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论文编号：	14786
作者编号：	2320213517
上传时间：	2024/6/11 9:15:08
中文题目：	G银行天津分行信贷资产管理研究
英文题目：	Research on the asset management of peaceful branch credit of G Bank
指导老师：	黄福广
中文关键字：	银行信贷资产管理；贷款结构；模型评价
英文关键字：	Credit asset management；Loan structure；model evaluation
中文摘要：	目前，我国经济已由高速增长阶段转向高质量发展阶段，银行面临的信贷 资产管理也正在发生重大变化。为了应对目前经济发展趋势的变化，银行应当 采取有效的信贷资产管理的措施，提升信贷资产管理的有效性，并建立完善的 管理体系。 首先，在资产管理理论、负债管理理论和资产负债管理理论的基础上，以 G 银行天津分行的信贷资产管理为研究对象，从分析 G 银行天津分行信贷资产管 理现状入手，结合 G 银行天津分行经营情况中的企业信贷发展、贷款总量、不 良贷款和信贷集中度四方面，分析目前 G 银行天津分行目前的信贷资产管理措 施；其次，运用模糊综合评价模型从经营情况、贷款环境和贷款结构三个方面 对影响 G 银行天津分行信贷资产管理的主要因素进行综合评估；再次，经过分 析，G 银行天津分行的信贷业务风险管理水平显著提高，这主要归因于信贷资产 管理的合理性、抵押类贷款的比例、产品价格的变动以及管理制度的完善这几 个因素。考虑构建模型以及结果的准确性，运用层次分析法将模型变量进行敏 感性分析，在此基础上提出 G 银行天津分行信贷资产管理存在的问题主要包括： 贷款结构合理性尚需完善、抵押类贷款占比尚需提高、利率管理尚需加强和管 理制度建设尚需完善；最后，从加强信贷资产管理制度优化、行业结构调整、 产品期限结构调整和平衡贷款收益四个方面提出信贷资产管理改进措施。 通过研究可以提升信贷资产管理能力，加强防范意识，优化运营流程，推 动企业的可持续发展，为其他银行信贷资产管理提供有益的建议和参考。
英文摘要：	As China's economy shifts from high to medium growth, the credit management that banks face is also undergoing major changes. In order to cope with the changes in the current economic development trend, banks should take effective measures to manage credit assets, improve the effectiveness of credit management, and establish a sound management system. First of all, based on the theory of asset management, liability management and asset liability management, this paper takes the credit asset management of Bank G Tianjin Branch as the research object, starts with the analysis of the credit management status of Bank G Tianjin Branch, and combines the four aspects of the operation of Bank G Tianjin Branch: enterprise credit development, total loan, non-performing loan and credit concentration. Analyze the current credit management measures of Tianjin Branch of G Bank; Secondly, the fuzzy comprehensive evaluation model is used to comprehensively evaluate the main factors affecting the credit asset management of G Bank Tianjin Branch from three aspects: operation situation, loan environment and loan structure. Thirdly, through analysis, the risk management level of the credit business of Bank G Tianjin Branch has improved significantly, which is mainly attributed to the rationality of credit management, the proportion of mortgage loans, the change of product prices and the improvement of management system. Considering the accuracy of the model and the results, the analytic hierarchy process was used to conduct sensitivity analysis of the model variables. On this basis, it was proposed that the existing problems in the credit management of Bank G Tianjin Branch mainly included: the rationality of the loan structure needed to be improved, the proportion of mortgage loans needed to be increased, the interest rate management needed to be strengthened and the management system construction needed to be improved; Finally, it puts forward the improvement measures of credit management from three aspects: strengthening credit management system optimization, industry structure adjustment and product term structure adjustment. The research can improve the credit management ability, strengthen the awareness of prevention, optimize the operation process, promote the sustainable development of enterprises, and provide useful suggestions and references for other banks' credit management
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