本文選題：銀行　切入點(diǎn)：法人　出處：《東北大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：從二十世紀(jì)九十年代開始,隨著改革開放的深入發(fā)展,國(guó)內(nèi)銀行業(yè)也告別四大國(guó)有銀行一枝獨(dú)大的壟斷時(shí)代,各銀行在針對(duì)銀行主營(yíng)業(yè)務(wù)信貸業(yè)務(wù)上,從根本上改變了曾經(jīng)落后的管理模式。隨著銀行授信管理不斷發(fā)展,對(duì)新時(shí)期銀行對(duì)企業(yè)的授信管理及風(fēng)險(xiǎn)防控提出了改進(jìn)措施。在新巴塞爾協(xié)議簽訂后的幾年中,對(duì)銀行的發(fā)展制定了新的約束制度,對(duì)銀行的效益評(píng)價(jià)也加進(jìn)了經(jīng)濟(jì)增加值及經(jīng)濟(jì)資本回報(bào)率的新概念,這為銀行的信貸業(yè)務(wù)的發(fā)展創(chuàng)造了機(jī)遇的同時(shí)也帶來了諸多風(fēng)險(xiǎn)隱患。因國(guó)有銀行管理理念較為陳舊,股份制改革較晚,政企分開尚不徹底,人員老化程度嚴(yán)重等多方面因素制約,其在授信管理的權(quán)限劃分上、流程管理上、風(fēng)險(xiǎn)評(píng)估上及額度管控等方面都落后于其他商業(yè)銀行。在其他商業(yè)銀行紛紛上市后,廣泛吸取國(guó)外先進(jìn)經(jīng)驗(yàn),先于ABC銀行進(jìn)行授信管理模式的改革。因此,面對(duì)金融市場(chǎng)日新月異的競(jìng)爭(zhēng)壓力下,ABC銀行也推出相應(yīng)的新的授信管理模式。ABC銀行的新法人客戶授信管理辦法于2013年4月末實(shí)施,實(shí)施過程中也出現(xiàn)了諸多問題及風(fēng)險(xiǎn)。本文運(yùn)用風(fēng)險(xiǎn)管理相關(guān)理論,對(duì)ABC銀行現(xiàn)行的新法人客戶授信管理辦法進(jìn)行分析,發(fā)現(xiàn)新辦法中要求以風(fēng)險(xiǎn)加權(quán)值的方式占用授信理論值,這種方式雖然可以為企業(yè)帶來一定的經(jīng)濟(jì)增加值的利益,但在一定程度上也暴露出風(fēng)險(xiǎn),對(duì)銀行的信貸資金安全埋下了諸多風(fēng)險(xiǎn)隱患。本文通過對(duì)發(fā)現(xiàn)的問題及風(fēng)險(xiǎn)因素進(jìn)行分析研究,通過對(duì)關(guān)鍵因素風(fēng)險(xiǎn)加權(quán)值的修正,對(duì)業(yè)務(wù)品種權(quán)重系數(shù)及擔(dān)保方式權(quán)重系數(shù)的修正,影響其對(duì)授信理論值的占用,從而更加科學(xué)合理引導(dǎo)企業(yè)使用銀行信貸資金。同時(shí),為輔助新授信管理辦法能夠更好的實(shí)施,及風(fēng)險(xiǎn)加權(quán)值在授信管理中發(fā)揮的作用能夠更加有效,結(jié)合ABC銀行實(shí)際的法人客戶授信業(yè)務(wù)管理情況,從基礎(chǔ)管理層面、限額管理層面、抵押物管理層面及戰(zhàn)略管理層面提出了相應(yīng)的輔助措施,以確保風(fēng)險(xiǎn)加權(quán)值修正后,ABC銀行法人客戶授信管理能夠有效的實(shí)施。其研究成果對(duì)于ABC銀行法人客戶授信管理的進(jìn)一步完善,銀行信貸資金的安全運(yùn)行,法人客戶授信風(fēng)險(xiǎn)的有效管控,銀行法人客戶信貸管理的綜合能力的提高都具有積極的現(xiàn)實(shí)意義。
[Abstract]:Since 1990s, with the deepening development of reform and opening up, the domestic banking industry has also bid farewell to the monopoly era of the four major state-owned banks. It has fundamentally changed the once backward management mode. With the continuous development of bank credit management, some measures have been put forward to improve the credit management and risk prevention and control of banks to enterprises in the new period. In the years after the signing of the New Basel Accord, A new restraint system has been established for the development of banks, and a new concept of economic added value and economic return on capital has been added to the benefit evaluation of banks. This has created opportunities for the development of the bank's credit business and brought many risks and hidden dangers. Due to the outdated management concept of the state-owned banks, the late reform of the shareholding system, and the incomplete separation of government and enterprises, The aging degree of personnel is seriously restricted by many factors, such as authority division of credit management, process management, risk assessment, quota control and so on, which lags behind other commercial banks. After other commercial banks have listed one after another, Foreign advanced experience is widely absorbed, and credit management mode reform is carried out before ABC Bank. In the face of the ever-changing competitive pressure in the financial market, ABC Bank has also introduced a corresponding new credit management model. The new method of credit management for corporate customers of ABC Bank came into effect at the end of April on 2013. There are also many problems and risks in the process of implementation. This paper analyzes the current methods of new corporate customer credit management in ABC Bank by using the theory of risk management. It is found that the new method requires the risk weighting value to occupy the credit theory value. Although this method can bring certain economic value added benefits to the enterprise, it also exposes the risk to a certain extent. This paper analyzes and studies the problems and risk factors found, and modifies the risk weighting value of the key factors. The modification of the weight coefficient of business variety and the weight coefficient of guarantee mode affects the occupation of the theoretical value of credit, which leads the enterprise to use bank credit funds more scientifically and reasonably. At the same time, in order to assist the new credit management method, it can be carried out better. And risk weighting value in credit management can play a more effective role, combined with the actual ABC bank corporate customer credit business management, from the basic management level, quota management level, At the level of mortgage management and strategic management, the corresponding auxiliary measures are put forward. In order to ensure that the risk weighting value can be effectively implemented, the research results can further improve the credit management of ABC bank corporate customers and the safe operation of bank credit funds. The effective management of corporate customer credit risk and the improvement of comprehensive ability of bank corporate customer credit management have positive practical significance.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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本文編號(hào)：1589236