KL银行大庆分行贷款项目风险管理研究

发布时间：2018-04-19 10:50

本文选题：商业银行 + 贷款项目　；参考：《东北石油大学》2013年硕士论文

【摘要】：随着我国市场经济的逐步发展以及社会再生产的不断扩大,企业在发展的过程中对于资金的需求也在不断扩大,为了解决这一矛盾,企业会通过向银行申请贷款的方式来弥补自身的资金需求。与此同时,一系列贷款项目风险问题也随之而来,且呈现出复杂多变的态势。如何及时发现商业银行运作过程中的贷款项目风险,构建一个健康、稳固的全面风险管理体系对商业银行长远发展来说尤为重要。论文首先从宏观层面阐述了商业银行实行贷款项目风险管理涉及的相关理论。然后针对KL银行大庆分行,分析了其在贷款项目风险管理方面所处的内外部环境,以及贷款项目风险管理的现状,如贷款品种比较单一、客户集中度较高、信贷资产结构需进一步优化,信贷管理人员掌控风险的能力需进一步加强等。并结合其贷款项目风险现状,运用模糊综合评价法,采用定量的方式对KL银行大庆分行贷款项目风险进行综合评价。最后结合贷款项目风险管理现状以及对贷款项目风险的综合评价结果,提出有效防范和降低贷款项目风险的举措和建议,如创新贷款品种,优化信贷结构,强化业务培训,加强信贷队伍建设等。以期通过上述研究提高KL银行大庆分行的贷款项目风险管理水平,改善银行的风险管理环境,为KL银行大庆分行成功构建科学的风险管理系统提供一定的实践指导,也为其他商业银行进行合理有效的贷款项目风险管理提供借鉴与参考。
[Abstract]:With the gradual development of China's market economy and the expansion of social reproduction, the demand for funds of enterprises is also expanding in the process of development. In order to solve this contradiction,Companies make up for their capital needs by applying for loans from banks.At the same time, a series of loan project risk problems also followed, and presents a complex and changeable situation.It is very important for commercial banks to find out the risk of loan project in time and build a healthy and stable comprehensive risk management system for the long-term development of commercial banks.At first, the paper expatiates the relevant theory of commercial bank's risk management of loan project from the macro level.Then, aiming at Daqing Branch of KL Bank, the paper analyzes the internal and external environment of risk management of loan project, and the present situation of risk management of loan project, such as single loan variety and high customer concentration.The structure of credit assets needs to be further optimized, and the ability of credit managers to manage risks should be further strengthened.Combined with the present situation of loan project risk, the paper uses fuzzy comprehensive evaluation method to evaluate the risk of loan project in Daqing Branch of KL Bank.Finally, combining the present situation of risk management of loan project and the comprehensive evaluation result of loan project risk, the paper puts forward some measures and suggestions to effectively prevent and reduce the risk of loan project, such as innovating loan variety, optimizing credit structure and strengthening business training.Strengthen the construction of credit force, etc.In order to improve the risk management level of the loan project in Daqing Branch of KL Bank, improve the risk management environment of the bank, and provide some practical guidance for the successful construction of a scientific risk management system in Daqing Branch of KL Bank.It also provides reference and reference for other commercial banks to carry out reasonable and effective loan project risk management.
【学位授予单位】：东北石油大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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