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论文编号：	15021
作者编号：	2320224105
上传时间：	2024/12/9 15:53:29
中文题目：	NY银行授信业务审批优化研究
英文题目：	Research on optimization of credit business approval in NY bank
指导老师：	牛芳
中文关键字：	风险管理；授信审批；智能化尽调；公司授信
英文关键字：	Risk Management;Credit Approval;Intelligent Investigation;Corporate Credit
中文摘要：	随着金融市场的不断发展和金融创新的深入推进，银行授信业务作为银行业务的核心组成部分，其风险管理能力对于银行的稳健运营和可持续发展具有至关重要的意义。然而，近年来，国内外经济形势复杂多变，金融风险事件频发，这对银行授信审批风险管理提出了更高的要求。 本文以NY银行为例，通过深入研究其授信业务现状与授信业务审批过程中存在的问题，探讨授信业务审批的优化策略，旨在提升NY银行的风险管理水平。 本文首先介绍了研究的背景和内容，接着，回顾了授信业务的基本概念、分类以及审批风险的类型，并引入了全面风险管理理论、信息不对称理论和巴塞尔协议等相关理论框架，其中全面风险管理理论和巴塞尔协议是目前商业银行风险管理框架的核心遵循原则。在理论基础之上，本文对NY银行天津分行的授信业务现状进行了详细分析，包括银行的风险管理组织架构与制度建设，以及天津区域经济发展情况、授信业务分析、授信审批情况和与同业授信审批模式的差异。 通过研究发现，NY银行在授信业务审批过程中存在一些问题，主要包括审批质效低下、授权不充分、审批方案可执行性差、责权利不对等。针对上述问题，本文提出了相关优化策略，这些策略包括优化授信审批流程，如实行授信事项一次审议、优化重点客户授信审批流程、加强专业化人才队伍建设等；实施差异化授权，根据地域和业务特点灵活调整授权额度；建立授信审批后评价机制，加强重检和年审，建立合理的问责体系；推进授信审批的数字化和智能化以及健全风险预警机制，及时识别和防范潜在风险等。 展望未来，随着金融市场的不断发展和金融创新的深入推进，银行授信审批风险管理将面临更多的挑战和机遇。本文的研究只是一个起点，未来还需要进一步深入研究银行授信审批风险管理的各个方面。通过本文的研究，不仅为NY银行授信业务审批的优化提供了参考，也希望为其他金融机构在授信业务审批方面的改进提供一些借鉴和启示。
英文摘要：	With the continuous development of the financial market and the deepening of financial innovation, the credit business of banks, as a core component of banking operations, holds crucial significance for the stable operation and sustainable development of banks. However, in recent years, the complex and volatile economic situation both domestically and internationally, coupled with frequent financial risk events, has posed higher requirements for risk management in bank credit approval. Taking NY Bank as an example, this thesis discusses the optimization strategy of credit business approval by in-depth study of the current situation of its credit business and the problems existing in the credit business approval process, aiming to improve the risk management level of NY Bank. This thesis first introduces the background and content of the study. Then, the basic concepts, classifications and types of approval risks of credit business are reviewed, and the relevant theoretical frameworks such as comprehensive risk management theory, information asymmetry theory and Basel Accord are introduced to provide a theoretical basis for subsequent analysis. On the basis of theory, this thesis makes a detailed analysis of the current situation of the credit business of the Tianjin branch of NY Bank, including the bank's risk management organizational structure and system construction, as well as the regional economic development of Tianjin, the analysis of credit business, the credit approval situation and the differences with the interbank credit approval model. Through the research, it is found that there are some problems in the approval process of credit business of NY Bank, mainly including low approval quality and efficiency, insufficient authorization, poor enforceability of the approval plan, and unequal responsibilities and rights. In view of the above problems, this thesis proposes relevant optimization strategies, including optimizing the credit approval process, such as implementing one-time review of credit matters, optimizing the credit approval process for key customers, and strengthening the construction of professional talent team. Implement differentiated authorization, and flexibly adjust the authorization amount according to regional and business characteristics; Establish a post-approval evaluation mechanism for credit, strengthen re-examination and annual review, and establish a reasonable accountability system; Promote the digitization and intelligence of credit approval, improve the risk early warning mechanism, and identify and prevent potential risks in a timely manner. The research in this thesis is only a starting point, and further research on various aspects of bank credit approval risk management is needed in the future. Through the research of this thesis, it not only provides a reference for the optimization of the approval process of credit business of Bank of NY, but also hopes to provide some reference and enlightenment for the improvement of credit business approval of other financial institutions.
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