發(fā)布時間：2018-02-07 17:09

  本文關鍵詞： 信貸風險管理 信貸結(jié)構(gòu) 精細化管理　出處：《大連理工大學》2013年碩士論文　論文類型：學位論文

【摘要】：中國工商銀行股份有限公司(以下簡稱“工商銀行”)是國內(nèi)目前最大、最具實力的商業(yè)銀行。A分行作為工商銀行具有普遍代表性的城市分行,在面對目前國內(nèi)外復雜多變的經(jīng)濟環(huán)境,愈加嚴格的監(jiān)管要求,金融脫媒和利率市場化逐步顯現(xiàn)時取得穩(wěn)定快速發(fā)展。但成績?nèi)〉玫耐瑫r,貸款風險管理形勢不容樂觀,信貸風險管理工作不容忽視。 工商銀行雖然在國內(nèi)已經(jīng)建立起一套完善的信貸風險管理體系,但是立足全球來看,工商銀行的信貸風險管理工作,特別是對城市分行的信貸風險管理工作,還存在信貸結(jié)構(gòu)不合理、流程不完善、管理模式陳舊等一系列不足之處,甚至某些方面的落后已經(jīng)制約了城市分行競爭力的提升。 A分行作為工商銀行在C市的分支機構(gòu),其業(yè)務開展的現(xiàn)狀以及發(fā)展前景深受工商銀行傳統(tǒng)影響,并帶有濃重的地域特色,可以說A分行是工商銀行城市分行的典型縮影。本文以此為背景,從信貸風險的基礎概念入手,層層深入,研究分析信貸風險管理的發(fā)展進程。前期對A分行內(nèi)部采用大量信貸數(shù)據(jù)采集分析、管理人員訪談、調(diào)查問卷,并結(jié)合A分行信貸風險管理工作的實際狀況進行重點論述,理論聯(lián)系實際探討城市分行信貸管理工作目前存在的問題和矛盾,進一步明確信貸風險管理對于城市分行的現(xiàn)實意義。本文緊密結(jié)合我國銀行業(yè)的未來發(fā)展趨勢,以及今后金融市場的經(jīng)濟環(huán)境和監(jiān)管部門政策,對A分行現(xiàn)有信貸風險管理工作提出對策實施意見和建議,從而使A分行能夠及時進行信貸轉(zhuǎn)型,步入健康快速發(fā)展的快車道。同時對于國有銀行城市分行的信貸風險管理體制的改革也具有一定的指導和現(xiàn)實意義。
[Abstract]:Industrial and Commercial Bank of China Co., Ltd. (hereinafter referred to as ICBC) is the largest and most powerful branch of commercial bank in China at present as a universal representative city branch of ICBC. In the face of the complex and changeable economic environment at home and abroad, the increasingly stringent regulatory requirements, financial disintermediation and interest rate marketization gradually appear stable and rapid development, but at the same time, the credit risk management situation is not optimistic. Credit risk management should not be ignored. Although ICBC has established a set of perfect credit risk management system in China, but from a global perspective, ICBC's credit risk management work, especially the credit risk management work of urban branches, There are also a series of shortcomings such as unreasonable credit structure, imperfect process, obsolete management model and so on, even some aspects of backwardness have restricted the competitiveness of urban branches. As the branch of ICBC in C city, branch A is deeply influenced by ICBC tradition and has strong regional characteristics. It can be said that Branch A is a typical epitome of ICBC City Branch. This paper studies and analyzes the development process of credit risk management. In the early stage, a large amount of credit data is collected and analyzed within branch A, managers are interviewed, questionnaires are investigated, and the actual situation of credit risk management in branch A is discussed in detail. This paper discusses the problems and contradictions existing in the credit management of urban branches, and further clarifies the practical significance of credit risk management for urban branches. This paper closely combines the future development trend of the banking industry in China. As well as the economic environment of the financial market and the policies of the regulatory authorities in the future, suggestions and suggestions are put forward to implement the existing credit risk management work in Branch A, so that Branch A can carry out the credit transformation in a timely manner. At the same time, it has certain guidance and practical significance for the reform of credit risk management system of state-owned banks' urban branches.
【學位授予單位】：大連理工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

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