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论文编号：	11410
作者编号：	2320170559
上传时间：	2019/12/14 17:03:11
中文题目：	X集团财务公司综合授信管理研究
英文题目：	Research on comprehensive credit management of X group finance company
指导老师：	黄福广教授
中文关键字：	X集团；财务公司；综合授信管理；风险管理
英文关键字：	X Group；Finance Company；Integrated credit management；Risk Management
中文摘要：	从二十世纪九十年代开始，随着改革开放的深入发展和新巴塞尔资本协议的制定和实施，中国金融业面临新的挑战。国内银行业在综合授信管理上逐步引进了国外先进的管理方式和理念。经过30年的发展，企业集团财务公司在继承我国商业银行多年积累下的金融行业经验的同时，也根据自身具备的产业和金融双重属性的特点，形成了符合自身发展的综合授信管理现状。本文以X集团财务公司综合授信管理作为研究案例，通过采取文献研究法、调查法、个案分析法以及定量和定性相结合的分析方法，对X集团财务公司综合授信管理的具体情况进行详细阐述。首先对于企业集团财务公司和综合授信管理的相关理论进行了介绍说明，随后对于X集团财务公司综合授信管理的现状从综合授信管理背景、综合授信管理组织架构以及综合授信管理实施三方面进行分析，包括X集团及财务公司的经营财务情况，综合授信申请、审批、用信的管理现状和X集团业务对于财务公司管理的要求等。其次，从X集团财务公司综合授信管理的问题识别、成因分析、影响三个方面，深入解析了X集团财务公司综合授信管理在申请、审批、用信方面存在的问题，并由此从制度体系建设、业务流程控制、考核激励设计等当面剖析出产生上述问题的原因，以及在现有问题对于操作风险、信用风险、监管风险造成的影响。最后，针对问题产生的原因，对完善X集团财务公司综合授信管理从制度体系建设、授信流程控制、人员绩效奖惩机制三个方面提出了改进措施，对企业集团财务公司的综合授信管理起到了一定的启发作用。本文通过对于X集团财务公司综合授信管理的研究探讨，旨在通过问题产生的原因，找到切实可行的优化方案，达到有效控制X集团金融风险，促进财务公司及集团稳健发展的目的。
英文摘要：	Since the 1990s, with the in-depth development of reform and opening up and the formulation and implementation of the New Basel Capital Accord, Our financial industry is facing new challenges. The domestic banking industry has gradually introduced advanced foreign management methods and concepts in comprehensive credit management. After 30 years of development, the enterprise group finance company inherits the management experience of our commercial banks, and also combines the characteristics of its dual characteristics of industry and finance to form a comprehensive credit management status in line with its own development. The essay takes the comprehensive credit management of X Group Finance Company as the research case, and elaborates the specific situation of the comprehensive credit management by adopting the literature research method investigation method, the case analysis method and the quantitative analysis method. Firstly, it introduces the related theories of enterprise group finance company and comprehensive credit management. Then, the status quo of comprehensive credit management is analyzed from three aspects: comprehensive credit management background, comprehensive credit management organization structure and implementation. Including the operating and financial situation, the comprehensive credit application, approval, management status of the letter and the requirements of X Group's business for the management of the financial company. Secondly, from the three aspects of the problem identification, cause analysis and influence of the comprehensive credit management. It deeply analyzes the problems existing in the application, approval and use of the comprehensive credit management, and thus from the system Construction, business process control, assessment and incentive design, analyze the causes of the above problems and the impact of existing problems on operational risks, credit risks, and regulatory risks. Finally, aiming at the causes of the problems, the improvement measures for the comprehensive credit management from the aspects of system construction, credit process control and personnel performance reward and punishment mechanism are put forward, which has made a certain contribution to the comprehensive credit management of enterprise group finance companies. Through the research on the comprehensive credit management of X Group Finance Company, this paper aims to find practical and feasible optimization plans to effectively control the financial risks and promote the steady development of financial companies and the Group.
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