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论文编号：	8643
作者编号：	2120142660
上传时间：	2016/12/6 11:20:59
中文题目：	城市商业银行公司信贷风险管理研究
英文题目：	Study on Corporate Gredit Risk Management of City Commercial Bank
指导老师：	姚颐
中文关键字：	商业银行;信贷风险;内部控制;风险限额
英文关键字：	Commercial bank;internal control;credit risk;credit limit
中文摘要：	信贷风险管理是银行风险管理的核心。在经济形势处于下行阶段，信贷风险暴露尤为明显。无论是民营企业，还是国有企业，随着实体经济萎靡，发生违约的概率均呈上升趋势。大型股份制银行也会受到经济波动的影响，但其信贷风险管理体系相对完善，技术手段相对先进，能够有效管控信贷风险。城市商业银行由于成立时间短，信贷风险管理体系尚未完善，内控机制相对粗放，在追求利润的同时，忽视风险管理，并且缺乏先进技术手段对信贷风险进行有效地管控,信贷决策主要依靠主观判断。受经济增速进一步趋缓的影响，城市商业银行面临信用风险暴露压力，风险管理面临巨大挑战。本研究致力于探讨城市商业银行如何加强和完善公司信贷风险管理。首先，本文运用理论分析工具从风险管理和内部控制的理论入手，逐步梳理银行信贷风险管理的原则和方法。其次，结合A银行天津分行公司信贷风险管理的现状分析，指出A银行天津分行公司信贷风险管理在内部控制、风险限额、信贷风险计量等方面存在的问题。最后，针对存在的问题，提出了改善A银行信贷风险管理的具体建议。 A银行天津分行公司信贷风险管理对策值得其他城市商业银行学习和借鉴，使城市商业银行信贷风险管理从“内控导向”转向“风险经营与内控相结合”，以保障和促进城市商业银行长期可持续发展。
英文摘要：	Credit risk management is the essential part of bank risk management. The exposure of credit risk will be particularly obvious while the economy is in the downward phase. With the malaise of real economy, default probabilities of private enterprises and state-owned enterprises are on the rise. Large share-holding commercial banks will be also affected by economic fluctuation. Whereas, these banks can control the credit risk effectively because of their perfect credit risk management system and advanced technology. Due to the short developing history, the credit risk management system of city commercial banks is not perfect and the internal control mechanism of these banks is relatively extensive. In pursuit of profit, city commercial banks ignore the risk management and lack the advanced technical means to control the credit risk effectively. Consequently, their credit decisions mainly rely on subjective judgments. Influenced by the slowdown in economic growth, urban commercial banks are faced with the pressure of credit risk exposure and risk management also confronts a huge challenge. This research focuses on how to strengthen and perfect the credit risk management of city commercial banks. Firstly, in this paper, the theory of risk management and internal control theory are used to sort out the principles and methods of bank credit risk management. Next, with the analysis of the current situation of credit risk management in Tianjin Branch of A bank, this paper points out the problems existing in the internal control, risk limit and credit risk measurement of Tianjin Branch. Finally, As to these problems, this paper puts forward some suggestions on improving the credit risk management of Bank A. Above all, other city commercial banks will use the experience of the company credit risk management strategy in Tianjin Branch of Bank A for reference, so that these banks’ credit risk management will change from "internal control " to "risk management and internal control". These measures will protect and promote the long-term sustainable development of city commercial banks.
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