N银行公司信贷业务信用风险管理研究

发布时间：2018-03-23 15:03

本文选题：信用风险　切入点：N银行　出处：《南京农业大学》2013年硕士论文

【摘要】：商业银行作为经营货币的特殊企业,其信贷风险属性是与生俱来的。因此,自从银行出现的那时起,各家银行就在寻找信贷风险治理的手段和方法,以此尽力控制信贷风险的产生。信贷风险管理作为银行风险管理最重要的一环,是指商业银行在信贷前的风险识别、评价和度量,贷中的控制,以及贷后的管理,从而能够以最低的成本,实现信贷资产的安全最大化。信贷业务是我国商业银行的主要业务,信贷风险是商业银行面临的主要风险,对信贷风险的量化研究在理论上还有许多问题没有解决,在信贷风险管理方面,有许多问题值得我们在理论上进一步研究和探讨。而风险管理上的差距,是我国商业银行与国外先进银行的最大差距,也是我国商业银行整体竞争力和盈利能力不强的根本原因。随着世界经济一体化趋势的加强以及我国加入WTO后金融业准入制的实施,金融机构间特别是银行业将面临更加激烈的竞争。因此,结合现实情况加强对信贷风险管理方法和机制的研究,就显得非常重要。本文首先对信贷风险和信贷风险管理进行界定,然后回顾国内外信贷风险研究的相关文献,并对信贷风险的测度方法进行介绍；通过对N银行经营状况的财务分析和贷款信用风险的深入分析,概括出N银行的发展现状及信贷风险管理中仍存在的问题,深入剖析当前N银行信贷风险管理仍存在问题的原因。商业银行如何建立一套完善合理的信贷风险管理体系来解决企业对资金的需求,这是商业银行进行金融监管创‘新和自身发展壮大的需要,也是企业发展的需要。因此,对N银行而言,当务之急是建立有效的信用风险管理体系,提高信贷效率,以此解决越来越多信贷融资问题。在对每一项业务的信贷风险进行分析和实证研究的过程中,遵循先定性分析,再定量测度和定量分析的方法,在此基础上提出信贷风险管理方法和具体措施。
[Abstract]:As a special enterprise operating money, commercial banks are inherently endowed with credit risk attributes. Therefore, since the emergence of banks, banks have been looking for means and methods to manage credit risks. Credit risk management, as the most important part of bank risk management, refers to the risk identification, evaluation and measurement of commercial banks before credit, control in loans, and post-loan management. In order to maximize the security of credit assets at the lowest cost, credit business is the main business of commercial banks in China, and credit risk is the main risk faced by commercial banks. There are still many problems in the quantitative study of credit risk in theory. In the aspect of credit risk management, there are many problems that we should further study and discuss in theory. It is the biggest gap between China's commercial banks and foreign advanced banks. It is also the fundamental reason why the overall competitiveness and profitability of Chinese commercial banks are not strong. With the strengthening of the trend of world economic integration and the implementation of the entry system of the financial industry after China's entry into WTO, Financial institutions, especially the banking sector, will face more intense competition. Therefore, the study of credit risk management methods and mechanisms should be strengthened in the light of the actual situation. This paper first defines credit risk and credit risk management, then reviews the relevant literature of credit risk research at home and abroad, and introduces the measurement method of credit risk; Based on the financial analysis of N bank and the deep analysis of credit risk, the paper summarizes the development status of N bank and the problems in credit risk management. How to set up a set of perfect and reasonable credit risk management system to solve the enterprise's demand for funds, This is the need for commercial banks to create new financial supervision and develop themselves, and also for the development of enterprises. Therefore, for N Bank, the most urgent task is to establish an effective credit risk management system and improve credit efficiency. In order to solve more and more credit financing problems. In the process of analyzing and studying the credit risk of each business, we should follow the methods of qualitative analysis, quantitative measurement and quantitative analysis. On this basis, the credit risk management methods and specific measures are put forward.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F272.3;F832.4

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