A银行固定资产贷款项目评估业务存在问题及改善建议

发布时间：2018-01-09 18:04

本文关键词：A银行固定资产贷款项目评估业务存在问题及改善建议　出处：《云南大学》2015年硕士论文　论文类型：学位论文

【摘要】：固定资产贷款是我国大型商业银行当前息差盈利模式下最重要的资产业务之一,该项业务具有金额大、周期长、项目复杂等特点,该业务的发展直接影响银行盈利水平及贷款风险的控制效果,而固定资产贷款业务评价过程较为复杂,同时也是各商业银行长期以来不断探索研究的领域。固定资产贷款项目评估是A银行的传统业务优势,经过30多年发展,已形成了较为完善的评估方法和业务运作体系,在保障和促进全行业务发展中发挥了重要作用。但是,随着传统产业的转型升级以及新兴产业的兴起,此项传统优势逐步丧失。多年来,各大银行都在以A银行作为赶超目标,加快培育发展自身的项目评估能力。虽然A银行在固定资产项目评估业务领域已取得了一定成效,但仍存在项目评估专业能力建设后劲不足、专业队伍培养青黄不接等问题,特别是项目评估方法标准缺乏创新、对新兴产业及产业升级不熟悉、评估质量和评估作业效率不理想等问题比较突出。总的来看,尽管项目评估整体水平还有一定优势,但是竞争对手已经赶上来了,在有些行业、区域已经被超过, 本文从固定资产贷款项目评估业务出发,通过机构设置、流程设置、评估方法三个方面,对固定资产贷款项目评估业务的现状中存在的不足进行分析,探讨改善的可能性并提供参考建议,为本人的实际工作提供有益的参考和借鉴。
[Abstract]:Fixed assets loan is one of the most important asset business under the current profit model of interest margin of large commercial banks in our country. This business has the characteristics of large amount, long period, complex project and so on. The development of the business directly affects the profit level of the bank and the control effect of the loan risk, while the evaluation process of the fixed asset loan business is more complicated, and it is also a long time for commercial banks to explore the research field. Fixed assets loan project evaluation is the traditional business advantage of bank A, after more than 30 years of development, has formed a relatively complete evaluation method and business operation system. It has played an important role in ensuring and promoting the development of the Bank's business. However, with the transformation and upgrading of traditional industries and the rise of emerging industries, this traditional advantage has been gradually lost over the years. All the major banks are taking Bank A as the target of catching up and speeding up the development of their own project evaluation ability, although Bank A has made some achievements in the field of fixed assets project evaluation. However, there are still some problems, such as the lack of capacity building of project evaluation, the lack of innovation of project evaluation methods, and the lack of familiarity with emerging industries and industrial upgrading. Overall, although the overall level of project evaluation still has some advantages, but the competitors have caught up, in some industries. The area has been exceeded, This article from fixed assets loan project evaluation business, through the establishment of institutions, process settings, evaluation methods three aspects, the fixed assets loan project evaluation of the status quo of the existing deficiencies are analyzed. To explore the possibility of improvement and provide reference suggestions, for my practical work to provide useful reference and reference.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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