联系我们

论文查询结果	返回搜索

论文编号：	3006
作者编号：	2220070884
上传时间：	2011/3/29 15:25:03
中文题目：	基于行业分析的商业银行信贷风险控制研究
英文题目：	The Study on the Credit Risk Control for Commercial Banks on the basis of Industry Analysis
指导老师：	王全喜
中文关键字：	关键词：商业银行 行业分析 信贷风险 风险管理
英文关键字：	Key Words：Commercial banks; Industry analysis; Credit risk; Risk management
中文摘要：	摘 要 随着我国近三十年的改革开放所带来的社会、经济的巨大变化，无论是传统产业、新兴行业以及快速成长众若繁星的企业都在随之成长变化、兴衰轮回，商业银行作为其中的特殊一员，也在也在这三十年中荣辱与共、悲喜参半，在“伴君成长”的过程，同时也是自身积累、汲取经验教训的过程中，银行业对风险的认识和把握已经历“小、初、高”三个阶段的学习提高与实践，目前已处于偏重财务数据定量分析、以市场及项目收益预测为主、担保抵押评估为辅的双重风险评价识别的阶段，而作为风险判别防控的工具，行业分析的结合与应用尚未以足够的（应不低于前两者）权重，纳入到信贷风险防控评价当中。在当前的银行信贷普遍实践中，行业分析应该是银行信贷管理人员在进行客户遴选和价值发现过程中必须予以充分重视和研究应用的手段和方法。 本文采用以实证分析与规范分析，定量分析与定性分析相结合的研究方法来论证阐述行业分析在银行信贷风险控制中的作用和意义。在第二章理论部分，本文通过信贷风险计量理论、商业银行风险管理理论以及行业分析的基础理论和方法构建出行业分析对商业银行风险管理与控制的理论基础；接下来在第三章中摆出目前商业银行在信贷管理上的风险控制现状以及造成风险的成因，并对行业分析在银行信贷管理中未能予与足够重视这一现状进行披露于探讨。在充分把事实和问题列举出后，第四章本文给出如何运用行业分析的方法来帮助银行提高风险管控建议。从基于行业分析的风险识别体系建立、财务定量分析与行业分析相结合以及通过行业分析对风险管理体系进行修正等方面提供解决方案。在第五章实际案例说明里，本文通过对地方畜牧业与国内大型家电连锁业的两个不同行业在不同时期的发展分析，详细阐述了基于行业分析的信贷风险对商业银行的重要性。用事实证明，信贷风险的管控需要根据行业的竞争模式、管理模式、交易模式、成本模式、发展周期变化、产品替代性、依赖性以及行业整体的财务状况等进行动态调整。 由于在本文涉及的观点源于实际多年对信贷工作的观察、分析与总结，同时所涉及的实际案例内容庞杂、对涉及观点的内容提炼整理起来较为复杂，故全文在最后进行总结时，也提出了在文章探讨中可能存在的主观性及局限性。 本文在综述和总结上述各章论述的基础上提出在当前与未来更应加大和注重行业分析在银行信贷风险防范防控和整体经营战略上的决策参考作用与价值，不仅为提升商业银行的信贷风险管理能力提供理论依据，也为继续深入研究这一领域起到了实际意义与创新价值。
英文摘要：	Abstract With the great changes happen on social and economy brought by China’s Reform and Opening up to the outside world in the past three decades, industries, whatever traditional, newly developing or rapid growth, all of them have been experiencing growing, changing, rising and falling. As one of them, the commercial banks have been also sharing both glory and disgrace which mixed with joys and sorrow. In the process of this “accompany” which meanwhile is self-accumulation of lessons and experiences, the banking industry's understanding about risk has experienced "primary, middle-school and high-school" three phases of learning to improve and practice, and so far the emphasis has been in the quantitative analysis of financial data, the stage of dual risk assessment & recognition which mainly by project-based market revenue forecasts and supplemented by guarantee, mortgage assessment. However as a tool for prevention and control risk, the application and combination of industry analysis do not have enough weight (should be no less than the former two) in the credit risk control evaluation. Industry analysis should be given adequate attention as tools and methods for bank management staff during the customer selection and value finding process in the current general practice of bank credit. In this paper, the combination research methods are used which are empirical analysis & regulation analysis, quantitative analysis and qualitative analysis to demonstrate and elaborate the role and significance that how industry analysis work in the bank credit risk control. In the theoretical part of the second chapter, the industry of commercial bank risk management and control theory basis is built by the theory of credit risk measuring, commercial bank risk management theory and the basic industry analysis; then in the third chapter the paper brings forward the current situation of commercial banks in credit risk management and control, and the causes of the risk, and give disclosure and study to the insufficient attention of industry analysis in the current bank credit management. After the facts and issues have been fully enumerated, in the fourth chapter of this paper, the method and recommendations are given in how to use industry analysis to help banks to improve risk management and control. The solutions are provided from the establishment of industry- analysis-based risk identification system, to financial quantitative analysis which combined with industry analysis and the amendment that industry analysis act on the risk management system. In the fifth chapter, the paper uses actual cases of two different industries which one is local livestock industry; the other is large domestic home appliance chain cooperation to analyze different development trends in different periods, and detailed elaborate the importance of industry-analysis-based credit risk to commercial banks. Therefore to prove with the facts that credit risk management and control should be adjusted dynamically based on the models of competition, management, transaction, cost, the development cycle, product substitution, dependency, and the overall financial situation. As the point and view related in this article are originated from many years observation on the credit analysis and summary in practical work, while the actual case involved voluminous contents, which is complicated to refine and finish up the related points involved, so in the final summary, the paper also points out the subjective and limitation in the whole discussion in article may exist. Through practice analysis and comparative analysis, the paper demonstrates that in the current and future the focus of industry analysis should be increased, also emphasize its decision making value which effecting on bank credit risk prevention & control and overall business strategy for the prevention and control, not only providing theoretical basis for enhance the credit risk management capabilities of commercial banks, also playing a practical significance for further research in this area.
查看全文：	预览  下载(下载需要进行登录)