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论文编号：	9603
作者编号：	2120152917
上传时间：	2017/12/7 18:46:22
中文题目：	G银行天津分行信用风险管理研究
英文题目：	Research on Credit Risk Management of G bank Tianjin brunch
指导老师：	梅丹
中文关键字：	信用风险管理；商业银行；G银行天津分行；GCMS系统
英文关键字：	Credit risk management; Commercial Banks; G bank Tianjin branch; GCMS analysis
中文摘要：	商业银行是经营风险的特殊企业。随着我国经济进入新常态、实体经济不景气，加上个别行业产能过剩的情况加重，商业银行的发展受到了来自社会各方面的挑战和阻碍。利率市场化、经济形势的复杂多变，造成不良贷款飙升、信用风险管理不善等问题，给商业银行的经营发展带来了极大打击。我国商业银行现有信用风险管理体系和措施仍然处在发展阶段，无论是在风险管理理念还是系统流程、实践操作上都存在很多值得改进的地方。 本文首先对信用风险管理的相关理论进行了回顾，继而对信用风险理论基础及《巴塞尔资本协议》的历史背景和其对信用风险管的理要求进行了阐述。紧接着以G银行天津分行为例，介绍G银行天津分行信用风险管理和评级授信工作的一般流程，结合G银行天津分行对A企业融资的案例指出其存在忽视对行业风险和关联风险的识别、信用风险评估数据不真实以及信贷各环节履职不到位等三方面的问题。最后结合G银行天津分行现有信用风险管理系统和内控制度情况，提出针对这些问题的改善建议，包括建立良好的信用风险管理环境、进一步完善信贷管理系统建设、加强信贷各环节信用风险管理、将信用风险管理纳入绩效评价等。 通过本文的研究，希望能在G银行天津分行现有信用风险管理体系的基础上，有效改进信用风险管理水平，进一步推进G银行天津分行信用风险管理工作的整体发展，进而为促进我国商业银行信用风险管理的研究，为商业银行健康良好的发展做出贡献。
英文摘要：	Commercial Banks are special enterprises that operate at risk. As China's economy enters a new normal, the real economy is stagnant, and the situation of excess capacity in individual industries is aggravated, the development of commercial Banks is challenged and hindered by various aspects of society. Interest rate liberalization and the complex and volatile economic situation have caused the problems such as soaring non-performing loans and poor credit risk management, which have brought great blows to the operation and development of commercial Banks. Existing Chinese commercial Banks credit risk management system and measures is still in development stage, in both risk management and system process, the state practices a lot to improve. In this paper, first of all, it reviews the relevant theory of credit risk management, the theoretical basis of credit risk, in turn, and the Basel capital accord "of historical background and its management requirements for credit risk tube were expounded. Then G bank tianjin branch as an example, this paper introduces G bank tianjin branch credit risk management and the general process of rating credit work, combined with G bank tianjin branch in the case of A corporate finance pointed out that the credit risk identification and assessment of credit risk and credit risk control links such as three aspects. Finally combining with G bank tianjin branch of current credit risk management system and internal control system, improving Suggestions to solve these problems, including to establish a good credit risk environment, further perfect credit management system construction, strengthen the credit credit risk management, credit risk management of each link in the performance evaluation, etc. Through the study of this article, the hope can in G bank tianjin branch, on the basis of the existing credit risk management system, effectively improve the credit risk management level, to further promote the G bank tianjin branch the whole development of credit risk management, and to promote our country commercial bank credit risk management research, contribute to the development of commercial Banks in good health.
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