工商银行黑龙江省分行信贷风险管理研究

发布时间：2018-05-01 13:40

本文选题：工行黑龙江省分行 + 信贷风险　；参考：《哈尔滨工程大学》2013年硕士论文

【摘要】：随着金融体制改革的不断深入，城市商业银行和股份制银行在黑龙江省迅速发展和崛起，作为黑龙江省规模最大的股份制商业银行，工商银行黑龙江省分行也面临着巨大的威胁与挑战，而信贷业务作为银行最为重要的盈利手段，，它管理水平的好坏在很大程度上决定了工行黑龙江省分行最终的市场竞争能力。论文第一章引用了相关理论及国内国际研究成果，在第二个章节结合目前工行黑龙江省分行现状阐述了工行省分行信贷风险所面临的主要问题及其成因，在第三章对工行黑龙江省分行信贷风险管理的类型进行了介绍，认真、详实地分析并总结了各种风险类型的特点。另外，本章还提出风险识别的概念，介绍了三种常用的风险识别方法。在对工行黑龙江省分行的信贷风险类别进行分析的基础上，提出了要建立信贷风险评估系统，并对该系统的合理化实施提出建议。第四章从信贷风险防范和信贷风险控制两个方面进行了探讨，第五章则试图在此基础上找出不同因素影响的情况下所能应对的策略。
[Abstract]:With the deepening of financial system reform, urban commercial banks and joint-stock banks have developed rapidly in Heilongjiang Province, as the largest joint-stock commercial banks in Heilongjiang Province. The ICBC Heilongjiang Branch also faces great threats and challenges, and the credit business as the most important profit means of the bank, its management level to a large extent determines the ICBC Heilongjiang Branch's ultimate market competitiveness. The first chapter of the thesis cited the relevant theories and domestic and international research results. In the second chapter, combined with the current situation of ICBC Heilongjiang Branch, the paper explained the main problems and the causes of the credit risk faced by ICBC Branch in Heilongjiang Province. In the third chapter, the author introduces the types of credit risk management of ICBC Heilongjiang Branch, analyzes and summarizes the characteristics of various risk types in detail. In addition, this chapter also puts forward the concept of risk identification and introduces three commonly used risk identification methods. Based on the analysis of the types of credit risk of ICBC Heilongjiang Branch, the paper puts forward the establishment of credit risk assessment system, and puts forward some suggestions on the rationalization of the system. The fourth chapter discusses the prevention of credit risk and the control of credit risk. Chapter five tries to find out the strategies that can be dealt with under the influence of different factors on the basis of credit risk prevention and credit risk control.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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