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| 论文编号： | 4789 | |
| 作者编号： | 2120102728 | |
| 上传时间： | 2012/12/11 18:22:43 | |
| 中文题目： | TJ银行信贷业务贷后管理研究 | |
| 英文题目： | Research on post-loan management of credit business in TJ bank | |
| 指导老师： | 陈国欣 | |
| 中文关键字： | 风险;信贷风险;贷后管理 | |
| 英文关键字： | Risk;Credit Risk;Post-loan Management | |
| 中文摘要： | 商业银行信贷风险管理可分为事前控制、事中控制与事后控制三个环节，贷后管理属于事后控制环节。长期以来，我国商业银行围绕客户信贷业务风险管理，更加注重对事前和事中环节的内部控制，逐渐形成了以“准入管理”为核心的信贷风险管理理念，但却忽视了对事后环节的风险控制，导致“重贷轻管”的现象普遍存在。 TJ银行作为一家可跨区域经营的城市商业银行，近年来，跨区域发展越来越多，信贷业务规模不断扩大，对于贷后管理水平的要求越来越高。尽管该行近年来不断强调贷后管理工作的重要性、加大了贷后管理工作力度，并构建了较为完善的贷后管理体系，但贷后管理仍然是该行信贷风险管理的薄弱环节，“重贷轻管，管理不到位”的现象依然存在。 本文本着理论联系实际的理念，旨在通过对TJ银行信贷业务贷后管理的研究，对该行贷后管理工作的完善提供一点借鉴。本文首先对信贷风险及贷后管理的相关基础理论进行介绍，然后通过对TJ银行信贷业务经营状况以及贷后管理现状的分析，剖析出该行贷后管理存在的主要问题，最后针对这些问题提出了通过完善贷后管理责任体系，建立贷后管理考核机制，升级信贷业务管理系统，实现贷后精细化管理，增加贷款大户风险监控以及加强客户经理队伍建设的方式对TJ银行贷后管理工作进行优化的建议。 关键词：风险 信贷风险 贷后管理 | |
| 英文摘要： | Credit risk management of commercial banks can be divided into three links：pre-control, things in control and post-control, post-loan examination belongs to the link of post-control. For a long time, China's commercial banks pay more attention to pre-control and things in control on credit risk management, gradually, form the “access management” as the core of the credit risk management philosophy, but ignore the link of post-control. So that the phenomenon of “Emphasis on loan, contempt management” is widespread. In recent years, as a cross-regional city commercial bank, TJ bank’s cross-regional development is more and more, and the scale of credit business is expanding. So that TJ bank has to improve the level of post-loan management. Although the bank in recent years has emphasized the importance of post-loan management repeatedly, and increased the efforts of post-loan management, and built a more perfect post-loan management system, but the post-loan management is still the weak link of its credit risk management, the phenomenon of “Emphasis on loan, contempt Management” still exists. With the spirit of the theory with practical ideas, this paper is written to provide a reference for perfecting TJ bank’s post-loan management, by researching its post-loan work. Firstly, this paper introduces the basic theories of credit risk and post-loan, and then analyzes the main problems of TJ bank, by introducing its credit business and post-loan management, finally, puts forward to perfect the post-loan management of TJ bank by perfecting the responsibility system of post-loan management, establishing the evaluation mechanism of post-loan management, upgrading the credit business system, achieving credit meticulous management, increasing risk monitoring of big customers and strengthening the client manager team. Key Words: Risk, Credit Risk, Post-loan Management | |
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