交通银行贷款授信项目风险评价与防范研究

发布时间：2018-03-22 16:07

本文选题：贷款授信　切入点：授信项目　出处：《燕山大学》2013年硕士论文　论文类型：学位论文

【摘要】：经过三十多年的发展，，我国商业银行逐步建立了授信风险管理体系，管理方法、管理体制日趋成熟，风险管理作用也日渐显著。授信风险管理作为风险管理的最主要内容，越来越受到关注。但是，随着商业银行的不断发展，授信业务在外部经济环境和内部机制的影响下逐渐发生变化，授信风险种类渐渐增多，授信风险管理难度逐渐加大。在这种背景下，授信风险管理的有效性便成了商业银行健康有序发展的重要保障。本文在描述交通银行贷款授信项目风险管理现状的基础上，指出交通银行贷款授信项目风险管理中存在的问题，并结合交通银行秦皇岛分行的一个贷款授信项目进行风险评价，最后提出交通银行防范贷款授信项目风险的对策。针对本文的研究内容，采用文献分析法、案例分析法和模糊综合评价法进行研究。首先，对本文的研究背景、研究意义、国内外研究综述、研究方法和研究内容进行了论述，并对文中涉及到的相关概念和基础理论进行了概述，为全文提供理论指导。其次，依据交通银行年度公报及搜集的相关资料，对交通银行贷款授信项目风险管理现状进行了阐述，分析出了交通银行贷款授信项目风险管理中存在的问题。再次，介绍了交通银行贷款授信项目风险识别的内容，构建了贷款授信项目风险评价指标体系，并以秦皇岛分行的一个贷款授信项目为例，运用模糊综合评价法对其风险大小进行评价。最后，提出了交通银行防范贷款授信项目风险的对策和建议，包括完善信用评级制度和风险测评体系、优化风险内部控制体系、加强风险预警体系建设、对集团客户、中小企业区别操作和建设良好的贷款授信风险管理文化。
[Abstract]:After more than 30 years' development, China's commercial banks have gradually established a credit risk management system, management methods, management system is increasingly mature, risk management role is becoming increasingly prominent. Credit risk management as the most important content of risk management. However, with the continuous development of commercial banks, the credit business has gradually changed under the influence of external economic environment and internal mechanism, and the types of credit risk have gradually increased. The difficulty of credit risk management is gradually increasing. Under this background, the validity of credit risk management has become an important guarantee for the healthy and orderly development of commercial banks. This paper points out the problems existing in the risk management of the loan credit project of Bank of Communications, and carries out the risk evaluation combined with a loan credit project of Qinhuangdao Branch of Bank of Communications. Finally, the paper puts forward the countermeasures to prevent the risk of the loan credit project in Bank of Communications. In view of the research content of this paper, the paper uses the literature analysis method, the case analysis method and the fuzzy comprehensive evaluation method to carry on the research. First of all, the research background, research significance, domestic and foreign research review, research methods and research content are discussed, and the related concepts and basic theories are summarized, which provides theoretical guidance for the full text. Secondly, according to the annual bulletin of Bank of Communications and the relevant information collected, this paper expounds the present situation of risk management of loan credit project of Bank of Communications, and analyzes the problems existing in risk management of loan credit project of Bank of Communications. Thirdly, it introduces the content of risk identification of loan credit project of Bank of Communications, constructs the risk evaluation index system of loan credit project, and takes a loan credit project of Qinhuangdao Branch as an example. The fuzzy comprehensive evaluation method is used to evaluate the risk. Finally, the paper puts forward the countermeasures and suggestions of Bank of Communications to prevent the risk of the loan credit project, including perfecting the credit rating system and risk evaluation system, optimizing the risk internal control system, strengthening the construction of the risk warning system, and improving the group customers. Small and medium-sized enterprises distinguish between operation and construction of good credit risk management culture.
【学位授予单位】：燕山大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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