北京银行杭州分行信贷风险管理研究

发布时间：2018-02-24 12:38

本文关键词： 北京银行信贷风险管理研究　出处：《浙江工业大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来,北京银行杭州分行的一些客户把大量信贷资金盲目投入房地产、高技术等利润和风险都较高的行业,但是,由于中国经济发展速度的放缓以及国家财政金融政策的调整,少数企业特别是民营企业出现资金链断裂现象,极大地影响了银行信贷资产的安全,因此,北京银行杭州分行必须高度重视信贷行业出现的新问题,警惕出现的新风险,采取有效措施加以防范,开展信贷风险管理方面的研究具有现实意义。为了有效管理信贷风险,本课题采用理论研究法、比较法、调查研究法、案例研究法,在调研国内外银行信贷风险管理研究的基础上,重点分析了北京银行杭州分行信贷风险现状及成因,本文认为北京银行杭州分行信贷风险的成因主要由银行内部因素、企业方面的因素和外部环境的因素。银行内部因素包括信贷组织机构不健全、信贷管理体制不健全、信贷激励约束机制不完善、信贷管理方法和手段落后、利益驱使下银行从业人员违规操作等,企业方面的原因主要是企业经济效益差、企业盲目投资、企业之间相互担保以及企业主缺乏诚信带来的风险；信贷风险还受宏观经济复苏乏力、产业结构失衡、国家财政过度授信、存贷款利率变化、贷款企业集中度高等的影响。最后,本文在调研北京银行杭州分行信贷风险成因的基础上,提出了北京银行杭州分行信贷风险管理的策略：银行树立全面信贷风险管理理念、健全信贷组织管理体系、优化信贷结构、建立信贷管理岗位责任制、完善信贷激励机制、提高政策的洞察力和敏锐性、培养信贷人员的素质等,有助于降低信贷风险,提高经济效益和综合竞争力。
[Abstract]:In recent years, some customers of the Hangzhou Branch of the Bank of Beijing have blindly invested a large amount of credit funds in industries with high profits and risks, such as real estate and high technology. However, Due to the slowdown of China's economic development and the adjustment of the state's financial and financial policies, a few enterprises, especially private enterprises, have seen the phenomenon of capital chain break, which has greatly affected the security of bank credit assets. The Hangzhou Branch of Bank of Beijing must attach great importance to the new problems in the credit industry, be alert to the new risks, take effective measures to prevent them, and carry out the research on the credit risk management. In order to manage the credit risk effectively, this subject adopts the theory research method, the comparative method, the investigation research method, the case study method, on the basis of investigating the domestic and foreign bank credit risk management research. This paper mainly analyzes the present situation and causes of credit risk of Bank of Beijing Hangzhou Branch. The author thinks that the cause of credit risk of Bank of Beijing Hangzhou Branch is mainly caused by the internal factors of the bank. The internal factors of the bank include the imperfect credit organization, the imperfect credit management system, the imperfect credit incentive and restraint mechanism, the backward methods and means of credit management. The main reasons for enterprises are the poor economic benefits, blind investment, mutual guarantee between enterprises and the risks brought by the lack of good faith among business owners. The credit risk is also affected by the weak recovery of the macro economy, the imbalance of the industrial structure, the excessive credit granted by the state finance, the change of the deposit and loan interest rate, and the higher concentration of the loan enterprises. Finally, on the basis of investigating the causes of credit risk of Bank of Beijing Hangzhou Branch, this paper puts forward the credit risk management strategy of Bank of Beijing Hangzhou Branch: the bank sets up the concept of comprehensive credit risk management, and improves the credit organization management system. Optimizing the credit structure, establishing the post responsibility system of credit management, perfecting the credit incentive mechanism, improving the insight and acumen of the policy, and cultivating the quality of the credit personnel will help to reduce the credit risk, improve the economic benefit and the comprehensive competitiveness.
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【参考文献】