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论文编号：	14179
作者编号：	2320213882
上传时间：	2023/12/7 17:24:33
中文题目：	Q银行信贷风险管理研究
英文题目：	Research on Credit Risk Management of Q Bank
指导老师：	梅丹
中文关键字：	商业银行；信贷风险管理；财务分析
英文关键字：	Commercial Bank; credit risk management; financial analysis
中文摘要：	受经济下行、新冠疫情等影响，近年来部分商业银行面临着利润空间收窄，各类风险不断暴露，不良贷款额率双升，信用风险防控形势严峻，严重阻碍了商业银行持续性发展。从诸多商业银行产生不良贷款的案例来看，轻视信贷风险管理，尤其是轻视信贷风险管理中财务分析的作用，是导致损失产生的重要原因。信贷业务作为商业银行的核心业务，其风险管理水平与商业银行能否平稳运行息息相关，而财务分析作为风险识别和确定信贷风险的重要工具，在信贷风险管理应用中起关键作用。因此商业银行完善信贷风险管理，并对贷款申请人进行有效的财务分析，可有力加强对信贷风险的把控。 文章共有五个部分。第一部分是引言，简要描述了选题背景和研究意义，介绍了国内和国外研究现状，并列出文章的行文结构、研究方法和创新点。第二部分是理论方法介绍，主要阐述了文章中所使用到的信贷风险管理相关理论。第三部分是案例银行Q银行信贷风险管理现状介绍，对Q银行的基本情况、信贷岗位设置与人员情况及信贷具体流程进行简要描述，并以Z企业为例介绍了案例银行Q银行信贷风险管理全过程。第四部分对Q银行信贷风险管理存在的问题及其成因进行分析，发现了Q银行存在信贷风险识别不充分、信贷风险预警未发挥作用、信贷风险应对不佳的问题，其中信贷风险识别不充分包括信贷风险分析不全面、未关注财务数据异常变化和未审慎评估抵押物价值，信贷风险预警方面包括大数据预警系统存在局限性、贷后检查未发挥作用，信贷风险应对方面包括未针对信贷预警信号采取有效措施、对于借款人恶意逃废债行为缺乏有效应对措施、抵押物处置变现困难。第五部分提出了充分识别信贷风险、完善信贷风险预警和改进信贷风险应对的对策建议，其中充分识别信贷风险方面，提出全面分析信贷风险、关注财务数据异常波动和审慎评估抵押物价值的对策建议，完善信贷风险预警方面，提出进一步优化信贷预警系统、强化贷后检查主体责任的对策建议，改进信贷风险应对方面，提出及时关注信贷预警信号、多措并举加大借款人违约成本、加强押品跟踪管理的对策建议。
英文摘要：	Affected by the economic downturn and the covid-19 pandemic, some commercial banks in recent years are facing a narrowing of profit space, various kinds of risks are constantly exposed, the amount of non-performing loans has increased, and the credit risk prevention and control situation is grim, it seriously hinders the sustainable development of commercial banks. From many cases of non-performing loans in commercial banks, it is an important cause of loss to belittle credit risk management, especially the role of financial analysis in credit risk management. As the core business of commercial banks, the risk management level of credit business is closely related to the smooth operation of commercial banks, and financial analysis is an important tool to identify and determine credit risks, it plays a key role in the application of credit risk management. Therefore, commercial banks can strengthen the control of credit risk by perfecting credit risk management and conducting effective financial analysis on credit applicants. The article has five parts. The first part is the introduction, which briefly describes the background and research significance of the selected topic, introduces the current situation of domestic and foreign research, and lists the structure, research methods and innovation points of the article. The second part is an introduction to theoretical methods, mainly expounding the relevant theories of credit risk management used in this article. The third part is an introduction to the current situation of credit risk management of Bank Q of Bank of Q, which briefly describes the basic situation, credit position setting and personnel of Bank Q and the specific process of credit, and introduces the whole process of credit risk management of Bank Q Bank of Case Bank by taking Enterprise Z as an example. The fourth part analyzes the problems and causes of credit risk management of Bank Q, and finds that Bank Q has insufficient credit risk identification, credit risk early warning does not play a role, and credit risk response is poor, among which insufficient credit risk identification includes incomplete credit risk analysis, failure to pay attention to abnormal changes in financial data and failure to prudently assess the value of collateral, credit risk early warning including the limitations of big data early warning system, and post-loan inspection does not play a role. Credit risk responses include failure to take effective measures against credit warning signals, lack of effective measures against borrowers' malicious debt evasion, and difficulties in liquidating collateral. The fifth part puts forward countermeasures and suggestions for fully identifying credit risks, improving credit risk early warning and improving credit risk response, including fully identifying credit risks, putting forward countermeasures and suggestions for comprehensively analyzing credit risks, paying attention to abnormal fluctuations in financial data and prudently assessing the value of collateral, improving credit risk early warning, putting forward countermeasures and suggestions for further optimizing the credit early warning system, strengthening the main responsibility of post-loan inspection, improving credit risk response, and putting forward timely attention to credit early warning signals. Take multiple measures to increase the cost of borrowers' defaults and strengthen the management of collateral tracking.
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