工商银行公司信贷抵质押品管理策略研究

发布时间：2018-04-26 19:21

本文选题：商业银行 + 抵质押品　；参考：《华东师范大学》2013年硕士论文

【摘要】：近年来,受国际形势复杂多变、全球通胀压力普遍偏大等诸多不利因素影响,世界经济发展速度放缓,中国经济出现了一定迹象的下滑,部分行业风险集中爆发：企业纷纷倒闭、企业法人逃逸等。各种风险事件的频繁发生使得企业贷款到期后,借款人无法正常偿还,银行不良贷款及不良贷款率不断攀升。2012年上海地区就发生了诸如钢贸企业不良贷款集中爆发的事件,这也给我们敲响了警钟。在目前信贷模式中,以抵质押方式获得银行授信取得贷款为主导,当借款出现风险时,信贷抵质押品就成为了银行贷款偿还的最后一道屏障。在此背景下,加强抵质押品的管理、正确评估抵质押品的价值、提高抵质押品的变现能力就变极其重要。本文首先对商业银行公司信贷抵质押品进行综述,对抵质押品的概念、特征、类型等进行基本介绍,在介绍国外银行信贷业务管理的经验后,指出我国商业银行抵质押品管理所存在的难点。从公司信贷工作实际出发,对相关信贷资产质量进行分析,阐述了工商银行公司信贷抵质押品管理的现状,提出了工商银行公司抵质押物管理中的相关问题。通过问题的研究与分析,本文在第4章提出了优化对策,建议通过树立正确的信贷风险理念、严格执行押品价值评估管理制度、加大第三方信贷外包的动态监测、完善抵质押品内部处置流程等手段强化抵质押品的全流程管理、精细化管理,对银行公司信贷资产的优化具有一定意义。纵观全文,论文主要根据工商银行的公司信贷业务开展情况进行分析与研究。目前国内信贷品种与国外区别较大,信贷管理的理念有所不同,对于信贷押品管理后续将是一个持续研究的过程,相信中国银行业务对于信贷业务的管理将在不断积累经验,也希望本文提出的对策能够对我国银行业信贷管理带来一定帮助。
[Abstract]:In recent years, under the influence of many unfavorable factors, such as the complex and changeable international situation, the global inflation pressure is generally on the high side, the world economy has slowed down, and the Chinese economy has shown signs of decline. Part of the industry risk concentrated outbreak: enterprises have closed down, corporate escape and so on. The frequent occurrence of various risk events makes the borrower unable to repay normally after the maturity of the enterprise loan, and the non-performing loans and the non-performing loan rate of the bank are constantly rising. In 2012, there were incidents such as the concentrated outbreak of non-performing loans in the steel trade enterprises in Shanghai. This also sounded the alarm bell for us. In the current credit model, the way to obtain bank credit to obtain loans as the dominant, when the loan risk, the credit collateral has become the last barrier for the bank to repay the loan. Under this background, it is very important to strengthen the management of the pledge, to evaluate the value of the pledge correctly and to improve the realization ability of the pledge. In this paper, we first summarize the credit pledge of commercial banks, introduce the concept, characteristics and types of the collateral, and introduce the experience of foreign banks in the management of credit business. This paper points out the difficulties in the management of the collateralized goods of commercial banks in China. Based on the practice of corporate credit, this paper analyzes the quality of related credit assets, expounds the present situation of ICBC's credit collateral management, and puts forward some related problems in ICBC's credit pledge management. Through the research and analysis of the problems, this paper puts forward the optimization countermeasures in Chapter 4, and suggests that the dynamic monitoring of third-party credit outsourcing should be strengthened by establishing a correct concept of credit risk, strictly implementing the value evaluation management system of collateral, and increasing the dynamic monitoring of third-party credit outsourcing. It is significant to optimize the credit assets of the bank company by perfecting the internal disposal process of the hypothecation and strengthening the whole process management and fine management of the hypothecation. Throughout the paper, the thesis mainly based on the ICBC corporate credit business development analysis and research. At present, the variety of domestic credit is quite different from that of foreign countries, and the concept of credit management is different. The follow-up to the management of credit collateral will be a continuous research process. I believe that the management of credit business in China's banking business will accumulate experience continuously. I also hope that the countermeasures put forward in this paper can help China's banking credit management.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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