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论文编号：	13604
作者编号：	2320200346
上传时间：	2022/12/4 23:52:41
中文题目：	MS银行公司信贷风险管理研究
英文题目：	Research on Corporate Credit Risk Management of MS Bank
指导老师：	张耀伟
中文关键字：	商业银行；公司信贷；信贷风险；风险管理；
英文关键字：	Commercial banks; Corporate credit; Credit risk; Risk management.
中文摘要：	随着近年来全球、我国宏观经济形势的快速发展和变化，我国经济运行已表现出新常态的特点。其间，国际贸易冲击、新冠肺炎疫情和国际经济环境变动此起彼伏。商业银行是金融机构中较为关键的部分之一，在日趋复杂多变的市场经济条件下的风险管理同样存在着不少困难与挑战。另一方面，风险管理也成为其日常管理的关键组成部分，而公司信贷业务在商业银行业务中占比较大，所以商业银行的公司信贷风险管理工作成为其风险管理工作的关键。 MS银行作为我国成立较早的全国性股份制商业银行，其业务种类具备多样化的特征。MS商业银行的业务范围涉及吸收公众存款、发放贷款、受理票据承兑和贴现等。MS银行的主要盈利通过公司信贷业务获得，并且公司信贷业务规模较大，因此其风险具有较为集中的特点。为此，在MS银行的风险管理中，更需要聚焦公司信贷的风险管理。这就需要深入研究公司信贷业务风险管理体系，对国内、国际先进的风险管理经验进行归纳并总结，进一步使MS银行的公司信贷风险管理水平得到提升。 本文以MS银行为研究样本，剖析其在公司信贷风险管理中出现的问题和成因，提出具体的改进提升措施，为存在相似问题的全国性股份制商业银行提供参考。文章首先介绍了研究背景和研究意义、研究内容与方法、研究创新与不足，接着介绍了国内外研究的现状，研究了公司信贷风险管理概念、分类以及信息不对称理论、资产负债综合管理理论、风险资产管理理论、全面风险管理理论相关理论，为本文的研究提供了理论依据；本文采用定性分析法，对MS银行公司信贷业务的现状和风险管理情况进行了介绍分析，通过分析其经营概况和公司信贷业务流程及现状，发现了风险防范机制不完善、风险管理观念和意识不足、贷后管理落实不到位、风险管理水平不足等目前存在的问题，进一步分析问题的成因，找出信用体系不完善、风险意识薄弱、内部控制不健全、从业人员综合素养不足等原因；在前述基础上，通过借鉴国内与国际先进的风险管理经验，对MS银行公司信贷风险管理工作从健全完善风险防范机制、建立有效内部控制运行机制、提升风险监测预警能力和提升从业人员综合素养等方面提出具体改进方案，全面提升MS银行的公司信贷风险管理能力，有效防范公司信贷业务风险的发生，并为其他股份制商业银行提供参考。
英文摘要：	With the rapid development and changes of the macro-economic situation in the world and in China in recent years, the economic operation in China has shown the characteristics of the new normal. In the meantime, shocks to international trade, the COVID-19 pandemic and changes in the international economic environment have kept coming. Commercial banks are one of the key parts of financial institutions. There are also many difficulties and challenges in risk management under the increasingly complex and changeable market economy. On the other hand, risk management has also become a key part of their daily management, and corporate credit business accounts for a large proportion of commercial banks' business, so the corporate credit risk management of commercial banks has become the key to risk management. As an early established national joint-stock commercial bank in China, MS bank has diversified characteristics in its business. MS commercial Bank's business scope involves taking public deposits, issuing loans, accepting bill acceptance and discounting, etc. The main profit of MS bank is obtained through corporate credit business, and the scale of corporate credit business is large, so its risk is relatively concentrated. Therefore, in the risk management of MS bank, it is more necessary to focus on the risk management of corporate credit. Therefore, it is necessary to thoroughly study the risk management system of corporate credit business, summarize and summarize the advanced domestic and international risk management experience, and further improve the corporate credit risk management level of MS Bank. This paper takes MS Bank as the research sample, analyzes the problems and root causes in the company's credit risk management, and gives specific improvement measures, to provide reference for the national joint-stock commercial banks with similar problems. Firstly, this paper introduces the research background and research significance, research contents and methods, research, innovation and deficiency, and then introduces the domestic and foreign research present situation, research the company's credit risk management concept, classification and information asymmetry theory, comprehensive asset liability management theory, risk assets management theory, comprehensive risk management theory related theory, provides a theoretical basis for the research of this paper. This article USES the qualitative analysis, the present situation of bank credit business and MS introduces the risk management situation analysis, through the analysis of the situation and company credit business process and the present situation, discovered the risk prevention mechanism is not perfect, risk management concept and lack of consciousness, post-loan management implementation does not reach the designated position, and inadequate risk management level of the existing problems, Further analysis of the cause of the problem, find out the credit system is not perfect, risk awareness is weak, internal control is not perfect, practitioners of the comprehensive quality of insufficient reasons; On the basis of the foregoing, by reference to the risk of domestic and international advanced management experience, to MS bank credit risk management work from sound risk prevention mechanism, establish effective internal control mechanism, improve risk monitoring and early warning ability and promote employees comprehensive quality put forward specific improvement scheme, improve MS bank credit risk management ability, Effectively prevent the occurrence of corporate credit business risks, and provide reference for other joint-stock commercial banks.
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