新疆邮政储蓄银行贷后管理研究

发布时间：2018-05-04 12:19

本文选题：新疆 + 邮政储蓄银行　；参考：《石河子大学》2017年硕士论文

【摘要】：随着经济的快速增长和投资需求的增大,我国金融机构的信贷规模日益增长,银行间的竞争加剧,为了在激烈的竞争中占据一定的市场,我国大型商业银行近年来不断扩大信贷规模。截止2016年第三季度,我国大型商业银行人民币贷款余额为848440亿元,不良贷款率为1.76%,而2015第三季度人民币贷款余额为745657亿元,不良贷款率为1.59%,增幅为0.17%。但是我国商业银行的利润却在下降。面对银行信贷规模的增长和利润增速的下降,以及信贷风险问题的加重,银行贷后管理研究就成了我国金融机构提升银行信贷资产质量的重要关卡,银行的信贷风险管理能力的提升成了维护我国金融环境稳定的重要环节。新疆作为我国重要农业大省和一带一路核心建设区域,金融业迎来了新的发展机遇,也带来了银行之间的激烈竞争。虽然新疆邮政储蓄银行在多年间的竞争中己经占据一席之地,但是也由于在发展过程中“重业务量、轻业务监管”,而造成了大量的不良资产。新疆邮政储蓄银行更加应该提高贷后业务风险的管理意识,只有把控好、管理好贷后业务风险才能使自身有更长远的发展。贷后管理对于新疆邮政储蓄银行信贷管理工作具有举足轻重的作用。贷后管理是银行信贷风险管理流程的最后一个环节,长期以来没有得到足够的重视,但却是银行防范和控制信贷业务风险的关键环节,可以提高银行整体系统的运营管理能力和竞争水平,具有十分重要的研究意义。邮政储蓄银行作为我国银行业的重要的一个组成部分,对我国银行业各个方面的发展具有十分重要的作用。本文以新疆邮政储蓄银行作为研究对象,基于新疆邮政储蓄银行目前的贷后管理现状,分析邮储银行贷后风险管理存在的问题,研究发现:(1)新疆邮政储蓄银行逾期不良贷款率和全国相比要低,个人商务贷款逾期不良贷款较少,但是小企业法人的逾期贷款不良率要相对较高。(2)在最近几年的发展中,新疆邮政储蓄银行的不良贷款率呈现逐年上升的趋势,主要是因为新疆邮政储蓄银行贷后管理缺乏先进、科学的贷后管理理念,贷后相关制度建设较为落后;贷后相关人员素质有待提高;贷后管理专业人员不足而造成的(3)新疆邮政储蓄银行内部由于结构不合理、内控制度不健全、员工的风险意识比较薄弱以及贷后检查不规范,再加上外部市场、政府及环境的影响,造成新疆邮政储蓄银行贷后管理存在着“重贷轻管”,重抵押品、轻第一还款来源的问题。根据上述结论,新疆邮政储蓄银行应从加强公司内部控制制度建设、注重信贷风险管理文化建设、加强信贷管理建设、加强信贷人员队伍建设以及建立科学的贷后管理分析系统五个方面来完善现有贷后管理制度,以便更好的控制信贷风险,促进公司的可持续发展。
[Abstract]:With the rapid growth of economy and the increase of investment demand, the credit scale of financial institutions in our country is increasing day by day, and the competition between banks is intensified. In order to occupy a certain market in the fierce competition, In recent years, China's large commercial banks continue to expand the scale of credit. By the end of the third quarter of 2016, China's large commercial banks had a RMB loan balance of 84.844 trillion yuan and a non-performing loan ratio of 1.76 yuan, while in the third quarter of 2015, the balance of renminbi loans was 74.5657 trillion yuan, and the non-performing loan rate was 1.59 yuan, an increase of 0.17%. However, the profits of commercial banks in China are declining. In the face of the growth of bank credit scale and the decline of profit growth, and the aggravation of credit risk, the research on bank post-loan management has become an important barrier for Chinese financial institutions to improve the quality of bank credit assets. The improvement of bank's credit risk management ability has become an important link to maintain the stability of our country's financial environment. Xinjiang as an important agricultural province and Belt and Road's core construction area, the financial industry ushered in new opportunities for development, but also brought fierce competition among banks. Although Xinjiang Postal savings Bank has occupied a place in the competition for many years, it has also caused a large number of bad assets due to the "heavy business volume, less business supervision" in the development process. The Xinjiang Postal savings Bank should enhance the management consciousness of the risk of the post-loan business. Only by controlling and managing the risk of the post-loan business well can the bank have a more long-term development. The post-loan management plays an important role in the credit management of Xinjiang Postal savings Bank. Post-loan management is the last link in the process of bank credit risk management, which has not been paid enough attention for a long time, but it is the key link for banks to prevent and control the risk of credit business. It can improve the operation management ability and competition level of the whole bank system, and has very important research significance. As an important part of China's banking industry, Postal savings Bank plays an important role in the development of China's banking industry. This paper takes the Xinjiang Postal savings Bank as the research object, based on the present situation of post-loan management of Xinjiang Postal savings Bank, analyzes the existing problems of post-credit risk management of Postal savings Bank. The study found that the ratio of overdue non-performing loans of the Xinjiang Postal savings Bank was lower than that of the whole country, and that the rate of overdue non-performing loans of personal business loans was relatively low, but the rate of overdue loans of legal persons in small enterprises was relatively high.) in recent years, the rate of overdue non-performing loans of the postal savings banks in Xinjiang is relatively high.) in recent years, The non-performing loan rate of Xinjiang Postal savings Bank has been increasing year by year, mainly because of the lack of advanced post-loan management, scientific post-loan management concept and backward construction of post-loan related system in Xinjiang Postal savings Bank. The quality of related personnel needs to be improved after loan. (3) the internal structure of Xinjiang Postal savings Bank is unreasonable, the internal control system is not perfect, the risk consciousness of employees is relatively weak, and the post-loan inspection is not standardized. In addition, the external market, the government and the environment influence, resulting in the Xinjiang Post savings Bank after the management of the existence of "heavy credit, less management, more collateral, less the first source of repayment of the problem." According to the above conclusion, the Xinjiang Post savings Bank should strengthen the construction of internal control system of the company, pay attention to the construction of credit risk management culture, and strengthen the construction of credit management. In order to control the credit risk and promote the sustainable development of the company, we should strengthen the construction of credit personnel and establish a scientific post-loan management and analysis system to perfect the existing post-loan management system.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F618.3

【参考文献】