A银行广西分行信贷风险管理问题研究

发布时间：2018-10-08 22:01

【摘要】：在资本全球流转和经济全球一体化的大势所趋下,银行作为经营风险的特殊企业,从保证利益最大化、风险最小化的角度出发,信贷风险已是商业银行的首要风险。如何提高信贷风险管理水平是A银行广西分行在激烈的竞争下生存和持续发展的重大课题。本文以A银行广西分行为论证视角,在认真思考选题的目的和意义的基础上,分析目前国内外对信贷风险管理研究的成果,结合巴塞尔新资本协议Ⅲ的相关规定,通过运用相关的研究方法,设计出本文的研究思路。其次,本文从A银行广西分行现行信贷风险管理的组织框架、业务操作流程方面出发,并结合实际工作中A银行广西分行对广西TH工贸有限公司的贷款为例,分析A银行广西分行信贷风险管理问题的症结所在。然后,再借鉴国际上信贷风险管理水平较高的商业银行成功经验,对比分析学习,取长补短。最后,结合A银行广西分行区域特点、实际业务特点,有针对性的为A银行广西分行信贷风险管理提出改善措施和建议,藉此优化A银行广西分行核心竞争力,同时也为其他金融机构对信贷风险管理的完善起到了良好的借鉴作用。本文的创新之处在于笔者多年从事于A银行广西分行风险管理工作,积累了宝贵的实践经验及案例素材,以第一线工作者的视角真实分析论证了A银行广西分行信贷风险管理的问题,具有较为典型的研究价值,并能直接转化应用到将来的实际工作中。
[Abstract]:Under the general trend of the global circulation of capital and the globalization of economy, the bank, as a special enterprise of operating risk, is the primary risk of commercial bank from the point of view of maximization of guarantee benefit and minimization of risk. How to improve the level of credit risk management is an important subject for the survival and sustainable development of A Bank Guangxi Branch under the fierce competition. From the perspective of Guangxi Branch of Bank A, this paper, on the basis of seriously considering the purpose and significance of selecting the topic, analyzes the research results of credit risk management at home and abroad, and combines with the relevant provisions of the Basel New Capital Accord III. Through the use of relevant research methods, design the research ideas of this paper. Secondly, this article starts from the current credit risk management organization frame, the business operation flow aspect of the A bank Guangxi branch, and unifies in the actual work the A bank Guangxi branch to Guangxi TH industry and trade limited company's loan as the example, This paper analyzes the crux of credit risk management of Bank A Guangxi Branch. Then, draw lessons from the successful experience of commercial banks with high level of credit risk management, compare and analyze and learn from each other. Finally, combining with the regional characteristics and actual business characteristics of Bank A Guangxi Branch, the paper puts forward some improvement measures and suggestions for the credit risk management of A Bank Guangxi Branch, so as to optimize the core competitiveness of Bank A Guangxi Branch. At the same time for other financial institutions to improve credit risk management played a good role. The innovation of this paper lies in the fact that the author has been engaged in the risk management work of Guangxi Branch of Bank A for many years, and has accumulated valuable practical experience and case material. This paper analyzes and proves the problem of credit risk management in Guangxi Branch of Bank A from the perspective of front-line workers, which has typical research value and can be directly transformed into practical work in the future.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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