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论文编号：	10418
作者编号：	2120163245
上传时间：	2018/12/6 13:23:33
中文题目：	A银行T分行信贷风险管理研究
英文题目：	The Credit Risk Management in T Branch of Bank A
指导老师：	陈国欣
中文关键字：	信贷风险；信贷流程；风险管理；商业银行
英文关键字：	credit risk; credit process; risk management; commercial bank
中文摘要：	在商业银行的发展历程上，信贷风险管理占据了极其重要的地位。某种程度上可以认为风险管理是商业银行经营发展最为核心的因素。良好的风险管理能够帮助商业银行及时发现经营中的问题，并给出相应的风险防范措施，从而帮助商业银行提高经营水平，所以对于商业银行信贷风险管理的研究显得极为重要。信贷风险是不可避免的，存在于商业银行业务的各个环节，但从商业银行自身来讲，其风险管理的实质便是商业银行内部控制的过程。通过优秀的内部控制能够帮助商业银行有效提高信贷风险管理水平，降低信贷风险。 本文选择了A银行T分行作为案例进行研究。A银行T分行作为国有银行，在经营过程中信贷事件频发，极大的影响了A银行T分行的经营水平，降低了A银行T分行的效益。因此对于A银行T分行信贷风险管理的研究就显得尤为关键。本文结合内部控制理论，遵循“提出问题”、“分析问题”、“解决问题”的研究思路，在对A银行T分行信贷风险管理现状分析基础上，按照内部控制要素对A银行T分行的信贷风险管理问题进行了梳理，并针对性的给出了A银行T分行信贷风险优化建议，希望可以帮助A银行T分行提高信贷风险管理水平，进而降低信贷风险，提高经营效率。 本文研究主要的亮点在于三个：首先是对“去杠杆”背景下商业银行信贷风险现状数据归纳整理，从而分析整个商业银行信贷风险整体情况；其次以A银行T分行作为具体的案例，将信贷风险管理基本理论、信息不对称理论、全面风险管理理论、内部控制理论结合起来，从而全面体统的分析A银行T分行的信贷风险管理情况，并给出相应的完善策略；最后结合A银行T分行多个实际案例进行具体分析，促使理论和实践结合，不至于流于表面，极大的提高了本文研究的现实意义。 本文的主要不足表现有信贷风险度量的模型分析相对较少；随着互联网信息技术的不断发展，大数据、云计算等信息技术都可以为A银行T分行的信贷风险管理提供很好的帮助，但是本文在这方面的探究还不够深入。希望未来在实践中能够在这两方面进行更多探索，进一步帮助商业银行提高风险管理水平。
英文摘要：	For commercial banks, risk management is the source of sustainable development for enterprises. Because the current economic situation is complex and changeable, national policies are often adjusted, so that commercial banks must strengthen the follow-up and monitoring of credit risks. The slightest inattention or credit risk caused by temporary negligence is very likely to be for commercial banks. Operation has extremely adverse effects, and in serious cases, it will bring irreparable damage. At the same time, such risks may also affect the normal operation of the entire banking system. Because the risks are disseminated, it may be transmitted to other enterprises in the entire system, resulting in the entire banking system facing the crisis. To overcome the hidden characteristics of risk and to control risks in advance, it is necessary to conduct credit risk analysis and research in order to better manage risk. Especially in the context of the country's explicit request for “de-leverage”, the importance of credit risk management is self-evident. This paper studies the credit risk management of Bank A T Branch. In the process of research, following the ideas of “problem raising questions”, “analysing problems” and “solving problems”, combined with internal control theory and comprehensive risk management theory, the problems and reasons of credit risk management of Bank A T branches from five perspectives of internal control The analysis was carried out, and the credit risk process recommendations and safeguard measures of Bank A T Branch were given. It is hoped that A Bank T Branch can improve the credit risk management level. The research results show that the current credit risk management of Bank A T Branch is more prominent, and it needs to be optimized from all aspects of internal control. The main highlight of this paper is to combine the basic theory of credit risk management, information asymmetry theory, comprehensive risk management theory and internal control theory, so as to comprehensively analyze the credit risk management of Bank A T Branch and provide corresponding improvement. Strategy. The main shortcomings of this paper are mainly the relatively small model analysis of credit risk measurement, which is the place of regret and deficiency in this paper. Since credit risk is constantly changing with the economic situation and changes in the financial industry, it is a long-term and dynamic process for credit risk management and research of commercial banks. It is not a perfect day to establish a comprehensive credit risk management system. Therefore, it is necessary to strengthen the research and exploration of credit risk management in the banking industry in the future learning process, so as to continuously improve the credit risk management level of Bank A T Branch. In addition, with the continuous development of Internet information technology, information technology such as big data and cloud computing can provide a good help for the credit risk management of Bank A T Branch. However, the exploration of this aspect of this article is not deep enough, and I hope that in the future, we can explore more in this aspect.
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