恒豐銀行南京分行信貸風險管理研究
發(fā)布時間：2019-02-17 15:22
【摘要】：信貸風險管理是現(xiàn)代商業(yè)銀行風險管理的核心內(nèi)容之一。20世紀90年代以來,信貸風險管理成為商業(yè)銀行風險管理中最關(guān)鍵也最具挑戰(zhàn)性的領(lǐng)域之一。隨著金融市場日趨復雜、衍生金融工具不斷發(fā)展,商業(yè)銀行的信貸風險暴露開始成倍增長,性質(zhì)也更為復雜。2007年美國“次貸危機”爆發(fā)導致的全球金融危機加劇,使得商業(yè)銀行的信貸風險管理更加成為國際國內(nèi)金融界關(guān)注的焦點。對于我國,目前金融市場自由化還處于初級階段,貸款仍占銀行總資產(chǎn)的絕對比重,信貸業(yè)務仍然是各商業(yè)銀行的主要利潤來源,因此,在現(xiàn)階段信貸風險管理仍然是各商業(yè)銀行風險管理的主要部分,商業(yè)銀行面臨最大的風險也是信貸風險。加強研究信貸風險管理,提高商業(yè)銀行對信貸風險的識別、控制、處置能力,對于抵御信貸風險,提升銀行信貸資產(chǎn)質(zhì)量,實現(xiàn)穩(wěn)健經(jīng)營有著重要意義。 本文從商業(yè)銀行信貸風險有關(guān)理論入手,根據(jù)導致銀行信貸資產(chǎn)損失的風險事件的不同對信貸風險分類,從恒豐銀行南京分行當前信貸風險管理的現(xiàn)狀出發(fā),提出深化信貸風險管理的必要性。雖然恒豐銀行南京分行在信貸風險管理方一面采取了一系列的措施,但是其信貸資產(chǎn)的質(zhì)量仍舊令人擔憂。信貸風險管理是一個復雜的過程,恒豐銀行南京分行要根據(jù)各種渠道獲得信息,把好準入關(guān)口,提早識別風險來源、風險范圍、風險程度和風險趨勢,并發(fā)出相應的風險警示信號,采取一系列的手段對信貸風險進行控制。因此,恒豐銀行南京分行信貸風險的識別、預警、計量、防范和化解是一個非常重要的過程,貫穿于貸款的全過程。針對各類風險產(chǎn)生的原因,采取相應的信貸風險控制措施,并結(jié)合恒豐銀行南京分行的實際情況提出改進建議,通過研究以使恒豐銀行南京分行能最大限度降低信貸風險、提高經(jīng)營效益。
[Abstract]:Credit risk management is one of the core contents of modern commercial bank risk management. Since 1990s, credit risk management has become one of the most critical and challenging fields in commercial bank risk management. With the increasing complexity of financial markets and the continuous development of derivative financial instruments, the exposure of commercial banks to credit risks has increased exponentially and their nature has become more complicated. The global financial crisis caused by the outbreak of the "subprime mortgage crisis" in the United States in 2007 intensified. The credit risk management of commercial banks has become the focus of international and domestic financial circles. For our country, the liberalization of the financial market is still in the initial stage, loans still account for the absolute proportion of the total assets of the banks, and the credit business is still the main source of profits of the commercial banks. At the present stage, credit risk management is still the main part of the risk management of commercial banks, and the biggest risk faced by commercial banks is credit risk. It is of great significance to strengthen the research on credit risk management and to improve the ability of commercial banks to identify, control and deal with credit risk, to resist credit risk, to improve the quality of bank credit assets and to realize sound management. This paper starts with the theory of credit risk of commercial banks, classifies credit risk according to the different risk events that lead to the loss of bank credit assets, and proceeds from the current situation of credit risk management in Nanjing Branch of Hengfeng Bank. The necessity of deepening credit risk management is put forward. Although the Nanjing branch of Hengfeng Bank has taken a series of measures on the credit risk management side, the quality of its credit assets remains worrisome. Credit risk management is a complicated process. The Nanjing Branch of Hengfeng Bank should obtain information according to various channels, pass the entry and exit well, and identify the source, scope, degree and trend of risk ahead of time. And issued the corresponding risk warning signal, take a series of means to control the credit risk. Therefore, the identification, warning, measurement, prevention and solution of credit risk in Nanjing Branch of Hengfeng Bank is a very important process, which runs through the whole process of loan. Aiming at the causes of various kinds of risks, taking corresponding credit risk control measures and combining with the actual situation of Hengfeng Bank Nanjing Branch, the paper puts forward some suggestions for improvement, and through the research, we can make Hengfeng Bank Nanjing Branch to minimize the credit risk. Improve the efficiency of operation.
【學位授予單位】：南京大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4
本文編號：2425306
[Abstract]:Credit risk management is one of the core contents of modern commercial bank risk management. Since 1990s, credit risk management has become one of the most critical and challenging fields in commercial bank risk management. With the increasing complexity of financial markets and the continuous development of derivative financial instruments, the exposure of commercial banks to credit risks has increased exponentially and their nature has become more complicated. The global financial crisis caused by the outbreak of the "subprime mortgage crisis" in the United States in 2007 intensified. The credit risk management of commercial banks has become the focus of international and domestic financial circles. For our country, the liberalization of the financial market is still in the initial stage, loans still account for the absolute proportion of the total assets of the banks, and the credit business is still the main source of profits of the commercial banks. At the present stage, credit risk management is still the main part of the risk management of commercial banks, and the biggest risk faced by commercial banks is credit risk. It is of great significance to strengthen the research on credit risk management and to improve the ability of commercial banks to identify, control and deal with credit risk, to resist credit risk, to improve the quality of bank credit assets and to realize sound management. This paper starts with the theory of credit risk of commercial banks, classifies credit risk according to the different risk events that lead to the loss of bank credit assets, and proceeds from the current situation of credit risk management in Nanjing Branch of Hengfeng Bank. The necessity of deepening credit risk management is put forward. Although the Nanjing branch of Hengfeng Bank has taken a series of measures on the credit risk management side, the quality of its credit assets remains worrisome. Credit risk management is a complicated process. The Nanjing Branch of Hengfeng Bank should obtain information according to various channels, pass the entry and exit well, and identify the source, scope, degree and trend of risk ahead of time. And issued the corresponding risk warning signal, take a series of means to control the credit risk. Therefore, the identification, warning, measurement, prevention and solution of credit risk in Nanjing Branch of Hengfeng Bank is a very important process, which runs through the whole process of loan. Aiming at the causes of various kinds of risks, taking corresponding credit risk control measures and combining with the actual situation of Hengfeng Bank Nanjing Branch, the paper puts forward some suggestions for improvement, and through the research, we can make Hengfeng Bank Nanjing Branch to minimize the credit risk. Improve the efficiency of operation.
【學位授予單位】：南京大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4
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