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论文编号：	2086
作者编号：	2120072260
上传时间：	2010/3/13 17:11:05
中文题目：	兴业银行信贷风险管理模式研究
英文题目：	Research for Management Model of Industrial Bank''s Credit Risk
指导老师：	李莉
中文关键字：	信贷风险 管理模式 保障因素 兴业银行
英文关键字：	Credit Risk; Management Model; Protection Factor; Industrial Bank
中文摘要：	随着我国金融市场的日益开放和成熟，商业银行的信贷业务对推动我国的经济发展的重要作用日益凸显。此次金融危机对实体经济的影响已经越来越多地反作用于银行，致使国内银行信贷风险不断加大。尽管我国银行业已经逐步开始重视银行信贷风险管理的研究，资产质量也得到不小改善，但由于一些旧体制的原因，我国银行业在信贷管理政策、信贷质量管理、信贷审批管理、信贷管理系统等方面都还存在着很多缺陷，严重制约了我国商业银行在信贷风险管理上的发展，最终对银行的经济管理造成威胁。银行只有根据环境条件、自身特点等设计和不断完善信贷风险管理模式，才能在日益激烈的竞争环境中取得优势。 兴业银行作为一家经国务院和中国人民银行批准成立的首批股份制商业银行，发放短期、中期和长期贷款是其主要经营范围之一。该行信贷风险管理目标是根据监管要求、资本约束、风险偏好以及银行自身实际，完善风险管理的机制体制，改进风险管理的技术手段，有效识别风险、缓释风险、转移风险，全面提高风险管理水平，形成独特的风险管理能力，促进业务的健康发展、可持续发展，实现价值增长。研究兴业银行信贷风险管理模式有重要的现实意义，不仅能为规范该行信贷风险管理提供科学思路、模式支持，同时也可以为我国银行业的相关模式建设和实施提供借鉴。 本文首先对风险管理和信贷风险管理的国内外相关理论进行了回顾，然后介绍了兴业银行的基本情况，包括银行简介和银行风险管理的组织架构等，通过对银行信贷风险管理现状的分析，找出银行信贷风险管理中存在的问题及成因，继而从银行信贷风险管理模式的设计原则及关键点出发，从信贷政策、资产质量、审批流程和管理系统四个方面构建兴业银行信贷风险管理模式，最后，以可以使构建的信贷风险管理模式得以有效实施的保障因素为基础，提出完善兴业银行信贷风险管理模式的建议。
英文摘要：	With the increasing openness and maturity of China's financial market, commercial bank's credit business is promoting China's economic development obviously. The financial crisis has a counteractive impact on the bank, so that credit risk of the domestic banks continues to grow. China's banking industry has been gradually begun to research on the bank credit risk management, and the asset quality has also been improved. But due to the old system, there are still many defects in credit management policies, credit quality management, credit approval management and credit management system of China's banking industry, They are serious constraints in credit risk management development of China's commercial banks and ultimately pose a threat to the banks’ economic management. Only by designing and improving credit risk management model in accordance with environmental conditions, its own characteristics, the banks can gain advantage in the intense competitive environment. Industrial Bank is one of the first joint-stock commercial banks which were approved by the State Council and People's Bank. One of its main businesses is issuing short-term, medium-term and long-term loans. The bank's credit risk management objective is based on regulatory requirements, capital constraints, risk preferences and the bank itself, improve the risk management mechanisms and the risk management techniques to identify risk, slow-release risk, transfer risk, and comprehensively improve risk management level, form the unique risk management capabilities, promote the sustainable development of the business to achieve value growth. Making research on Industrial Bank credit risk management model has important realistic meaning, not only can provide scientific thinking to regulate the bank credit risk management, but also can support reference for other banks’ related system construction and implementation. The paper first reviewed on the risk management theory and credit risk management both at home and abroad, and then introduced the basic situation of the Industrial Bank, including bank profile and the risk management organizational structure. Through the analysis of bank credit risk management, we found out the problems and causes. Followed by design principles and key points of bank credit risk management system, we built the Industrial Bank credit risk management system from the credit policy, asset quality, approval processes and management systems four aspects. Finally, based on the protection factors, we processed advice to improve the Industrial Bank credit risk management regime.
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