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论文编号：	460
作者编号：	2120062142
上传时间：	2008/12/17 23:19:50
中文题目：	中国工商银行贷款项目风险管理的
英文题目：	The Study of Loan Risk Managem
指导老师：	戚安邦
中文关键字：	贷款项目 风险管理 工商银行
英文关键字：	Loan Risk management ICBC/tit
中文摘要：	商业银行是专注于风险管理的机构，其利润的主要来源就是承担风险的风险溢价，现代金融活动中的风险虽然不可以完全消除，但也可以进行全面有效的管理。运用科学的方法妥善分析和管理风险是当前国际银行业发展的重要课题，也是现代商业银行核心竞争力的重要内容。能否积极主动地承担风险、管理风险、建立良好的风险管理构架和体系，以良好的风险定价策略获得利润，是决定其经营能力高低的关键和核心。 中国工商银行（简称工商银行）是中国最大的公司银行，截至2007年末，拥有272万公司客户。2007年末，境内公司贷款余额29,149.93亿元，增长15.2%；境内公司存款余额34,026.83亿元，增长20.1%。由于中国工商银行内部缺少对贷款风险的管理、风险度量方法的落后和相应的监督管理机制的缺失正阻碍工商银行的稳健发展， 经过20多年的改革和发展，中国工商银行只是初步完成了组织体系的变革和资产规模的扩张，由于没有充分认识风险管理的重要意义，工商银行在实现规模快速增长中也付出沉重的代价，大量不良资产的形成已严重制约了工商银行健康发展，损害了工商银行的国际竞争力。近年来，银行的操作风险频发，银行内部因素导致贷款不能按期收回的现象也时有发生，所有这些因素都直接威胁工商银行银行体系甚至整个金融体系和经济秩序的稳定。 本研究基于信息不对称理论，以项目PMBOK作为依据，运用专家评分方法和层次分析、模糊综合评价法改进信贷风险度量方法，改建适合新形势下的风险管理组织框架，提出中国工商银行信贷风险综合管理方法。 为此，本文基于现代风险管理的先进理念，借鉴国际金融界在风险管理方面的理论、方法与技术，结合我国银行业贷款风险管理的实践，完善风险管理的方法、手段与组织制度，希望能够有助于中国工商银行有效控制信贷风险，保证贷款的正常运作，提高竞争力，促进我国经济健康发展。
英文摘要：	The commercial bank is an organization concentrating on the risk management, which profit comes from mainly the risk premium. In the modern financial activity, although it may not be eliminated completely, risk can be managed comprehensively and effectively. The core competitive power of modern commercial banks is the way of using the science methods to analyze and manage risk. The business capability of commercial banks is decided by positive undertaking the risk, the risk management skeleton and system and obtaining the profit by the good risk fixed price strategy. Industrial and Commercial Bank of China（ICBC）, the biggest corporate bank in China, has got 2,720,000 corporate customers by the end of 2007. At the same time, with domestic corporate loans balance amounted to 2.914993 trillion yuan, an increase of 15.2 percents; domestic corporate deposits balance amounted to 3.402683 trillion yuan, an increase of 20.1 percents. After more than 20 years reform and the development, ICBC only has completed the organizational system transformation and the property scale expansion initially, but has not realized the vital significance of total risk management. ICBC has also paid the heavy price in realizing scale fast growth, the massive non-performe assets eroding ICBC healthy development and harming ICBC international competitive power. In recent years, ICBC operation risk has frequency occurred which internal factors are one of the main reasons. All these factors have directly threaten ICBC bank system even entire finance system and the economic. Basing on the Information Asymmetry theory and guiding under PMBOK, this research objectively assesses credit risks through analytic process of hierarchy and fussy comprehensive evaluation approach and improve a new organization skeleton, thus providing a concrete and viable base ICBC. Therefore, based on China’s current circumstances, this study discusses the risk management method and the organization system, beneficial to ICBC.
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