联系我们

论文查询结果	返回搜索

论文编号：	14758
作者编号：	2320213776
上传时间：	2024/6/8 9:07:28
中文题目：	HZ银行信贷风险管理优化研究
英文题目：	Advanced Research on Credit Risk Management Optimization for Bank of HZ
指导老师：	焦媛媛
中文关键字：	信贷风险管理；风险识别；风险评估
英文关键字：	Credit risk management; Risk identification; Risk assessment
中文摘要：	近年来，随着国际形势和市场的变化，我国内外部经济环境和形式也随之发生了翻天覆地的变化，城市商业银行充分利用金融工具推动实体经济的发展，但与此同时，也面临着信贷资产风险暴露等诸多问题。HZ银行作为我国城市商业银行的代表，虽然在过往的几年里资产规模稳步上涨，风险相对可控，但是由于经济形势、外部因素和内控制度等多方面因素导致风险不断暴露，信贷资产信用风险前景不容乐观，其也成为阻碍HZ银行进一步发展壮大的关键因素，究其原因主要是HZ银行信贷风险管理体系不健全、信贷风险管理能力不足等。 本文基于HZ银行的现实经营情况，利用文献研究法、问卷调查法、层次分析法、流程分析法等研究方法，针对HZ银行信贷业务的风险管理进行深入研究。首先通过剖析HZ银行现有风险管理流程，从风险识别、风险评估和风险应对等风险管理流程，总结出每一个环节出现的问题和原因。其次，采用流程分析法，总结得出对HZ银行信贷业务过程影响最重要的20项风险因素，以此作为延伸点，基于层次分析法整体构建出风险评估模型。再次，采用分层打分的方式以期降低可能存在的数据局限性，量化出各个风险标因素的指权重并对其进行排序，确定新增的7项风险指标作为影响HZ银行信贷业务的关键因素。然后，针对这7项风险指标关键因素制定出相应的风险应对措施作为 HZ银行信贷风险管理优化方案，并提出保障措施，包括：加强HZ银行组织文化建设，加强HZ银行信贷队伍建设，完善监督控制机制。最后总结了研究的核心内容和创新点，本文的创新之处在于，通过层次分析法这一量化工具，建立针对商业银行信贷风险业务风险评估模型，有效帮助HZ银行识别风险，量化风险评估过程，深度剖析城市商业银行这一特定金融机构在风险管理全流程出现的问题，并提出优化策略，并给出了对未来信贷风险管理的展望。
英文摘要：	In recent years, with the changes in the international situation and market, China's domestic and external economic environment and forms have also undergone earth shaking changes. Urban commercial banks have fully utilized financial tools to promote the development of the real economy, but at the same time, they are also facing many problems such as exposure to credit asset risks. As a representative of urban commercial banks in China, although the asset size of HZ Bank has steadily increased in the past few years and the risks are relatively controllable, various factors such as economic situation, external factors, and internal control systems have led to continuous exposure of risks. The credit risk prospects of credit assets are not optimistic, and it has also become a key factor hindering the further development and growth of HZ Bank. The main reasons for this are that HZ Bank's credit risk management system is not sound, and its credit risk control capabilities are insufficient. This article is based on the actual business situation of HZ Bank, and uses research methods such as literature review, questionnaire survey, analytic hierarchy process, and process analysis to conduct in-depth research on the risk management of HZ Bank's credit business. Firstly, by analyzing the existing risk management process of HZ Bank, summarize the problems and reasons that arise in each link from risk identification, risk assessment, and risk response. Secondly, using the process analysis method, the 20 most important risk factors that affect the credit business process of HZ Bank were summarized, and as an extension point, a risk assessment model was constructed based on the Analytic Hierarchy Process as a whole. Once again, a hierarchical scoring method is adopted to reduce potential data limitations, quantify the weights of each risk indicator and rank them, and determine the 7 new risk indicators as key factors affecting HZ Bank's credit business. Then, corresponding risk response measures were formulated for these 7 key risk indicators as an optimization plan for HZ Bank's credit risk management. Based on this plan, safeguard measures were proposed, including strengthening the organizational culture construction of HZ Bank, strengthening the construction of HZ Bank's credit team, and improving the supervision and control mechanism. Finally, the core content and innovative points of the study were summarized. The innovation of this article lies in the establishment of a risk assessment model for commercial bank credit risk business through the Analytic Hierarchy Process (AHP), which effectively helps HZ Bank identify risks, quantify the risk assessment process, deeply analyze the problems that urban commercial banks, a specific financial institution, encounter in the entire risk management process, and propose optimization strategies. And provide prospects for future credit risk management.
查看全文：	预览  下载(下载需要进行登录)