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论文编号：	14894
作者编号：	2320224029
上传时间：	2024/12/5 16:27:46
中文题目：	X商业银行公司信贷业务风险管理研究
英文题目：	Research on the Optimization of Credit Business Risk Management in X Commercial Bank
指导老师：	张耀伟
中文关键字：	商业银行;公司信贷业务;风险管理
英文关键字：	commercial bank;Corporate Credit Business;risk management
中文摘要：	? 银行信贷业务是银行的核心业务，不仅对企业的生存至关重要，也是银行自身运营策略的关键所在。信贷风险是商业银行业务中最为常见的风险类型之一，特别是由于贷款方无法按时还款所引发的信用风险，对银行的经济利益构成直接威胁。当前，我国商业银行面临的最大挑战在于如何有效防范与管理潜在的各种风险，尤其是信贷风险，这往往源于贷款主体的信用缺失。 ? 本文聚焦于X商业银行的公司信贷业务情况，通过深入剖析其内部管理框架、管理流程以及预警机制，识别存在的问题并提出解决方案，最终目标是优化公司信贷业务的风险管理，避免超额放贷、不良贷款等风险事件的发生，同时探索现有信贷流程的不足之处及改进策略。 ? 文章首先介绍了研究的背景、目的及意义，列出了本文的研究内容、方法、创新点以及国内外学者的研究情况。结合国内外研究情况，研究了公司信贷、信贷风险和信贷风险管理的基本概念，以及信息不对称理论、风险管理理论和全面风险管理理论，为本文的研究提供了理论依据；本文通过案例分析法，详细研究X商业银行的近期概况以及X商业银行在公司信贷领域的风险管理实践，着重分析了X商业银行当前公司信贷风险管理的现状，发现X商业银行存在不良贷款率压降效果不明显以、信贷业务流程未按管理办法要求执行以及业务审查时被退回修改的现象过于频繁等问题，并基于这些问题展开了详尽的成因分析，发现X商业银行存在公司信贷业务行业集中度较高、为了扩大信贷规模吸纳了高风险客户、业务流程中的风险管理落实存在问题、员工管理存在问题等原因；在前述基础上对优化X商业银行风险管理在多元化贷款组合策略的构建与优化、强化高风险客户管理能力、增强行内风险管理工作质量、员工风险管理能力等方面提出具体改进方案，以期为其改进和提升风险管理水平提供有益的参考。 ? 针对X商业银行所提出的改进建议，也可作为同类商业银行完善公司信贷业务风险管理提供有益的参考。期望能通过此研究来促进商业银行信贷风险管理水平的整体提升，为金融行业的稳固发展贡献出一份力量。
英文摘要：	? Bank credit business is the core business of banks, which is not only crucial for the survival of enterprises, but also the key to the bank's own operational strategy. Credit risk is one of the most common types of risk in commercial banking business， especially the credit risk caused by the borrower's inability to repay on time, which poses a direct threat to the bank's economic interests. Currently, the biggest challenge faced by commercial banks in China is how to effectively prevent and manage various potential risks, especially credit risks, which often stem from the credit deficiency of loan subjects. ? This article focuses on the corporate credit business of X Commercial Bank. Through in-depth analysis of its internal management framework, management processes, and warning mechanisms, existing problems are identified and solutions are proposed. The ultimate goal is to optimize the risk management of the company's credit business, avoid the occurrence of risk events such as excessive lending and non-performing loans, and explore the shortcomings and improvement strategies of the existing credit process. ? The article first introduces the background, purpose, and significance of the research, lists the research content, methods, innovative points, and the research situation of domestic and foreign scholars. Based on domestic and international research, the basic concepts of corporate credit, credit risk, and credit risk management, as well as information asymmetry theory, risk management theory, and comprehensive risk management theory, were studied, providing theoretical basis for the research in this article; This article uses a case analysis method to study in detail the recent overview of X Commercial Bank and its risk management practices in the field of corporate credit. It focuses on analyzing the current situation of X Commercial Bank's corporate credit risk management, and finds that X Commercial Bank has problems such as unclear pressure drop effect of non-performing loan ratio, failure to execute credit business processes according to management requirements, and frequent returns and modifications during business reviews. Based on these problems, a detailed analysis of the causes is carried out, and it is found that X Commercial Bank has a high concentration of corporate credit business industry, absorbs high-risk customers in order to expand credit scale, problems in the implementation of risk management in business processes, and problems in employee management; On the basis of the above, specific improvement plans are proposed for optimizing the risk management of X Commercial Bank in the construction and optimization of diversified loan portfolio strategy, strengthening the management ability of high-risk customers, enhancing the quality of risk management work within the bank, and improving the risk management ability of employees, in order to provide useful references for improving and enhancing its risk management level. ? The improvement suggestions proposed for X Commercial Bank can also serve as useful references for similar commercial banks to improve their corporate credit business risk management. We hope that this research can promote the overall improvement of credit risk management level in commercial banks and contribute to the stable development of the financial industry.
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