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论文编号：	14490
作者编号：	2120213446
上传时间：	2024/3/8 10:57:47
中文题目：	J银行对公信贷决策优化研究
英文题目：	Optimization Research on the Credit Decision of Corporate Customers of J Bank
指导老师：	郝臣
中文关键字：	商业银行;信贷决策;财务分析
英文关键字：	Commercial Banks;Credit Approval;Financial Analysis
中文摘要：	在经济飞速发展的浪潮下，商业银行作为资金融通的中介也迎来了广阔的发展前景，信贷业务作为商业银行的基础业务和盈利根基，其规模实现了繁荣增长。然而随着前期信贷业务的快速发展以及当前竞争形势愈加激烈，许多不良贷款问题爆发，积极防范和化解信贷风险是当前商业银行稳健发展的重要任务。信贷决策环节是信贷风险的第一道防线，也是最为重要的一道防线，科学合理的信贷决策对银行盈利能力的提升和长远稳健发展至关重要。 科学合理的信贷决策建立在对授信客户完整准确分析的基础上，这需要依托于授信客户的财务信息和非财务信息。本文选取了J城市商业银行真实发生的一笔不良贷款案例展开深入研究，J银行近年来不良贷款问题严重，其信贷资产质量和盈利能力受到了侵蚀，亟待提升信贷决策水平。本文通过对J银行的信贷决策过程中的主要风险点把控方法，和现行的信贷决策框架展开分析，发现J银行的信贷决策主要存在以下五个方面的问题：一是信用风险等级评定较为宽松；二是信贷决策时未充分验证财务报表的真实性；三是财务指标分析的深度及范围不足；四是未能识别隐性关联方和关联方占用资金的风险；五是流动资金贷款额度测算不合理，导致授信额度的过度授予。 随后，本文对J银行存在的上述问题提出优化方案。J银行在信贷决策过程中应当完善信用风险等级评定体系，加强对财务报表真实性的核查以及勾稽关系核验，完善偿债能力、盈利能力、营运能力等财务分析指标，加强对授信企业关联方的分析，并改进流动资金贷款额度的测算方法，最后在信贷人员和金融科技方面提出了保障措施。希望以上建议能够帮助J银行提升信贷决策水平，并为其他商业银行信贷决策过程的优化研究提供参考。
英文摘要：	Under the wave of rapid economic development, commercial banks as the intermediary of capital financing also ushered in broad prospects for development, credit business as the basic business and profitability of commercial banks, its scale has realized prosperous growth. However, with the rapid development of credit business and the current competitive situation is more and more intense, many non-performing loans broke out, and actively preventing and resolving credit risk is an important task for the sound development of commercial banks. Credit decision-making is the first and most important line of defense against credit risk, and scientific and reasonable credit decision-making is crucial to the improvement of bank profitability and long-term sound development. Scientific and reasonable credit decision-making is based on the complete and accurate analysis of the credit-granting customers, which needs to rely on the financial and non-financial information of the credit-granting customers. This paper selects a real case of non-performing loans of J city commercial bank to carry out an in-depth study, J bank in recent years the problem of non-performing loans is serious, the quality of its credit assets and profitability has been eroded, and there is an urgent need to improve the level of credit decision-making. This paper analyzes the main risk control methods in the credit decision-making process of Bank J and the current credit decision-making framework, and finds that Bank J's credit decision-making mainly suffers from the following five problems: firstly, credit risk rating is relatively loose; secondly, the authenticity of financial statements is not sufficiently verified in the credit decision-making process; thirdly, the depth and scope of the analysis of the financial indicators are insufficient; fourthly, the risk of failing to identify the hidden related parties and the risk of related parties' appropriation of funds. Fourth, the failure to identify hidden related parties and the risk of funds appropriation by related parties; and fifth, the unreasonable measurement of the working capital loan amount, which led to the over-granting of credit lines. Subsequently, this paper proposes optimization solutions for the above problems of Bank J. Bank J should improve the credit risk rating system in the credit decision-making process, strengthen the verification of the authenticity of the financial statements and the checking of the collusive relationship, improve the financial analysis indexes of solvency, profitability, and operating ability, strengthen the analysis of the related parties of the credit-granting enterprises and improve the method of calculating the liquidity loan amount, and finally put forward safeguard measures in terms of credit personnel and financial technology, and finally proposed safeguard measures. It is hoped that the above suggestions can help Bank J to improve the level of credit decision-making and provide reference for the optimization research of credit decision-making process of other commercial banks.
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