發(fā)布時(shí)間：2018-12-29 10:22

【摘要】：近年來(lái),雖然國(guó)內(nèi)商業(yè)銀行開(kāi)始根據(jù)資本充足率達(dá)標(biāo)要求,調(diào)整信貸結(jié)構(gòu),控制資產(chǎn)規(guī)模增速。但是現(xiàn)階段,國(guó)內(nèi)外經(jīng)濟(jì)形勢(shì)仍然復(fù)雜,經(jīng)濟(jì)企穩(wěn)向好的態(tài)勢(shì)還不穩(wěn)定。從國(guó)際環(huán)境看,金融危機(jī)影響仍然存在,包括一些發(fā)達(dá)國(guó)家經(jīng)濟(jì)復(fù)蘇的基礎(chǔ)還不穩(wěn)固,世界經(jīng)濟(jì)全面復(fù)蘇和我國(guó)外貿(mào)出口恢復(fù)高增長(zhǎng)仍然需要一個(gè)較長(zhǎng)的過(guò)程。從國(guó)內(nèi)形勢(shì)看,擴(kuò)大內(nèi)需政策效應(yīng)減弱,經(jīng)濟(jì)增長(zhǎng)內(nèi)生動(dòng)力不強(qiáng)；發(fā)展方式轉(zhuǎn)變依然滯后,結(jié)構(gòu)調(diào)整壓力進(jìn)一步加大；通貨膨脹預(yù)期明顯上升。當(dāng)前我國(guó)商業(yè)銀行正面臨前所未有的巨大的競(jìng)爭(zhēng)壓力和復(fù)雜的市場(chǎng)環(huán)境,政府當(dāng)局要求強(qiáng)化銀行表外業(yè)務(wù)監(jiān)管,防止風(fēng)險(xiǎn)積聚,保持金融系統(tǒng)健康穩(wěn)定；同時(shí)高度重視地方政府性債務(wù)的舉借和管理,嚴(yán)格控制增量,逐步消化存量,有效化解風(fēng)險(xiǎn)。特別要求金融機(jī)構(gòu)要切實(shí)加強(qiáng)風(fēng)險(xiǎn)識(shí)別和風(fēng)險(xiǎn)管理,遵循商業(yè)化原則,審慎評(píng)估借款人財(cái)務(wù)能力和還款來(lái)源。準(zhǔn)確把握政策導(dǎo)向,扎實(shí)推進(jìn)風(fēng)險(xiǎn)管理,將是今后銀行信貸風(fēng)險(xiǎn)管理工作的重中之重。 本人站在銀行一線(xiàn)員工的角度,結(jié)合現(xiàn)實(shí)宏觀條件,借鑒國(guó)外先進(jìn)商業(yè)銀行信貸風(fēng)險(xiǎn)管理經(jīng)驗(yàn),采取理論探討和數(shù)據(jù)指標(biāo)分析相結(jié)合的基本研究方法,在前人對(duì)銀行信貸風(fēng)險(xiǎn)管理研究的基礎(chǔ)上,根據(jù)目前商業(yè)銀行風(fēng)險(xiǎn)管理面臨的變化趨勢(shì),提煉我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)管理共同所面臨的問(wèn)題,特別是交通銀行正在經(jīng)歷的問(wèn)題,為交通銀行全面風(fēng)險(xiǎn)管理提出建議。 本文共分為五章。第一章導(dǎo)論介紹本文的研究背景、文獻(xiàn)綜述和研究方案；第二章分析交通銀行信貸風(fēng)險(xiǎn)管理狀況；第三章從交通銀行信貸風(fēng)險(xiǎn)管理現(xiàn)狀,引出交通銀行信貸風(fēng)險(xiǎn)管理存在的問(wèn)題并究其成因：第四章總結(jié)了國(guó)內(nèi)外先進(jìn)商業(yè)銀行信貸風(fēng)險(xiǎn)管理的經(jīng)驗(yàn).為后續(xù)的分析提供經(jīng)驗(yàn)支持：第五章將國(guó)內(nèi)外先進(jìn)商業(yè)銀行信貸風(fēng)險(xiǎn)管理的先進(jìn)經(jīng)驗(yàn)融入對(duì)交通銀行信貸風(fēng)險(xiǎn)管理問(wèn)題解決方案建議中。
[Abstract]:In recent years, although domestic commercial banks have begun to adjust the credit structure and control the growth rate of assets according to the requirements of capital adequacy ratio. However, at this stage, the domestic and foreign economic situation is still complex, the economic stability is not stable. From the point of view of international environment, the influence of financial crisis still exists, including that the foundation of economic recovery in some developed countries is still not firm, and it still takes a long time for the world economy to recover in an all-round way and China's foreign trade export to resume its high growth. From the point of view of domestic situation, the policy effect of expanding domestic demand is weakened, the endogenous motive force of economic growth is not strong, the transformation of development mode is still lagging behind, the pressure of structural adjustment is increasing further, and the expectation of inflation is obviously rising. At present, Chinese commercial banks are facing unprecedented competition pressure and complex market environment. The government authorities demand to strengthen the supervision of off-balance sheet business of banks, prevent the accumulation of risks, and keep the financial system healthy and stable. At the same time, we attach great importance to the borrowing and management of local government debt, strictly control the increment, gradually digest the stock, and effectively resolve the risk. In particular, financial institutions should strengthen risk identification and risk management, follow the principle of commercialization, and carefully assess the financial capacity of borrowers and the sources of repayment. It will be the most important task of bank credit risk management in the future to grasp the policy guidance and promote risk management. From the point of view of bank front-line staff, combining with the actual macro conditions, and drawing lessons from foreign advanced commercial bank credit risk management experience, I adopt the basic research method of combining theoretical discussion and data index analysis. On the basis of previous researches on bank credit risk management, according to the changing trend of commercial bank risk management, the common problems of commercial bank credit risk management in China are refined, especially the problems that the Bank of Communications is experiencing. Provide advice for Bank of Communications on overall risk management. This paper is divided into five chapters. The first chapter introduces the research background, the literature review and the research plan, the second chapter analyzes the credit risk management of Bank of Communications. The third chapter from the current situation of credit risk management of Bank of Communications leads to the existing problems of credit risk management of Bank of Communications and its causes: chapter four summarizes the experience of credit risk management of advanced commercial banks at home and abroad. In chapter 5, the advanced experience of domestic and foreign advanced commercial banks' credit risk management is integrated into the solutions to the problems of bank of communications credit risk management.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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