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| 论文编号： | 9249 | |
| 作者编号： | 2120142590 | |
| 上传时间： | 2017/6/14 16:12:25 | |
| 中文题目： | BH银行信贷管理事前风险控制研究 | |
| 英文题目： | The research on risk control of credit management in BH bank | |
| 指导老师： | 赵伟 | |
| 中文关键字： | 商业银行；风险管理；信贷审批 | |
| 英文关键字： | Commercial banks; Risk management; Credit approval | |
| 中文摘要： | 一直以来，商业银行在经济发展过程中的充当着十分重要的角色，发挥着不可或缺的信用中介的作用。信贷业务作为商业银行的主营业务，是银行的主要收入来源，但风险总是伴随着收益产生的，商业银行在获得信贷业务所带来的收益的同时，也要面对其所带来的潜在损失的风险。信贷风险是商业银行面临的最主要风险之一，能否有效管控信贷风险，特别是能否在事前有效防范信贷风险，是商业银行稳健经营、健康发展的重要保障。近年来，受经济环境的影响，商业银行信贷风险集中暴露，信贷资产质量下行压力逐年增加。BH银行作为地方小型商业银行，客户抗风险能力较弱，受经济周期影响程度较大，贷款违约风险较高，因此如何加强信贷管理，提高资产质量，尤其是如何进一步完善和落实贷前审批制度，将风险关口前移，是解决BH银行目前所面临困难的当务之急。本文通过研究分析，利用国内外信贷风险管理相关理论成果，结合BH银行当前的实际情况，通过梳理信贷审批环节中的风险要点，指出贷前审批各关键环节中存在的问题，为BH银行进一步地完善客户准入管理，加强信贷审批制度体系建设提出了指导性意见。通过研究和提升BH银行信货审批决策水平的方法和思路，一方面有助于更好的防范信货风险，匹配好风险和收益的关系，为BH银行的发展提供坚实的保障，另一方面也有助于优化配置信贷资源，促进地区经济的发展和稳定。 | |
| 英文摘要： | Commercial banks have been playing a very important role in the process of economic development，and play an indispensable role in the credit intermediary. As the main business of commercial banks, credit business is the main source of income. But the risk is always accompanied by income. Commercial banksmust to face the potential risk of loss as earn benefits in the credit business.Credit risk is one of the most important risks for commercial banks. Whether it can effectively control the credit risk, especially effectively preventing the credit risk in advance, is an important guarantee for the healthy operation and development of commercial banks. In recent years, due to the impact of the economic environment, commercial banks credit risk exposure, the downward pressure on the quality of credit assets increased year by year. BH bank is a local small commercial bank. Most of its customers are weak anti risk ability and deeply affected by the economic cycle. The risk of default loans is much higher. So how to strengthen credit management, improve the quality of assets, especially how to further improve and implement the loan approval system, Advance the prevention and control of risksearly is a pressing matter of the moment for BH bank to solve the problemscurrently facing. In this dissertation, through research and analysis, using the related theories of credit risk managementboth here and abroad, combined with the actual situation of BH bank at present, through combing risk points of credit approval process, pointed out the key problems in the loan approval, and put forward the guiding opinions on further improving customer access management and strengthening the system of credit approval system.Through the research and improvement of methods and ideas of BH bank credit approval decision level, on one hand, is conducive to better credit risk prevention and match the relationship between risk and return, on the other hand, it can help to optimize the allocation of credit resources and promote regional economic development and stability. | |
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