JN银行信贷风险管理存在的问题与对策研究
发布时间：2019-06-29 18:39
【摘要】：我国商业银行的资产业务结构发生了一定程度上的改变，存贷比的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，对银行信贷风险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。本文首先在研究国内外学者关于财务风险研究的相关文献的基础上，对信贷风险研究进行了理论分析与概念界定，形成了本文的理论基础。其次，以JN银行具有特色的煤炭贸易企业授信业务为例，，分析了JN银行的信贷风险现状。对JN银行的发展现状与组织结构做出了总体描述，分析信贷风险的种类与特点，并由此归纳出其主要信贷风险的来源，并对JN银行的煤炭贸易企业信贷风险做出横向与纵向上的比较分析，指出进行信贷风险管理的必要性。再次，探讨了JN银行信贷风险管理存在的问题，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风险内控制度、实行信贷风险全程动态监督、明确定位稳抓中小客户等有针对性的建议，以期得出某些对我国商业银行乃至整体银行信贷管理体系构建有益的启示。
[Abstract]: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%. In the case of increasingly complex and changeable environment, reasonable control of bank credit risk is of great theoretical and practical significance to the sustainable management of modern commercial banks. First of all, on the basis of studying the relevant literature of domestic and foreign scholars on financial risk research, this paper makes a theoretical analysis and conceptual definition of credit risk research, which forms the theoretical basis of this paper. Secondly, taking the credit business of coal trading enterprises with the characteristics of JN Bank as an example, this paper analyzes the present situation of credit risk of JN Bank. This paper makes an overall description of the development status and organizational structure of JN Bank, analyzes the types and characteristics of credit risk, sums up the main sources of credit risk, makes a horizontal and vertical comparative analysis of the credit risk of coal trading enterprises of JN Bank, and points out the necessity of credit risk management. Thirdly, this paper probes into the problems existing in the credit risk management of JN banks, and deeply excavates the causes of the existing problems. For the above problems, this paper puts forward some targeted suggestions, such as strengthening the internal control system of credit risk, carrying out the dynamic supervision of credit risk in the whole process, clearly positioning and grasping small and medium-sized customers, and so on, in order to get some beneficial enlightenment to the construction of credit management system of commercial banks and even the whole bank of our country.
【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：2508024
[Abstract]: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%. In the case of increasingly complex and changeable environment, reasonable control of bank credit risk is of great theoretical and practical significance to the sustainable management of modern commercial banks. First of all, on the basis of studying the relevant literature of domestic and foreign scholars on financial risk research, this paper makes a theoretical analysis and conceptual definition of credit risk research, which forms the theoretical basis of this paper. Secondly, taking the credit business of coal trading enterprises with the characteristics of JN Bank as an example, this paper analyzes the present situation of credit risk of JN Bank. This paper makes an overall description of the development status and organizational structure of JN Bank, analyzes the types and characteristics of credit risk, sums up the main sources of credit risk, makes a horizontal and vertical comparative analysis of the credit risk of coal trading enterprises of JN Bank, and points out the necessity of credit risk management. Thirdly, this paper probes into the problems existing in the credit risk management of JN banks, and deeply excavates the causes of the existing problems. For the above problems, this paper puts forward some targeted suggestions, such as strengthening the internal control system of credit risk, carrying out the dynamic supervision of credit risk in the whole process, clearly positioning and grasping small and medium-sized customers, and so on, in order to get some beneficial enlightenment to the construction of credit management system of commercial banks and even the whole bank of our country.
【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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