工行YT分行新世纪公司贷款项目风险控制研究
发布时间：2018-12-24 12:46
【摘要】：银行要开展金融业务，就不可能不经营信贷，而经营信贷不可能不承担风险，银行正是承担一定的风险才取得收益的。银行不承担风险，不开展有风险的业务，是难以发展和取得好的效益。同时，信贷经营的功夫不在于能放贷款，而在于如何识别和控制风险，通过有效的识别和控制风险而实现信贷经营的收益。事实上经营信贷就是经营风险，但是，不能识别风险、不能控制风险的贷款不能做。因此，信贷经营的实质就是在于防范和控制风险，我国银行业对信贷风险的防范问题变得日益重视。信贷风险管理是信贷管理的重要组成部分，是防范和化解信贷风险的重要手段。虽然工行YT分行有二十多年的发展历史，但是其对信贷风险管理的水平还比较低，正在由粗放型的管理模式向数量化、精细化管理模式转变。工行YT分行在企业信贷风险管理方面还处于起步阶段，需要继续借鉴国内外先进的信贷风险管理经验和方法。因此，提高工行YT分行信贷风险管理水平成为银行发展的首要任务，完善信贷风险管理体系也十分必要和迫切。 本文就工行YT分行新世纪公司贷款项目的风险特点、类别、来源进行研究，通过理论联系实际的方法，找出工行YT分行新世纪公司贷款项目存在的问题并就如何进行风险控制作出分析，提出适合工行YT分行新世纪公司贷款项目风险防范的具体措施，在完善贷款贷前风险识别和贷后风险控制方面提出解决办法。 工行YT分行营业收入中，信贷业务占了很大一部分。因此，信贷资产的管理水准和创新能力直接决定了工行YT分行整体经营管理和盈利水平的高低。但是，由于工行YT分行内部信贷资产结构不够合理，资产质量不高，不能很好的满足市场的需要，，严重制约了工行YT分行的持续发展和提高盈利水平。因此，本文就如何控制工行YT分行新世纪公司贷款项目的风险进行探索，希望能够为工行YT分行提高信贷风险控制和防范水平和实现信贷业务的稳健发展做出贡献。 本文紧密结合工行YT分行的特点，在研究中突出以下几点： 一是认真研究了工行YT分行的信贷流程及信贷风险管理的现状，确定研究的出发点； 二是通过对目前工行YT分行贷款退出与进入中存在的问题及原因进行分析，并提出一些普遍存在的问题； 三是结合工行YT分行的现状，对贷款的贷前风险识别和贷后风险控制分别作了研究，并就商业银行如何识别风险和控制风险提出了具体的建议。
[Abstract]:If the bank wants to carry out the financial business, it is impossible not to run the credit, and it is impossible for the bank not to bear the risk. It is difficult for banks to develop and obtain good benefits if they do not take risks and do not carry out risky business. At the same time, the kung fu of credit management is not to be able to release loans, but to identify and control risks, and to realize the profit of credit management by effectively identifying and controlling risks. In fact, operating credit is business risk, but loans that can't identify risk and control risk can not be done. Therefore, the essence of credit management is to prevent and control risks. Credit risk management is an important part of credit management and an important means to prevent and resolve credit risk. Although ICBC YT Branch has a history of more than 20 years, its level of credit risk management is still relatively low, and it is changing from extensive management mode to quantitative management mode and refined management mode. ICBC YT Branch is still in its infancy in the aspect of enterprise credit risk management and needs to learn from the advanced experience and methods of credit risk management at home and abroad. Therefore, it is necessary and urgent to improve the credit risk management level of ICBC YT branch and improve the credit risk management system. This paper studies the risk characteristics, categories and sources of new century company loan projects in ICBC YT Branch, and combines theory with practice methods. This paper finds out the problems existing in the new century company loan project of ICBC YT Branch, analyzes on how to carry out risk control, and puts forward concrete measures suitable for ICBC YT Branch New Century Company loan Project risk Prevention. In the improvement of loan before risk identification and risk control after loan put forward solutions. ICBC YT branch operating income, credit accounts for a large part of the business. Therefore, the management level and innovation ability of credit assets directly determine the overall management and profitability of ICBC YT branch. However, because the credit asset structure of ICBC YT branch is not reasonable and the quality of assets is not high, it can not meet the needs of the market well, which seriously restricts the sustained development of ICBC YT branch and raises the profit level. Therefore, this paper explores how to control the risk of the new century company loan project of ICBC YT Branch, hoping to contribute to the ICBC YT Branch to improve the level of credit risk control and prevention and to realize the steady development of credit business. This article closely unifies the ICBC YT branch characteristic, in the research highlights the following several points: first, has studied the ICBC YT branch credit process and the credit risk management present situation earnestly, determined the research starting point; Second, through the current ICBC YT branch loan exit and enter the existing problems and reasons, and put forward some common problems; Thirdly, combined with the current situation of ICBC YT Branch, the paper studies the pre-credit risk identification and post-loan risk control of the loan, and puts forward some specific suggestions on how to identify and control the risk in commercial banks.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
