本文選題：銀行授信　切入點(diǎn)：信用風(fēng)險(xiǎn)評(píng)價(jià)　出處：《中國海洋大學(xué)》2013年碩士論文

【摘要】：改革開放以來,我國鋼鐵工業(yè)取得了長足發(fā)展,已成為世界上最大的鋼鐵生產(chǎn)和消費(fèi)國,不僅在數(shù)量上快速增長,而且在品種質(zhì)量、裝備水平、技術(shù)經(jīng)濟(jì)、節(jié)能環(huán)保等諸多方面都取得了很大的進(jìn)步,形成了一大批具有較強(qiáng)競(jìng)爭(zhēng)力的鋼鐵企業(yè),為國民經(jīng)濟(jì)持續(xù)、穩(wěn)定、健康發(fā)展做出了重要貢獻(xiàn)。更重要的是,鋼鐵行業(yè)作為我國經(jīng)濟(jì)體系的支柱型產(chǎn)業(yè),在銀行的貸款總量中也占有較大的比重,因此對(duì)鋼鐵企業(yè)客戶授信的信用風(fēng)險(xiǎn)評(píng)價(jià)始終是商業(yè)銀行信用風(fēng)險(xiǎn)管理的重中之重。 基于此,本文以鋼鐵企業(yè)作為研究對(duì)象,站在商業(yè)銀行的研究視角,建立鋼鐵企業(yè)信用風(fēng)險(xiǎn)指標(biāo)體系。本文總共分為5個(gè)部分。首先,本文在研究了國內(nèi)外眾多文獻(xiàn)之后,介紹了文章的選題背景和研究的方法路線,以及其理論的創(chuàng)新性和實(shí)際的應(yīng)用性。然后,本文總結(jié)和分析了信用風(fēng)險(xiǎn)的基本概念和信用風(fēng)險(xiǎn)評(píng)價(jià)的基本方法,并著重表述了我國商業(yè)銀行信用風(fēng)險(xiǎn)評(píng)價(jià)體系中存在的問題。其次,本文重點(diǎn)分析了我國鋼鐵企業(yè)的行業(yè)背景和風(fēng)險(xiǎn)識(shí)別,確定了鋼鐵企業(yè)的主要風(fēng)險(xiǎn)來源。再次,本文在原有商業(yè)銀行信用風(fēng)險(xiǎn)評(píng)價(jià)體系上做了修改和補(bǔ)充,建立了專門適合鋼鐵企業(yè)授信的信用風(fēng)險(xiǎn)評(píng)價(jià)體系。其中,文章應(yīng)用了因子分析法和主成分分析法確定了指標(biāo)體系中財(cái)務(wù)指標(biāo)的權(quán)重,并應(yīng)用了擇優(yōu)評(píng)分法確定了非財(cái)務(wù)指標(biāo)的權(quán)重,從而建立起完善全面的信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系。最后,本文為了體現(xiàn)該指標(biāo)體系的實(shí)際應(yīng)用性,選取了一家在本人實(shí)習(xí)單位有授信記錄的大型鋼鐵企業(yè),以該企業(yè)作為信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系的檢驗(yàn)對(duì)象,總結(jié)得出研究結(jié)論,并針對(duì)本文結(jié)論提出了幾點(diǎn)后續(xù)研究建議。
[Abstract]:Since the reform and opening up, China's iron and steel industry has made great progress and has become the largest steel production and consumption country in the world, not only in terms of rapid growth in quantity, but also in terms of variety quality, equipment level, technology and economy. Great progress has been made in many aspects, such as energy saving and environmental protection, and a large number of iron and steel enterprises with strong competitiveness have been formed, which have made important contributions to the sustained, stable and healthy development of the national economy. As the pillar industry of China's economic system, iron and steel industry also accounts for a large proportion of the total amount of bank loans, so the credit risk evaluation of the customers of iron and steel enterprises is always the most important part of the credit risk management of commercial banks. Based on this, this article takes the iron and steel enterprise as the research object, stands in the commercial bank research angle, establishes the iron and steel enterprise credit risk index system. This paper introduces the background of the topic, the research method, the innovation of the theory and the practical application. Then, this paper summarizes and analyzes the basic concept of credit risk and the basic method of credit risk evaluation. Secondly, this paper mainly analyzes the industry background and risk identification of Chinese iron and steel enterprises, and determines the main risk sources of iron and steel enterprises. In this paper, the credit risk evaluation system of commercial banks has been modified and supplemented, and a credit risk evaluation system suitable for steel enterprises has been established. The paper uses factor analysis method and principal component analysis method to determine the weight of financial indicators in the index system, and applies the selective score method to determine the weight of non-financial indicators. Finally, in order to reflect the practical application of the index system, we select a large steel enterprise with credit record in my internship unit. Taking the enterprise as the test object of the credit risk evaluation index system, this paper summarizes the research conclusions, and puts forward some suggestions for the follow-up research in the light of the conclusions of this paper.
【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F426.31;F832.4

【參考文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 侯遠(yuǎn)征;中信銀行信用風(fēng)險(xiǎn)管理體系研究[D];西北大學(xué);2010年

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本文編號(hào)：1671825