本文選題：貸后管理　切入點：信貸風險　出處：《廣西大學》2013年碩士論文　論文類型：學位論文

【摘要】：從2008年國際金融危機開始,國際經(jīng)濟便開始進入到一個復雜多變的環(huán)境當中。隨著我國經(jīng)濟開放程度的加大,國內(nèi)經(jīng)濟的走勢也開始隨著世界經(jīng)濟的變動而發(fā)生波動。銀行業(yè)作為市場經(jīng)濟當中的命脈行業(yè),越來越明顯地受到來自外部環(huán)境的影響。面對復雜多變的經(jīng)濟走勢以及市場風險,風險管理能力作為銀行核心競爭力的重要性日益突出,而銀行的貸后管理又常常是風險管理的弱項,因此有必要對銀行的貸后管理進行深入的分析,并找出提升貸后管理能力的合理建議。 本文筆者總結(jié)自身從事銀行貸后管理的經(jīng)驗,以XYNN銀行的信貸業(yè)務貸后風險管理為案例,分析XYNN銀行在貸后風險管理上存在的問題。筆者認為XYNN銀行在貸后管理上存在著部分問題,如：貸后管理理念薄弱,影響了貸后管理的成效；貸后管理的執(zhí)行力不強；風險預警能力較差；貸后管理的激勵和問責制度不夠健全等等。 本文為了找出提升XYNN銀行貸后管理水平的對策和建議,首先對國內(nèi)外先進銀行的貸后管理的經(jīng)驗進行了歸納與總結(jié)。然后針對XYNN銀行貸后管理存在的問題,并結(jié)合國內(nèi)外先進銀行的貸后管理經(jīng)驗,得出相關的對策和建議。認為應當從五個方面加以完善與解決：(1)培育先進的貸后管理理念；(2)加強落實貸后管理各項制度的實施；(3)加強員工的交流與培訓,提升員工素質(zhì)；(4)構(gòu)建完善的風險預警能力；(5)完善貸后管理的激勵和問責制度。
[Abstract]:Since the beginning of the international financial crisis in 2008, the international economy has begun to enter into a complex and changeable environment. The trend of the domestic economy has also begun to fluctuate with the changes in the world economy. The banking industry is the lifeblood of the market economy. In the face of complex and changeable economic trends and market risks, the importance of risk management as the core competitiveness of banks is becoming increasingly prominent. The bank's post-loan management is often the weakness of risk management, so it is necessary to analyze the bank's post-loan management, and find out the reasonable suggestions to improve the ability of post-loan management. In this paper, the author summarizes his own experience in post-loan management of banks, taking XYNN Bank's post-loan risk management as a case study. The author thinks that there are some problems in the post-loan management of XYNN bank, such as the weak idea of post-loan management, which has affected the effectiveness of post-loan management, the weak executive power of post-loan management, and the weakness of post-loan management. Risk warning ability is poor; after loan management incentive and accountability system is not perfect and so on. In order to find out the countermeasures and suggestions to improve the XYNN bank's post-loan management level, this paper sums up and summarizes the experience of the domestic and foreign advanced banks' post-loan management, and then aims at the problems existing in the post-loan management of the XYNN bank. Combined with the post-loan management experience of advanced banks at home and abroad, The author thinks that we should improve and solve the problem from five aspects (1) cultivate the advanced post-loan management concept and (2) strengthen the implementation of the various systems of post-loan management and strengthen the exchange and training of employees. To improve the quality of employees and build a sound risk early warning ability. 5) improve the incentive and accountability system of post-loan management.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

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本文編號：1641769