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论文编号：	14235
作者编号：	2320200553
上传时间：	2023/12/9 11:05:56
中文题目：	ZS银行T分行公司信贷业务风险管理研究
英文题目：	Research on Risk Management of Corporate Credit Business of T Branch of ZS Bank
指导老师：	王曼舒
中文关键字：	ZS银行T分行；风险管理；公司信贷业务
英文关键字：	ZS Bank T Branch；Risk management；Corporate credit business
中文摘要：	信贷业务是商业银行最主要收入来源，同时也伴随着巨大的风险，其中公司信贷业务可以说是收益最高同时也是风险最大的业务。三年疫情使各行各业受到冲击，大量企业经营出现困难，信贷投放难度增加，存量信贷业务风险加剧。作为股份制商业银行的ZS银行就面临这样的问题，ZS银行T分行为例，T城市为金融开放试点城市，市场竞争激烈，以上原因就使ZS银行T分行的业绩增长与信贷风险管理之间的矛盾日益突出。故加强公司信贷风险管理，健全和改善信贷风险管理流程，更有助于推动商业银行自身平稳发展。 本文使用文献分析法、结合规范分析与实证分析方法和案例分析法对ZS银行T分行公司信贷业务风险管理现状进行分析，论述ZS银行T分行在公司信贷业务风险管理过程中存在的问题，在可实际操作的前提下，探索出一套既可以保障业务稳定、持续、高效发展且可以有效控制业务风险的信贷风险管理方案。首先，引言中主要介绍此次研究的意义、选题背景，阐述各国学者的研究成果，指出此次研究所使用的方法，强调本文的创新之处；接下来，对公司信贷风险管理的相关概念、理论进行论述，为信贷风险管理改进方案提供理论基础；其次，对ZS银行T分行公司信贷风险管理的现状进行分析；再次，论述ZS银行T分行公司信贷业务风险管理提升方案设计的目标和原则，以及具体提升方案；然后，阐述ZS银行T分行公司信贷业务风险管理提升方案实施所需要的具体保障措施；最后，得出研究结论与建议，分析研究的不足与未来展望。 本文就ZS银行T分行的公司信贷业务风险管理的提升进行了研究分析并提出解决方案。首先，从贷前、贷中、贷后三个环节提出解决方案。相应的也提出了政策制度、文化、培训和信息系统方面的配套支持措施，帮助各项方案可以顺利落地。最终目的是通过对ZS银行T分行的公司信贷业务风险管理目前存在问题的分析及解决，总结出一套可借鉴的公司信贷业务风险管理方案，提升ZS银行T分行经营水平，并对其他同业有借鉴意义。
英文摘要：	In commercial banks, credit business is the most important income channel,but it is also accompanied by huge risks, among which corporate credit business can be said to be the business with the highest return and the risk. Affected by the epidemic, many industries are in trouble, the difficulty of credit delivery has increased, and the risks of existing credit business have intensified. As a joint-stock commercial bank, ZS Bank is facing such a problem, ZS Bank T branch is an example, T city is a pilot city for financial opening, and the market competition is fierce, the above reasons make the contradiction between the performance growth of ZS Bank T branch and credit risk management increasingly prominent. Therefore, the strict implementation of the credit risk management work and the further optimization and improvement of the credit risk management process will have a positive role in promoting the long-term and stable development of banks. This study focuses on the actual situation of risk management of enterprise credit business in T Branch of Bank of Shenzhen City, citing a variety of research methods, including case analysis method, empirical analysis method, normative analysis method, etc.,discusses the problems existing in the risk management process of corporate credit business of ZS Bank T Branch, and explores a set of credit risk management schemes that can not only ensure the stable, sustainable and efficient development of the business and effectively control the business risks under the premise of practical operation. Firstly, the introduction expounds the research background and significance of this paper, the research status at home and abroad, research methods and innovation points. Next, this paper comprehensively introduces the theories and concepts related to the enterprise credit risk management, and supports the credit risk management problem theoretically. Second, make a comprehensive exploration of the actual situation of credit risk management of Shenzhen Bank T Branch at the present stage.Thirdly, the objectives and principles of the design of the credit business risk management improvement plan of ZS Bank T Branch are discussed, as well as the specific improvement plan. Then, the specific safeguard measures required for the implementation of the credit business risk management improvement plan of ZS Bank T Branch were explained. Finally, the research conclusions and suggestions are drawn, and the shortcomings and future prospects of the research are analyzed. This paper conducts research and analysis on the improvement of corporate credit business risk management of ZS Bank T Branch and proposes solutions. First of all, solutions are proposed from three links: pre-loan, loan and post-loan. Accordingly, supporting measures in terms of policy systems, culture, training and information systems have been proposed to help the programmes be implemented smoothly. The ultimate purpose is to summarize a set of corporate credit business risk management solutions that can be used for reference through the analysis and solution of the current problems in corporate credit business risk management of ZS Bank T Branch, improve the operation level of ZS Bank T Branch, and have reference significance for other peers.
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