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论文编号：	10972
作者编号：	2220150542
上传时间：	2019/6/14 13:26:32
中文题目：	CZ银行信贷风险管理研究
英文题目：	Study on the Credit Risk Management of CZ Bank
指导老师：	牛建波
中文关键字：	商业银行；信贷业务；风险管理
英文关键字：	Commercial Bank; Credit Business; Risk Management
中文摘要：	进入新世纪以来，我国的银行业经历了十多年的高速增长期，取得了傲人的成就，整体的经营实力不断壮大。然而，近年来，面临着日趋复杂多变的国际国内发展大环境，我国商业银行在信贷业务发展的过程中也面临着前所未有的挑战，对其信贷风险管理造成了很大的威胁。在上述大背景下，如何充分发挥自身资源和经营管理优势，抢抓经济新常态下的历史发展机遇，进而不断增强自身信贷风险管理能力，实现自身信贷业务基业长青就成为当前我国商业银行管理层迫切需要重点考虑的关键性和战略性问题，必须给予高度的重视。 在此背景下，作为中国银保监会批准设立的12家全国性股份制商业银行中的一员，CZ银行近年来厚植基础、苦练内功，取得了较好的信贷业务经营业绩。然而，综合来看，受经济、社会、金融等大环境中的不利因素影响，CZ银行在近年来的信贷业务发展过程中也受到了前所未有的挑战，其信贷风险管理能力也受到了较大的影响。基于此，本文以CZ银行作为研究对象，在对其信贷风险管理现状进行了深入分析的基础上对其当前信贷风险管理所面临的问题进行了分析和总结。接下来，主要从进一步完善公司治理、着力提升风险管理意识、加快信贷风险管理制度建设、完善信贷风险管理流程、加快全面风险管理体系建设等五个方面提出了针对性的对策建议。最后，为了确保所提出的信贷风险管理对策得以顺利实施，取得预期的效果，CZ银行应采取如下的保障措施：强化人力资源管理、提供充足的财务保障、加强企业文化建设。 本文的研究将有助于帮助CZ银行扭转其信贷风险管理当前不利的发展态势，增强其信贷风险管理能力，这对于促进该行信贷业务保持健康发展具有重要的现实意义。与此同时，作为我国金融行业中具有一定典型代表性的商业银行，CZ银行信贷风险管理的研究也将对我国其他商业银行开展信贷风险管理研究提供可供参考的研究范例，这对于提升我国商业银行整体的信贷风险管理水平，实现稳定发展也将具有重要的意义。
英文摘要：	Since the beginning of the new century, China's banking industry has made great achievements after more than ten years of high-speed growth, and the overall operational strength has been growing. However, in recent years, facing the increasingly complex international and domestic development environment, China's commercial banks are also facing unprecedented challenges in the process of credit business development, which has posed a great threat to their credit risk management. On the basis of the above background, how to give full play to their own resources and management advantages, seize the historical development opportunities under the new normal economic situation, and then continuously enhance their own credit risk management capabilities, achieve their own credit business evergreen has become a key and strategic issue for management of commercial banks in China to focus on, and we must attach great importance to it. Under the above background, as one of the 12 national joint-stock commercial banks approved by the China Bank Insurance Regulatory Commission, CZ Bank has made good achievements in credit business in recent years by laying a solid foundation and practicing hard its internal skills. However, from a comprehensive perspective, in recent years, influenced by the unfavorable factors in the economic, social and financial environment, CZ bank has also faced with unprecedented challenges in the development of its credit business, and its credit risk management ability has also been greatly affected. Based on this, this paper takes CZ Bank as the research object, and one the basis of in-depth analysis of its credit risk management status to analyze and summarize the problems faced by its current credit risk management. Next, in view of these problems, it mainly from the following five aspects to put forward the targeted countermeasures and suggestions: further improve corporate governance, focus on enhancing risk management awareness, speed up the construction of credit risk management system, improve credit risk management process, and accelerate the construction of comprehensive risk management system. Finally, in order to ensure the smooth implementation of the proposed credit risk management measures and achieve the desired results, CZ Bank should take the following safeguards: strengthen human resources management, provide adequate financial security, and strengthen the construction of corporate culture. This study will help CZ Bank to reverse its current unfavorable development trend of credit risk management, enhance its credit risk management capabilities, and this will have important practical significance for promoting the healthy development of its credit business. At the same time, as a typical representative commercial bank in China's financial industry, the research on credit risk management of CZ bank will also provide reference research examples for other commercial banks in China to carry out credit risk management research, which will have very important practical significance for improving the overall credit risk management level of commercial banks and achieving stable development.
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