has shown a certain downward trend, but the proportion of credit business in asset business is still more than 60%. Under the condition of increasingly complex and changeable environment, Reasonable control of the development of bank credit business is of great theoretical and practical significance to the sustainable operation of modern commercial banks. From the point of view of the development and innovation of domestic banking credit business, this paper makes a deep analysis of the present situation, development trend, existing gap and how to draw lessons from advanced experience of credit business of commercial banks at home and abroad. It forms the theoretical basis of this paper. Secondly, it analyzes the current situation of Texas Bank's credit business, and makes an overall description of the current situation of Texas Bank's credit operation, including the main operating indicators and credit structure analysis. Thirdly, this paper probes into the problems existing in the credit management of Texas Bank, and deeply excavates the causes of the existing problems. For the above problems, this paper puts forward some suggestions to strengthen credit management, hoping that through some useful exploration of credit management in this paper, it can provide some ideas and help for the sustainable development of credit business in Texas Bank.
【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：2483025
[Abstract]:With the sustained and rapid growth of China's economy, the adjustment of the national economic structure and the acceleration of the reform of the monetary and financial system, it has brought favorable market environment and unprecedented development opportunities to the development of China's banking industry, but at the same time, With the increase of uncertainty in economic development at home and abroad, coupled with the acceleration of financial supervision reform at home and abroad, the promotion of interest rate marketization and the aggravation of financial disintermediation, the domestic commercial banks can accurately judge the market situation. Scientific determination of development strategy has put forward higher requirements. If China's commercial banks want to continue to promote strategic transformation and continue to build a diversified and integrated business layout, they must make use of their scale advantages and brand advantages. Product process and scientific and technological innovation advantages, speed up product innovation, so as to find a suitable and sustainable way of development. The asset business structure of commercial banks in China has changed to a certain extent, and the ratio of deposit to loan has shown a certain downward trend, but the proportion of credit business in asset business is still more than 60%. Under the condition of increasingly complex and changeable environment, Reasonable control of the development of bank credit business is of great theoretical and practical significance to the sustainable operation of modern commercial banks. From the point of view of the development and innovation of domestic banking credit business, this paper makes a deep analysis of the present situation, development trend, existing gap and how to draw lessons from advanced experience of credit business of commercial banks at home and abroad. It forms the theoretical basis of this paper. Secondly, it analyzes the current situation of Texas Bank's credit business, and makes an overall description of the current situation of Texas Bank's credit operation, including the main operating indicators and credit structure analysis. Thirdly, this paper probes into the problems existing in the credit management of Texas Bank, and deeply excavates the causes of the existing problems. For the above problems, this paper puts forward some suggestions to strengthen credit management, hoping that through some useful exploration of credit management in this paper, it can provide some ideas and help for the sustainable development of credit business in Texas Bank.
【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：2483025
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