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论文编号：	13343
作者编号：	2320180578
上传时间：	2022/6/12 19:22:04
中文题目：	Z银行T分行信贷风险管理优化研究
英文题目：	Research on the Optimization of Credit Risk Management of T Branch of Bank Z
指导老师：	边泓
中文关键字：	财务分析；商业银行；信贷风险管理
英文关键字：	Financial Analysis； Commercial Bank；Credit Risk Management
中文摘要：	近年来，全球经济形势不断变化，中国在世界的经济地位不断提高。商业银行作为现代经济的重要推动引擎，其经营的稳定性至关重要。信贷业务是商业银行的核心业务之一，也是目前中国商业银行的主要经营收入来源。然而近年来，随着外部经济形势的变化，商业银行信贷业务面临着不良贷款率升高的巨大压力。商业银行若想在当前的情况下继续保持经营的稳健，必须提升自身信贷风险管理水平、强化信贷风险防控手段。 Z银行是国内大型国有商业银行之一，T分行为其下属一级分行。近年来，T分行公司信贷资产质量不断下降，且不良资产主要集中于国有企业。本文采用案例分析法，选取具有一定代表性的国有企业H公司不良信贷项目为案例，研究T分行信贷风险管理过程当中存在的问题，并有针对性地提出改进建议。 在国内外学者对于商业银行信贷风险管理的理论研究成果基础上，本文运用案例分析法、调查研究法、定性分析与定量分析的方法，分析出目前Z银行T分行信贷风险管理当中存在的问题：包括对借款人对外担保情况审查不足、财务分析不够深入、信贷资料真实性审查不严、贷后风险监控薄弱等。 针对上述问题，本文运用信贷风险管理理论及财务分析工具，提出补充借款人对外担保情况审查、完善信贷风险财务分析体系、强化信贷资料真实性核查、落实贷后管理风险监控的优化方案建议，全面提升Z银行T分行信贷风险管理水平。同时将优化方案在H公司信贷项目中进行模拟回溯，以检验优化方案的可行性。
英文摘要：	In recent years, the global economic situation has been constantly changing, and China's economic status in the world has been continuously improved. As an important driving engine of modern economy, the stability of commercial banks is very important. Credit business is one of the core businesses of commercial banks and the main source of operating income of Chinese commercial banks. However, in recent years, with the changes of the external economic situation, the credit business of commercial banks is facing the great pressure of the rise of non-performing loan ratio. Commercial banks must improve their credit risk management and strengthen their credit risk prevention and control measures if they want to continue to operate steadily under the current circumstances. Bank Z is one of the large state-owned commercial banks in China, and T branch is its subordinate tier one branch. In recent years, the quality of credit assets of T branch has been declining, and non-performing assets are mainly concentrated in state-owned enterprises. Using the case analysis method, this paper selects the non-performing credit project of H company, a representative state-owned enterprise, as a case to study the problems existing in the credit risk management process of T branch, and puts forward targeted improvement suggestions. Based on the theoretical research results of domestic and foreign scholars on the credit risk management of commercial banks, this paper uses the methods of case analysis, investigation and research, qualitative analysis and quantitative analysis to analyze the problems existing in the credit risk management of T branch of Bank Z: including insufficient review of the external guarantee of the borrower, insufficient in-depth financial analysis, lax review of the authenticity of credit data, weak post loan risk monitoring, etc. In view of the above problems, using the credit risk management theory and financial analysis tools, this paper puts forward optimization scheme suggestions to supplement the borrower's external guarantee review, improve the credit risk financial analysis system, strengthen the authenticity verification of credit data, and implement the post loan management risk monitoring, so as to comprehensively improve the credit risk management level of T branch of Bank Z. At the same time, the optimization scheme is simulated and backtracked in the credit project of H company to test the feasibility of the optimization scheme.
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