联系我们

论文查询结果	返回搜索

论文编号：	13729
作者编号：	2320200668
上传时间：	2022/12/7 22:47:02
中文题目：	A银行信贷风险管理优化问题研究
英文题目：	Research on Credit Risk Management Optimization of Bank A
指导老师：	黄福广
中文关键字：	商业银行;信贷风险;信贷风险管理
英文关键字：	Commercial Bank;Credit Risk;Credit Risk Management
中文摘要：	目前，我国经济发展进入新常态，银行面临更加复杂的经营环境，风险事件频发、不良贷款余额、不良率不断上升，对银行信贷风险管理水平提出了更高的要求，商业银行信贷风险问题已经成为制约银行发展的主要影响因素之一。在当前形势下，A银行作为大型商业银行始终坚持审慎的风险管理意识，但是面对多样的外部环境变化及风险因素，如何及时发现和果断处理信贷过程中各类矛盾和风险事项，防范信贷风险的发生对A银行经营管理具有重要意义。 本文以A银行为研究对象，针对商业银行信贷风险管理问题进行研究。在梳理研究背景、意义及国内外研究现状的基础上，探讨商业银行信贷风险管理研究的必要性。在分析A银行信贷业务及信贷风险管理现状后，以信贷风险为导向，发现了其在流动性风险、信用风险、操作风险三方面存在的不足，并结合信贷期限、信贷审查、信贷信息三大管理环节，以数据对比及事实案例为据探讨剖析其问题成因，最后针对A银行目前信贷风险管理中存在的问题，结合A银行实际情况，提出优化性建议。 本文研究得出结论：A银行目前在信贷风险管理中应注意中长期贷款对流动性的削弱作用，对于不良率较高的行业应进行细分后采取差异化信贷策略，以改善贷款质量问题，通过产品结构调整摆脱对中长期贷款收入的依赖性；面对实体经济波动，通过熵权赋值法提高信贷审查中客户资质判别能力，利用“5C”分析法、押品估值管理优化担保条件审核能力，从而提升规避风险的能力；通过加强绩效、培训等管理机制创新及信息系统优化，以得到可靠的数据来源及切实的信息传导能更好提升信贷全流程操作的有效性。A银行作为我国大型商业银行，其信贷风险管理过程出现的问题具有一定代表性，通过立足解决A银行实际管理中存在的问题，以期后续对商业银行信贷风险管理研究起到借鉴作用。
英文摘要：	At present, the economic development of our country has entered the new normal. Banks are facing more complex business environment, risk events occur frequently, non-performing loan balance and non-performing ratio are rising, which puts forward severe challenges and requirements for the credit risk management. The credit risk problem of commercial banks has become one of the main factors restricting the development of the banks. Under the current situation, Bank A, as a large commercial bank, has always adhered to the prudent risk management awareness. However, in the face of various external environment changes and risk causes, how to timely discover and decisively handle various conflicts and risks, and strictly prevent the occurrence of credit risks are of great significance to the daily operation and management of Bank A. This paper takes Bank A as the research object, and studies the credit risk management of commercial banks. On the basis of combing the research background and significance, and the research status at home and abroad, this paper discusses the necessity and theoretical basis of the research on credit risk management of commercial banks. After analyzing the current situation of Bank A's credit business and credit risk management, taking the credit risk category as the result orientation, we found its shortcomings in liquidity risk, credit risk and operational risk, combined with the three management links of credit term, credit review and credit information, discussed and analyzed the causes of its problems based on data comparison and factual cases. Finally, in view of the problems existing in the credit risk management of Bank A, put forward optimization suggestions based on the actual situation . This paper concludes that Bank A should pay attention to the weakening effect of medium and long-term loans on liquidity in its credit risk management, and adopt differentiated credit strategies after subdividing the industries with high non-performing ratio to improve the loan quality, and eliminate the dependence on medium and long-term loan income through product structure adjustment; In the face of fluctuations in the real economy, the ability to identify customer qualifications in credit review is improved by using the entropy weight assignment method, and the ability to review guarantee conditions is optimized by using the "5C" analysis method, so as to improve the ability to avoid risks; By strengthening management mechanism innovation and information system optimization such as performance and training, reliable data sources and practical information transmission can better improve the effectiveness of the whole credit process operation. As a large commercial bank in China, Bank A has some representative problems in the process of credit risk management. By solving the problems in the actual management of Bank A, we hope that the follow-up research on credit risk management of commercial banks can learn from them.
查看全文：	预览  下载(下载需要进行登录)