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论文编号：	14300
作者编号：	2320213510
上传时间：	2023/12/11 15:45:37
中文题目：	邮储银行Y分行信贷风险控制优化研究
英文题目：	Study on credit risk control optimization of Y Branch of Postal Savings Bank
指导老师：	张苏
中文关键字：	商业银行；信贷业务；风险控制
英文关键字：	commercial bank；credit business；risk control
中文摘要：	国内商业银行在风险管理上依旧是位于发展初步阶段。经济环境错综复杂，使得信贷风险控制呈现多样性、复杂化的特点。信贷风险作为金融领域的核心问题之一，直接关系到银行的稳健运营、金融体系的稳定性以及整体经济的健康发展。商业银行是我国金融体系的重要构成部分，而风险管理的有效性与商业银行的盈利水平密切相关，通过深入研究和有效控制信贷风险，商业银行能够更好地平衡风险与回报，确保资金安全和流动性，防范因信贷违约而可能引发的连锁反应。此外，科学的信贷风险控制研究对于银行制定更为准确的信贷政策、减少不良贷款率、提高贷款投放的效率和质量，从而推动实体经济的发展，具有重要的促进作用。 信贷业务全流程各环节，承担不同职能发挥不同作用，全流程管理以及全面风险管理是防范信贷业务风险的重要手段。旨在发挥各环节相互支撑又独立的风险判断及审核作用，力求降低贷款发放后的违约风险，提高资产质量。贷款发放前的风险控制尤为重要，在贷前调查、审查审批、放款审核等环节，做好风险把控，贷后管理发挥预警作用，将大大降低信用风险。本文也将从信贷流程及全面风险管理角度分析解决问题。 本文以邮储银行Y分行为案例研究对象。通过运用相关理论，结合研究对象的实际情况，从信贷全流程及全面风险管理的角度，重点梳理邮储银行Y分行经营情况及当前信贷业务风险控制现状；梳理了其在贷款调查、贷后检查、信贷风险管理机制以及问责考评等方面可能存在的问题；针对存在问题，透过现象，从人员管理、绩效设置、科技化水平、问责体系等方面剖析研究对象在内部管理上主导的原因；逐条对照问题，提出了可落地具有操作性的信贷风险控制优化措施及实施保障；最后，在研究结论与展望部分，总结了研究成果及结论，并阐述了可能存在的不足以及未来的研究方向及补充。本篇论文的研究对于银行业的信贷风险控制有一定的参考价值，同时对研究对象也有实际意义。
英文摘要：	The risk management of domestic commercial banks is still in the preliminary stage of development. The economic environment is complicated, which makes the credit risk control show the characteristics of diversity and complexity. As one of the core problems in the financial field, credit risk is directly related to the stable operation of banks, the stability of the financial system and the healthy development of the whole economy. Commercial banks are an important part of China's financial system, and the effectiveness of risk management is closely related to the profitability of commercial banks, through in-depth research and effective control of credit risk, commercial banks can better balance risk and return, ensure the safety of funds and liquidity, and prevent the chain reaction that may be caused by credit default. In addition, scientific research on credit risk control plays an important role in promoting banks to formulate more accurate credit policies, reduce the non-performing loan ratio, improve the efficiency and quality of loan delivery, and thus promote the development of the real economy. Each link of the whole process of credit business assumes different functions and plays different roles. The whole process management and comprehensive risk management are important means to prevent the risk of credit business. It aims to play the role of mutual support and independent risk judgment and review of each link, and strive to reduce the default risk after loan issuance and improve asset quality. Risk control before loan issuance is particularly important, in the pre-loan investigation, review and approval, loan review and other links, do a good job in risk control, post-loan management to play an early warning role, will greatly reduce credit risk. This paper will also analyze and solve the problem from the perspective of credit process and overall risk management. This paper takes Y Branch of Postal Savings Bank as the case study object. By applying relevant theories and combining with the actual situation of the research object, this paper focuses on the operation of Y Branch of Postal Savings Bank and the current risk control status of credit business from the perspective of the whole credit process and comprehensive risk management. The possible problems in loan investigation, post-loan inspection, credit risk management mechanism and accountability evaluation are sorted out. In view of the existing problems, through the phenomenon of personnel management, performance setting, scientific and technological level, accountability system and other aspects of the study object in the internal management of the leading reasons; Compare the problems one by one, and put forward the operational credit risk control optimization measures and implementation guarantee; Finally, in the part of research conclusion and prospect, the research results and conclusions are summarized, and the possible shortcomings as well as future research directions and supplements are expounded. The research of this paper has certain reference value for the credit risk control of the banking industry, and also has practical significance for the research object.
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