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论文编号：	9473
作者编号：	2120152775
上传时间：	2017/12/6 13:15:57
中文题目：	A银行信用风险管控问题成因及对策研究
英文题目：	Research on the Causes and Countermeasures of Credit Risk Control of A-Bank
指导老师：	张玉利
中文关键字：	信用风险管控；商业银行；互联网金融；精细化管理
英文关键字：	Credit Risk Control; Bank; Internet-based Financing; Meticulous Management
中文摘要：	商业银行从其诞生以来，信用风险管控问题便随之存在。近年来，我国经济增速呈现下降趋势，“三期叠加”效应、产业结构调整阵痛逐步释放，商业银行作为实体经济的血液，实体经济中的突出问题与矛盾都会集中体现在商业银行的经营指标之中，A银行在这种情况下也难以独善其身，不良贷款暴露，不良率出现上涨波动。同时，近年来金融创新、互联网金融的发展有的游走在监管之外，在灰色地带发展壮大，这些潜在风险的暴露，最终仍然会体现在商业银行的信用风险暴露，A银行面临的信用风险管控形势更加复杂。 面对复杂多变的经济金融形势，过去单纯依靠规模扩张、不顾风险成本的信用风险管控已不适应市场竞争。虽然A银行在本次信用风险暴露过程中率先企稳，但仍暴露出全员信用风险管控意识未形成、全流程管控不平衡、综合金融业务预警能力不足、信息系统落后于信用风险管控需要、信用风险管控人才队伍建设不足等诸多仍待改进的问题。同时，A银行的信用风险管控工作不能仅满足于对过去及当前存在的信用风险进行控制，更应该着眼于金融混同、跨界风险传播的特征，着眼于自身多功能、综合化集团转型的趋势，提前计划提升自身能力，不限于解决当下的问题，更应该做好前瞻性管理，这意味着A银行信用风险管控问题的改进、能力的提升亟需提上日程。 A银行应通过加强信用风险管控的精细化，从培养健康信用风险管控文化、明确责任体系、精细化流程管控、提升预警能力、加强信息系统支撑、提升员工执行力等方面入手，改进信用风险管控中存在的不足，提高抵御经济周期波动能力，提升信用风险管控的前瞻性水平。
英文摘要：	Since the birth of banks, the issues of credit risk control have been followed. In recent years, China's economic growth showed a downward trend, “three overlay effect”, industrial structure adjustment pains gradually released, the banks as the blood of economy, prominent problems and contradictions in the economy will be reflected in the operating index of banks, A-Bank has not been spared in this case, the non-performing loans (NPLs) exposured, NPL rate fluctuated. At the same time, in recent years, the financial innovation and the Internet Financial walk on the out of supervisions, and developed in the gray zone. The potential risks will eventually reflect on credit risk in banks, A-Bank will face more complicated situation for credit risk control ever. Facing the complex economic and financial situation, A-Bank could not solely rely on the expansion of the scale and ignoring the risk costs. Although the A-Bank has been the first to see the stability of NPLs, but still expose to issues like: Having not formed the credit risk control consciousness throughout the bank, the whole process control is not balanced, comprehensive financial early-warning ability is not enough, information systems lag behind the credit risk control, lack of construction personnel for credit risk control staffs. At the same time, the A-Bank credit risk control ability should not only be satisfied with the control over the past and existing credit risk. A-Bank should focus on the characteristics of financial confusion, cross-border risk communication, focus on multifunctional issues in its transformation trend, which means to improve the credit risk control capabilities. A-Bank should implement meticulous management on credit risk control, from the aspects of cultivating healthy credit risk control culture, clear responsibility system, improve the capability of control on process, improve the early warning ability, strengthen the information system, enhance the execution of employees, in order to improve the ability to resist the economic cycle fluctuations, raise the capability of forward-looking on credit risk control
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