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论文编号：	11155
作者编号：	2320170754
上传时间：	2019/12/7 22:16:28
中文题目：	Z银行B分行企业客户信贷风险管理优化研究
英文题目：	Optimization Research on the Credit Risk Management of Corporate Customers in B Branch of Bank Z
指导老师：	郝臣
中文关键字：	商业银行;信贷业务;财务分析;信贷风险
英文关键字：	Commercial Bank;Credit Operation;Financial Analysis;Credit Risk
中文摘要：	商业银行在现代金融体系中占据主体地位，商业银行的稳健经营是国民经济得以持续健康发展的重要保障。信贷业务是商业银行的主要利润来源，信贷风险在商业银行中持续存在，是商业银行面临的主要风险之一。随着近年来我国经济发展转型，GDP增速放缓等外部环境的变化，银行所面临的信贷风险愈发突显。商业银行为在复杂多变的外部形势下保持着健康稳定的经营，必然需要提升自身的信贷风险管理水平，减少信贷业务违约损失。 本文以Z银行B分行的经营现状为背景，发现其在2018年由于批发零售业客户出现较大规模不良，导致其当年资产质量水平大幅下降。为发现Z银行B分行在信贷风险管理中存在的问题，以其公司授信业务中发生信贷违约的批发零售业A公司为案例，深入研究Z银行B分行的信贷业务流程和信贷风险管理的具体措施，探讨Z银行B分行在信贷风险管理过程中存在的不足，剖析不足产生的原因，在结合国内外学者对商业银行信贷风险防控的理论研究成果的基础上，提出相关的优化建议和措施。目前Z银行B分行在信贷风险管理上存在诸多问题：在风险识别和评估方面，对财务信息分析过于模式化，仍以主观定性判断为主，导致无法对信贷风险进行有效识别和有效评估；在风险监控预警方面，贷后管理流于形式，未能及时获取企业风险信息，获取信息后未能进行准确判断，导致监控预警机制失效；在风险管理的组织架构方面，虽然具备较完整的架构形式却不具备完整风险管控职能的体系，无法从实质上提升防控信贷风险的能力。 针对Z银行B分行在信贷风险管理中出现的问题，本文试图从信贷风险识别和评价内容、信贷风险监控预警流程、信贷管理机制等多方面提出优化建议，力图为B分行匹配更有效的信贷风险评估方法，建立更完善的信贷风险管理机制，从整体上提升Z银行B分行的信贷风险管理水平。
英文摘要：	Commercial banks occupy a dominant position in the modern financial system.The stable operation of commercial banks is an important guarantee for the sustained and healthy development of the national economy.Credit business is the main source of profit for commercial banks. Credit risk which is one of the main risks faced by commercial banks exists all the time. With the transformation of China's economic development and the change of external environment such as the slowdown of GDP growth in recent years, the credit risk faced by banks has become increasingly prominent. In order to maintain a healthy and stable operation in the complex and changeable external situation, commercial banks must improve their credit risk management level and reduce the default losses of credit business. With the current operation status of B Branch of Bank Z in the background, it is found that in 2018, due to the emergence of a large scale of low-quality customers in the wholesale and retail industry, B Branch of Bank Z has experienced a significant decline in the asset quality level of that year. In order to find out the problems lying in the credit risk management of B Branch of Bank Z, this paper takes company A, a wholesale and retail company with credit default in its credit granting business, as an example, to study deeply the credit business process and concrete measures of credit risk management of B Branch of Bank Z. And then this paper probes into the deficiencies existing in the process of credit risk management of B Branch of Bank Z, analyses the causes of the deficiencies, and puts forward relevant optimization suggestions and measures accordingly, based on the theoretical research results of domestic and foreign scholars on the prevention and control of credit risk of commercial banks. At present, there are many problems in credit risk management of Bank Z B Branch: in the aspect of risk identification and evaluation, the analysis of financial information is too patterned, and subjective qualitative judgment is still dominated, which makes it impossible to effectively identify and evaluate credit risk; in the aspect of risk monitoring and early warning, post-loan management is mere formality, and enterprise risk information can not be obtained in time and can not be accurately judged after obtaining, which leads to the failure of monitoring and early warning mechanism; in terms of the organizational structure of risk management, although it has a relatively complete form of structure, it does not have a complete function system of risk control, and can not substantially enhance the ability to prevent and control credit risk. In view of the problems in credit risk management of B Branch of Bank Z, this paper tries to put forward optimization suggestions from the aspects of credit risk identification and evaluation content, credit risk monitoring and early warning process, credit management mechanism, in order to match more effective credit risk assessment methods and establish a more thorough credit risk management mechanism to improve the credit risk management level for B Branch of Bank Z.
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