越南商业银行信贷管理现状研究

发布时间：2018-06-21 04:11

本文选题：越南商业银行 + 信贷管理　；参考：《昆明理工大学》2014年硕士论文

【摘要】：最近十几年,世界经济呈现复苏和温和增长态势,金融发展的全球化、信息化和自由化趋势进一步强化。越南经济工业化、市场化、城市化、国际化和现代化的进程在不断加快,经济保持较高的增速。越南金融领域的改革力度不断加大,逐步形成多种银行并存的金融机构体系及多层次和多功能的金融市场体系,金融秩序走向规范,同业竞争日趋激烈。经过短短的20多年的发展,越南的银行业已从一个单层的银行体系,俨然发展成为包括银行和非银行金融机构的一个大系统。目前越南银行业金融机构包括5家国有商业银行,34家股份商业银行,5家外国银行,4家合资银行,100家外国金融组织驻越办事处,18家金融公司,12家金融租赁公司,约1100家信用社。总资产方面最大的银行是农业银行(VBARD),在注册资金方面最大的银行是Vietinbank(CTG).但与区域同行相比,越南银行的规模还是比较小的。目前,商业银行的金融业务活动方面的影响作用越来越大,对整个社会的金融货币的流动产生了重要影响,已经发展为国家宏观经济调控的重要方法和手段。随着当前越南商业银行信贷管理问题的不断出现,只有加强商业银行的信贷管理,不断调整信贷结构,控制信贷风险,健全独立完整的信贷利率体系,才能够全方位地提高社会的经济效益,促进金融市场的发展。本文主要对越南商业银行的信贷管理现状进行研究,研究分为六个部分。首先是绪论,论述了课题研究的背景和意义,越南国内外商业银行信贷管理研究的动态分析,第二部分是相关理论基础,结合当前商业银行的基本概念、职能以及信贷管理的概念和基本原则,重点论述了当前商业银行信贷管理的主要内容：信贷资金筹集管理、贷款管理、存贷款利率管理和信贷风险管理。第三部分是越南商业银行信贷管理现状分析,作为当前课题研究的重点部分,结合越南商业银行发展概况,对越南商业银行信贷管理的现状进行了全面的分析,并提出了当前越南商业银行信贷管理存在的主要问题,主要包括筹集资金不符合贷款和投资的需求；贷款总额类别设置不合理；资本能力还有限制;模糊报道的不良资产水平;银行贷款监察问题；信贷风险管理问题；商业银行没有完全符合Basel Ⅰ等。第四部分为越南商业银行信贷管理的内外影响因素分析。第五部分是越南商业银行信贷管理对策研究,主要从改善越南国内政治、经济及社会环境,设计合理贷款结构,提高信贷人员的专业素养,提高风险识别能力,设立适当的信贷风险管理规程几个方面来进行越南商业银行信贷管理进行完善和改革。最后是结论与展望,对研究的不足、结论以及未来研究进行了展望。研究对提高越南商业银行信贷管理提供了理论依据,有一定的现实意义。
[Abstract]:In recent years, the world economy has shown a trend of recovery and moderate growth, and the trend of globalization, informatization and liberalization of financial development has been further strengthened. The process of industrialization, marketization, urbanization, internationalization and modernization of Vietnam's economy is accelerating. The reform of Vietnam's financial field has been intensified, and a multi-level and multi-functional financial market system has been gradually formed. The financial order is becoming more and more standardized, and the competition among the banks is becoming more and more intense. After more than 20 years of development, the banking industry in Vietnam has developed from a single-tier banking system to a large system including banks and non-bank financial institutions. At present, Vietnamese banking financial institutions include 5 state-owned commercial banks, 34 shares, commercial banks, 5 foreign banks, 4 joint ventures, 100 foreign financial organizations, offices in Vietnam, 18 financial companies, 12 financial leasing companies, and about 1100 credit unions. The largest bank in terms of total assets is Agricultural Bank VBARDX and the largest bank in terms of registered funds is Vietnam Bank CTG. But compared with their regional counterparts, Vietnamese banks are still relatively small. At present, the influence of commercial banks' financial activities has become more and more important, which has had an important impact on the flow of financial money in the whole society, and has developed into an important method and means of national macroeconomic regulation and control. With the continuous emergence of credit management problems in Vietnamese commercial banks, only by strengthening the credit management of commercial banks, constantly adjusting the credit structure, controlling credit risks, and perfecting the independent and complete credit interest rate system, In order to improve the overall economic benefits of society, promote the development of financial markets. This paper mainly studies the credit management status of Vietnamese commercial banks, the research is divided into six parts. First of all, the introduction discusses the background and significance of the research, the dynamic analysis of the credit management research of commercial banks in Vietnam and abroad. The second part is the relevant theoretical basis, combined with the current basic concepts of commercial banks. The function and the concept and basic principle of credit management are discussed, and the main contents of credit management of commercial banks are discussed in detail: credit fund raising management, loan management, deposit and loan interest rate management and credit risk management. The third part is the analysis of the status quo of the credit management of the Vietnamese commercial banks. As the key part of the current research, combined with the general situation of the development of the Vietnamese commercial banks, the paper makes a comprehensive analysis of the present situation of the credit management of the Vietnamese commercial banks. The main problems in the credit management of Vietnamese commercial banks are put forward, including that the raising of funds does not meet the demand of loans and investments, the setting of total loan categories is unreasonable, the capital capacity is still limited, and the level of non-performing assets as reported vaguely; Bank loan supervision; credit risk management; commercial banks are not in full compliance with Basel I and so on. The fourth part is the analysis of the internal and external factors influencing the credit management of Vietnamese commercial banks. The fifth part is the research on the credit management countermeasures of Vietnamese commercial banks, mainly from improving the domestic political, economic and social environment of Vietnam, designing reasonable loan structure, improving the professional quality of credit personnel, and improving the ability of risk identification. Establish appropriate credit risk management regulations to improve and reform the credit management of Vietnamese commercial banks. Finally, the conclusion and prospect are given. The deficiency, conclusion and future research are prospected. The study provides a theoretical basis for improving the credit management of Vietnamese commercial banks and has certain practical significance.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F833.33

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