HF银行济南分行信贷风险管理体系优化研究
发布时间：2019-05-25 01:11
【摘要】：随着利率市场化程度不断的提高,人民币汇率的波动幅度加大,经济一体化加深,汇率、利率市场化程度逐渐提高,产品价格逐渐市场化,同时外资银行业务全面放开,导致国内商业银行竞争日渐激烈,恒丰银行济南分行(以下简称济南分行)新产品,新业务不断推出,信贷风险管理出现新的趋势,因此,非常迫切需要优化济南分行信贷风险管理体系。 通过对国内外信贷风险管理的文献进行分析、整理和述评,并从制度经济学、信息经济学角度对银行信贷风险管理进行系统的分析。文章主要囊括六个部分,第一部分绪论及相关理论研究,介绍了研究的背景意义、研究内容以及主要观点、研究思路以及方法。其中,采用案例研究与理论运用相结合的方法,运用了文献研究法、定性与定量分析相结合的方法、规范分析法、访谈调查法等调研方法；第二部分商业银行信贷风险管理理论概述,对风险、信贷风险相关理论进行了研究；第三部分,对济南分行的信贷风险管理现状和问题进行分析；第四部分,从信贷风险识别、预警、内部管理及自我评价和约束等角度对济南分行信贷风险管理体系提出优化措施；第五部分是济南分行信贷风险管理体系实施保障的措施,最后是结论及展望。本文从济南分行信贷风险管理体系存在的问题出发,有针对性地进行优化,以达到降低济南分行信贷风险的目的。 分析了济南分行信贷风险方面存在问题,得出了问题主要集中在信贷风险测评识别、预警、内部管理等方面,并提出四项优化措施：一是完善信贷风险识别体系,分别从优化信用风险评级体系,操作风险管理体系,市场风险组织体系等方面进行优化；二是结合济南分行信贷风险预警流程,采取定量与定性相结合,建立详细的预警信号指标及应对措施,从而优化信贷风险预警管理体系；三是完善济南分行信贷风险内部管理体系,从信贷风险控制,贷后跟踪管理,信贷风险化解等方面进行优化；四是在自我评价和约束方面提出优化措施。同时,结合济南分行现状,提出实施保障措施,如：培养优秀的风险管理人员,建立风险管控的企业文化,建立合规检查机制、完善风险技术支持系统以及完善检查与考核机制等等。
[Abstract]:With the continuous improvement of the degree of interest rate marketization, the fluctuation of RMB exchange rate, the deepening of economic integration, the gradual improvement of exchange rate and interest rate marketization, the gradual marketization of product prices, and the comprehensive liberalization of foreign banking business. As a result, the competition of domestic commercial banks is becoming increasingly fierce, Hengfeng Bank Jinan Branch (hereinafter referred to as Jinan Branch) new products, new business continues to launch, credit risk management has a new trend, therefore, It is urgent to optimize the credit risk management system of Jinan Branch. Through the analysis, collation and review of the literature of credit risk management at home and abroad, and from the perspective of institutional economics and information economics, this paper makes a systematic analysis of bank credit risk management. The article mainly consists of six parts, the first part is the introduction and related theoretical research, which introduces the background significance, research content, main viewpoints, research ideas and methods of the study. Among them, the method of combining case study with theoretical application, literature research method, qualitative and quantitative analysis method, normative analysis method, interview investigation method and so on are used. The second part summarizes the theory of credit risk management of commercial banks, and studies the related theories of risk and credit risk. The third part analyzes the present situation and problems of credit risk management of Jinan Branch. The fourth part puts forward the optimization measures to the credit risk management system of Jinan Branch from the angles of credit risk identification, early warning, internal management and self-evaluation and restriction. The fifth part is the measures to guarantee the credit risk management system of Jinan Branch, and finally the conclusion and prospect. Based on the problems existing in the credit risk management system of Jinan Branch, this paper optimizes the credit risk of Jinan Branch in order to reduce the credit risk of Jinan Branch. This paper analyzes on the problems existing in the credit risk of Jinan Branch, draws the conclusion that the problems mainly focus on the credit risk evaluation and identification, early warning, internal management and so on, and puts forward four optimization measures: first, perfecting the credit risk identification system, Optimize the credit risk rating system, operational risk management system, market risk organization system and so on. Second, combined with the credit risk early warning process of Jinan Branch, the combination of quantitative and qualitative, the establishment of detailed early warning signal indicators and countermeasures, so as to optimize the credit risk early warning management system; Third, improve the credit risk internal management system of Jinan Branch, optimize from the aspects of credit risk control, post-loan tracking management, credit risk resolution and so on; fourth, put forward optimization measures in terms of self-evaluation and constraints. At the same time, combined with the present situation of Jinan Branch, this paper puts forward the implementation of safeguard measures, such as: training excellent risk management personnel, establishing enterprise culture of risk control and control, establishing compliance inspection mechanism, Improve the risk technical support system and improve the inspection and assessment mechanism and so on.
【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】：F832.33;F832.4
本文编号：2485357
[Abstract]:With the continuous improvement of the degree of interest rate marketization, the fluctuation of RMB exchange rate, the deepening of economic integration, the gradual improvement of exchange rate and interest rate marketization, the gradual marketization of product prices, and the comprehensive liberalization of foreign banking business. As a result, the competition of domestic commercial banks is becoming increasingly fierce, Hengfeng Bank Jinan Branch (hereinafter referred to as Jinan Branch) new products, new business continues to launch, credit risk management has a new trend, therefore, It is urgent to optimize the credit risk management system of Jinan Branch. Through the analysis, collation and review of the literature of credit risk management at home and abroad, and from the perspective of institutional economics and information economics, this paper makes a systematic analysis of bank credit risk management. The article mainly consists of six parts, the first part is the introduction and related theoretical research, which introduces the background significance, research content, main viewpoints, research ideas and methods of the study. Among them, the method of combining case study with theoretical application, literature research method, qualitative and quantitative analysis method, normative analysis method, interview investigation method and so on are used. The second part summarizes the theory of credit risk management of commercial banks, and studies the related theories of risk and credit risk. The third part analyzes the present situation and problems of credit risk management of Jinan Branch. The fourth part puts forward the optimization measures to the credit risk management system of Jinan Branch from the angles of credit risk identification, early warning, internal management and self-evaluation and restriction. The fifth part is the measures to guarantee the credit risk management system of Jinan Branch, and finally the conclusion and prospect. Based on the problems existing in the credit risk management system of Jinan Branch, this paper optimizes the credit risk of Jinan Branch in order to reduce the credit risk of Jinan Branch. This paper analyzes on the problems existing in the credit risk of Jinan Branch, draws the conclusion that the problems mainly focus on the credit risk evaluation and identification, early warning, internal management and so on, and puts forward four optimization measures: first, perfecting the credit risk identification system, Optimize the credit risk rating system, operational risk management system, market risk organization system and so on. Second, combined with the credit risk early warning process of Jinan Branch, the combination of quantitative and qualitative, the establishment of detailed early warning signal indicators and countermeasures, so as to optimize the credit risk early warning management system; Third, improve the credit risk internal management system of Jinan Branch, optimize from the aspects of credit risk control, post-loan tracking management, credit risk resolution and so on; fourth, put forward optimization measures in terms of self-evaluation and constraints. At the same time, combined with the present situation of Jinan Branch, this paper puts forward the implementation of safeguard measures, such as: training excellent risk management personnel, establishing enterprise culture of risk control and control, establishing compliance inspection mechanism, Improve the risk technical support system and improve the inspection and assessment mechanism and so on.
【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】：F832.33;F832.4
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