[Abstract]:If the bank wants to carry out the financial business, it is impossible not to run the credit, and it is impossible for the bank not to bear the risk. It is difficult for banks to develop and obtain good benefits if they do not take risks and do not carry out risky business. At the same time, the kung fu of credit management is not to be able to release loans, but to identify and control risks, and to realize the profit of credit management by effectively identifying and controlling risks. In fact, operating credit is business risk, but loans that can't identify risk and control risk can not be done. Therefore, the essence of credit management is to prevent and control risks. Credit risk management is an important part of credit management and an important means to prevent and resolve credit risk. Although ICBC YT Branch has a history of more than 20 years, its level of credit risk management is still relatively low, and it is changing from extensive management mode to quantitative management mode and refined management mode. ICBC YT Branch is still in its infancy in the aspect of enterprise credit risk management and needs to learn from the advanced experience and methods of credit risk management at home and abroad. Therefore, it is necessary and urgent to improve the credit risk management level of ICBC YT branch and improve the credit risk management system. This paper studies the risk characteristics, categories and sources of new century company loan projects in ICBC YT Branch, and combines theory with practice methods. This paper finds out the problems existing in the new century company loan project of ICBC YT Branch, analyzes on how to carry out risk control, and puts forward concrete measures suitable for ICBC YT Branch New Century Company loan Project risk Prevention. In the improvement of loan before risk identification and risk control after loan put forward solutions. ICBC YT branch operating income, credit accounts for a large part of the business. Therefore, the management level and innovation ability of credit assets directly determine the overall management and profitability of ICBC YT branch. However, because the credit asset structure of ICBC YT branch is not reasonable and the quality of assets is not high, it can not meet the needs of the market well, which seriously restricts the sustained development of ICBC YT branch and raises the profit level. Therefore, this paper explores how to control the risk of the new century company loan project of ICBC YT Branch, hoping to contribute to the ICBC YT Branch to improve the level of credit risk control and prevention and to realize the steady development of credit business. This article closely unifies the ICBC YT branch characteristic, in the research highlights the following several points: first, has studied the ICBC YT branch credit process and the credit risk management present situation earnestly, determined the research starting point; Second, through the current ICBC YT branch loan exit and enter the existing problems and reasons, and put forward some common problems; Thirdly, combined with the current situation of ICBC YT Branch, the paper studies the pre-credit risk identification and post-loan risk control of the loan, and puts forward some specific suggestions on how to identify and control the risk in commercial banks.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
【参考文献】
相关期刊论文 前10条
1 汪利娜;;美国次级抵押贷款危机的警示[J];财经科学;2007年10期
2 何自力;;银行中小企业贷款的效益与风险分析[J];金融论坛;2006年01期
3 李霁友;国有商业银行不良资产的再生及治理
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