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论文编号：	12108
作者编号：	2320180599
上传时间：	2020/12/11 22:09:58
中文题目：	T银行理财子公司信用风险管理研究
英文题目：	Research on credit risk management of T Bank Asset Management Co. Ltd.
指导老师：	李莉教授
中文关键字：	银行理财子公司;信用风险;风险管理
英文关键字：	Bank Asset Management Co. Ltd.;Credit Risk;Risk management
中文摘要：	伴随我国经济持续快速增长，居民财富迅速积累，金融资产配置占比提升， 我国资产管理行业实现了快速发展，总规模已跃居世界前列。资产管理行业快 速发展的同时也积累了矛盾，银行理财等业务偏离了资产管理业务本源，成为 “影子银行”。为了引导资产管理行业健康可持续发展，2018 年资管新规的颁布， 拉开了行业向着健康有序的方向转型升级的序幕。银行理财子公司是资管新规 提出的进行银行理财经营管理的新的主体形式，是我国资产管理市场中最重要 的力量之一。银行理财产品是面向大众客户的资产管理产品，固定收益资产是 其配置的主要资产类别。所以信用风险是银行理财子公司面临的最主要风险之 一。信用风险管理研究一直是金融风险管理领域理论研究的热点之一，优化信 用风险管理能力是银行理财子公司打造专业化资产管理能力，提升核心竞争力 的有效途径。 T 银行是上市的中小银行，设立理财子公司是顺应资管新规和拓展自身发展 的需要。信用风险是 T 银行理财子公司面临的最主要风险之一，在我国信用债 市场违约呈现常态化的背景下，对信用风险管理提出了更高的要求，提升信用 风险管理能力是 T 银行理财子公司打造专业化资产管理品牌的重要抓手。本文 通过对 T 银行理财子公司的案例进行深入分析，充分识别其所面临的信用风险， 在此基础上进一步研究和探讨公司信用风险管理中存在的问题，以期找到合适 的优化方案，为其他银行理财子公司以及其他资产管理机构加强信用风险管理 提供参考和借鉴。 本文选取 T 银行理财子公司为研究对象，通过理论联系实际，深入剖析了 其信用风险管理中存在的问题，力求分析总结出信用风险管理的优化方案和实 施保障。首先，在绪论部分介绍了研究背景和意义，阐述了研究的内容和创新 点。其次，介绍了研究相关理论基础，使用的信用风险管理理论。再次，对 T 银行理财子公司进行了总体介绍，对其信用风险管理现状、存在的问题和成因 进行了透彻的分析。从而有针对性的对 T 银行理财子公司信用风险管理进行优 化设计，并提炼出实施的保障措施。最后对全文的研究内容进行了总结，对银 行理财子公司信用风险管理进行了展望。
英文摘要：	With China's sustained and rapid economic growth, the rapid accumulation of wealth of residents, the proportion of financial assets in national assets increased,China's asset management industry has achieved rapid development, and the total scale has leapt to the forefront of the world. With the rapid development,contradictions have also been accumulated. Bank assetmanagement and other businesses have deviated from the origin of asset management business and become "shadow banking". In order to guide the sustainable development of asset management industry, the promulgation of new asset management regulations in 2018 opened the prelude to the healthy and orderly transformation and upgrading of the industry. BankAsset Management Co. Ltd. is a new main form of bank asset management proposed by the new asset management regulations. It is one of the most important forces in China's asset management market. Bank financial products are asset management products for public customers, and fixed income assets are the main asset categories. Therefore, credit risk is one of the most important risks faced by BankAsset Management Co. Ltd.. Credit risk management research has always been one of the hot topics in the field of risk management. Optimizing the ability of credit risk management is an effective way to build specialized asset management ability and enhance core competitiveness of Bank Asset Management Co. Ltd.. Bank T is a listed small and medium-sized bank, the establishment of Bank Asset Management Co. Ltd. is in line with the new rules of asset management and the need of expanding its own development. Credit risk is one of the most important risks faced by T Bank Asset Management Co. Ltd.. Under the background of normalization of default in China's credit bond market, higher requirements are put forward for credit risk management. Improving the ability of credit risk management is an important starting point for T Bank Asset Management Co. Ltd. to build a professional asset management brand. In this paper, through in-depth analysis of the case of T Bank Asset Management Co. Ltd., fully identify the credit risk it faces, and further study and discuss the problems existing in the company's credit risk management, in order to find the appropriate optimization scheme, and provide reference for other Bank Asset Management Co. Ltd. and other asset management institutions to strengthen credit risk management. This paper selects T Bank Asset Management Co. Ltd. as the research object,through the combination of theory and practice, deeply analyzes the problems existing in its credit risk management, and tries to analyze and summarize the optimization scheme and implementation guarantee of credit risk management. Firstly,the introduction introduces the research background and significance, and expounds the research content and innovation. Secondly, it introduces the relevant theoretical basis of the study and the credit risk management theory. This paper analyzes the current situation of the credit management of T Bank Asset Management Co. Ltd. and the causes of the problems. From the aspects of design principles and feasibility, this paper optimizes the design of credit risk management of T Bank Asset Management Co. Ltd., and refines the implementation of safeguard measures. Finally, this paper summarizes the research content of the full text, and prospects the credit risk management of T Bank Asset Management Co. Ltd..
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