商业银行防范信贷欺诈问题研究

发布时间：2018-01-20 23:20

本文关键词： 信贷欺诈甄别防范　出处：《吉林大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，，随着我国货币信贷政策调整、社会资金面趋紧，针对银行的各种造假、欺诈行为不断增加。一些企业为了取得银行的融资，故意隐瞒对公司不利的事实，与利益相关方进行勾结，提供虚假的信息或者数据，欺骗银行；个别地方政府部门参与或默许造假；信贷经营过程中的“过度营销，过度授信，过度服务”也一定程度上助长了客户的欺诈行为。信贷欺诈不仅会给银行造成巨大的经济损失，而且还会损害商业银行的声誉和品牌形象，降低客户信任和忠诚度，甚至影响区域金融市场稳定。从商业银行不良贷款成因看，有相当部分是由于信贷欺诈行为造成的。防范客户信贷欺诈已经成为我国商业银行目前面临的一个十分重大且具有现实意义的课题，已经受到各方的普遍关注。因此，研究商业银行如何防范和控制信贷欺诈风险就具有重要的研究意义，已成为商业银行必要和必然的选择。做好信贷反欺诈工作，对有效防范商业银行欺诈风险、提高商业银行的风险管理水平，提升国际竞争能力，保持金融体系健康稳定发展具有重要的现实意义。本文分析了国内外关于信贷欺诈问题的研究现状，研究了我国关于信贷欺诈的类型和产生原因，分析了对商业银行信贷资产管理的负面影响，针对目前公司客户信贷欺诈现象极为严重的社会现状，重点研究了信贷欺诈的常用手段及其甄别，从而实现有效地识别和防范信贷欺诈的目标，并由此推动商业银行信贷业务快速稳定发展。因此商业银行要通过加强公司客户反信贷欺诈的宣传和引导，增强全员反欺诈意识，加强正面经验介绍和反面警示教育，提高全员反欺诈的警惕性和敏感性，提高反欺诈专业技能，落实授信业务真实性管理的精细化要求。
[Abstract]:In recent years, with the adjustment of monetary and credit policy in our country, the social capital is becoming tighter. In order to obtain the bank financing, some enterprises have been increasing the fraud in order to obtain the bank financing. Intentionally concealing the unfavorable facts to the company, colluding with the stakeholders, providing false information or data, and deceiving the bank; The participation or acquiescence of individual local government departments in counterfeiting; In the process of credit management, "excessive marketing, excessive credit, and excessive service" also contribute to the customer's fraudulent behavior to a certain extent. Credit fraud will not only cause huge economic losses to banks, but also damage the reputation and brand image of commercial banks, reduce customer trust and loyalty. It even affects the stability of regional financial market. Some of them are caused by credit fraud. Preventing customer credit fraud has become a very important and practical topic that our commercial banks are facing at present. Therefore, it is of great significance to study how to prevent and control the risk of credit fraud in commercial banks. It has become a necessary and inevitable choice for commercial banks to do credit anti-fraud work effectively to prevent commercial bank fraud risk improve the level of risk management of commercial banks and enhance international competitiveness. It is of great practical significance to maintain the healthy and stable development of the financial system. This paper analyzes the current research situation of credit fraud at home and abroad, studies the types and causes of credit fraud in China, and analyzes the negative impact on credit asset management of commercial banks. In view of the serious social situation of corporate credit fraud, this paper focuses on the common means of credit fraud and its discrimination, so as to achieve the goal of effective identification and prevention of credit fraud. And thus promote the rapid and stable development of commercial bank credit business. Therefore, commercial banks should strengthen the publicity and guidance of corporate customers' anti-credit fraud, enhance the anti-fraud awareness of the whole staff, strengthen the positive experience introduction and warning education, and improve the vigilance and sensitivity of the whole staff anti-fraud. Improve the professional skills of anti-fraud and implement the fine requirements of truthfulness management of credit business.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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