工商银行内蒙古分行信贷风险管理研究

发布时间：2018-05-26 00:29

本文选题：工商银行内蒙古分行 + 信贷业务　；参考：《内蒙古大学》2015年硕士论文

【摘要】：伴随着全球经济一体化的脚步,中国经济对外开放水平日益提升,国内的金融机构面临着来自世界各国同行的竞争。当前的中国,银行在金融体系中的主角地位依然未变,社会经济也在商业银行的有力支撑下有序发展着。但是银行业在提供金融服务和赢取利润的同时,也积聚了经济体中各行各业不同的风险。鉴于目前的经济发展趋势,国内商业银行有必要增强风险管理意识,进一步增加自身收益,使得经济稳定发展,并使金融环境趋于稳定。因此,无论是从理论角度还是现实方面,对工商银行内蒙古分行信贷风险管理进行研究都最具重大意义。现代金融以商业银行为中心,经济发展同样得益于商业银行,其运行是否稳定、发展是否良好关乎着整个社会经济的前进步伐。但是,国内商业银行在信贷风险管理领域还相对薄弱,不良贷款率未能控制在较低范围。因此,工商银行内蒙古分行必须加强对贷款危机的监管,在风险面前采取高水准的应对措施,高度重视对不良贷款的妥善处理,将其带给内蒙古分行的损失尽可能降低。本文结合笔者在工商银行内蒙古分行多年的工作经验与切身的体会,运用有关的金融理论知识,通过工商银行内蒙古分行信贷风险的现状进行分析,总结提炼工商银行内蒙古分行信贷风险管理存在的问题,从而为工商银行内蒙古分行信贷优化风险管理系统提供思路；通过深入分析其所面临的信贷风险以及其采取的应对措施,找出其在风险管理上的不足之处,探讨相应的解决办法,并对工商银行内蒙古分行信贷风险管理系统的优化途径提供思路。
[Abstract]:With the pace of global economic integration, the level of China's economic opening to the outside world is increasing, and domestic financial institutions are facing competition from their counterparts from all over the world. In current China, the leading role of banks in the financial system remains unchanged, and the social economy is developing orderly under the support of commercial banks. But banking, while providing financial services and earning profits, also accumulates different risks in various sectors of the economy. In view of the current trend of economic development, it is necessary for domestic commercial banks to strengthen the awareness of risk management, further increase their own income, make the economy stable development, and make the financial environment tend to be stable. Therefore, it is of great significance to study the credit risk management of ICBC Inner Mongolia Branch both theoretically and practically. The modern finance takes the commercial bank as the center, the economic development also benefits from the commercial bank, its operation is stable, whether the development is good is related to the entire social economy advancement step. However, domestic commercial banks are relatively weak in the field of credit risk management, and the non-performing loan ratio is not controlled in a lower range. Therefore, the Inner Mongolia Branch of ICBC must strengthen the supervision of the loan crisis, take high standard measures in the face of risks, attach great importance to the proper handling of non-performing loans, and reduce the losses brought to the Inner Mongolia Branch as far as possible. Combined with the author's working experience and personal experience in ICBC Inner Mongolia Branch for many years, this paper analyzes the credit risk situation of ICBC Inner Mongolia Branch by using relevant financial theory knowledge. Summarize and refine the problems existing in the credit risk management of ICBC Inner Mongolia Branch, so as to provide the train of thought for the ICBC Inner Mongolia Branch credit optimization risk management system; Through in-depth analysis of the credit risk it faces and the countermeasures it takes, it finds out its shortcomings in risk management, and probes into the corresponding solutions. And provides the train of thought to the ICBC Inner Mongolia branch credit risk management system optimization way.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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