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论文编号：	11454
作者编号：	2320170332
上传时间：	2019/12/16 19:55:17
中文题目：	ZX银行天津分行信贷业务风险识别及控制策略
英文题目：	Risk Identification and Control Strategy of Credit Business of ZX Bank Tianjin Branch
指导老师：	武立东
中文关键字：	信贷业务风险；金融风险管理；风险因素识别
英文关键字：	Credit business risk；Financial Risk Management；Risk factor identification
中文摘要：	本文首先对我国商业银行信贷业务风险进行了理论方面概述，用以普及相关知识，通过阅览大量文献，对国内相关领域的研究现状进行系统性的文献综述；其次，以ZX银行天津分行为例，选取较有代表性的公司贷款为具体研究对象，以ZX银行天津分行信贷业务的五个操作流程（授信前受理、授信初调查、授信中审批、审批后放款、授信后管理）为主线展开行文，分析每个操作流程所产成的问题，总结问题所对应的风险因素，从风险识别、风险评估、风险分析、风险防控几个方面构建研究体系。本文将信贷业务风险因素分为内部（银行）、外部（企业）两方面，通过定性与定量相结合的方法，运用数理统计的研究方式对总结的16个风险因素（领导权利、客户经理、信审人员、合规人员、考核制度、职权范围、内审制度、贷后跟踪、资产周转率、应收账款周转率、资本积累率、利润增长率、流动比率、资产负债率、资产报酬率、经营利润率）分别进行统计分析、相关性分析、信度分析、效度分析、因子分析以及基于区间直觉模糊判断的ZX银行天津分行信贷业务风险评价模型，在充分整合评价专家对不同因子影响程度的态度之上，将专家的主观评价结果运用数理统计的方法进行科学的计算与分析，以求结果更加准确，为ZX银行天津分行乃至我国商业银行在信贷业务风险防控方面提供一定的理论依据，并对其信贷业务风险管理实践活动提供一定有指导意义的建议。
英文摘要：	Firstly, this paper gives a theoretical overview of the credit business risk of commercial banks in China, in order to popularize the relevant knowledge, through reading a large number of literature, systematically reviews the research status of domestic related fields; secondly, taking the Tianjin Branch of ZX Bank as an example, it chooses representative corporate loans as a specific study. For example, taking the five operation processes of credit business of ZX Bank Tianjin Branch as the main line, the paper analyses the problems arising from each operation process and summarizes the corresponding risk factors, from risk identification, risk assessment and wind. Risk analysis, risk prevention and control and other aspects of the construction of research system.This paper divides the risk factors of credit business into internal (bank) and external (enterprise) two aspects. By combining qualitative and quantitative methods, and using mathematical statistics research methods, it summarizes 16 risk factors (leadership rights, customer managers, credit auditors, compliance personnel, assessment system, terms of reference, internal audit system). Statistical analysis, correlation analysis, reliability analysis, validity analysis, factor analysis and ZX Bank based on interval intuitionistic fuzzy judgment are carried out respectively. On the basis of fully integrating the attitudes of experts to different factors, the credit business risk assessment model of Tianjin Branch calculates and analyses the subjective evaluation results of experts scientifically with the method of mathematical statistics, in order to obtain more accurate results, which will be the credit business style of ZX Bank Tianjin Branch and even our commercial banks. It also provides some theoretical basis for risk prevention and control, and provides some instructive suggestions for its credit business risk management practice.
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