本文關(guān)鍵詞：交通銀行哈爾濱分行信貸風(fēng)險(xiǎn)管理研究　出處：《哈爾濱工程大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 交通銀行哈爾濱分行 信貸風(fēng)險(xiǎn) 風(fēng)險(xiǎn)管理

【摘要】：隨著經(jīng)濟(jì)的不斷發(fā)展，金融做為現(xiàn)代經(jīng)濟(jì)的核心作用越來越明顯。商業(yè)銀行在金融體系當(dāng)中居于主導(dǎo)地位，是國(guó)家經(jīng)濟(jì)狀況的晴雨表。商業(yè)銀行風(fēng)險(xiǎn)管理水平的高低直接影響經(jīng)濟(jì)的穩(wěn)定。由于信貸業(yè)務(wù)是我國(guó)國(guó)有商業(yè)銀行的主要資產(chǎn)業(yè)務(wù)，同時(shí)也是商業(yè)銀行利潤(rùn)的重要來源，因此信貸業(yè)務(wù)是我國(guó)金融風(fēng)險(xiǎn)的主要匯集點(diǎn)，，具體表現(xiàn)為信貸風(fēng)險(xiǎn)。只有合理、有效控制信貸風(fēng)險(xiǎn)，促進(jìn)金融體系安全、穩(wěn)健運(yùn)行，才能實(shí)現(xiàn)我國(guó)社會(huì)主義市場(chǎng)經(jīng)濟(jì)健康、可持續(xù)發(fā)展。 本文在闡述商業(yè)銀行信貸風(fēng)險(xiǎn)成因的基礎(chǔ)上，具體分析了我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)管理的現(xiàn)狀及對(duì)策，由一般到個(gè)別的分析了交通銀行哈爾濱分行信貸風(fēng)險(xiǎn)管理現(xiàn)狀、存在的問題及成因。通過采集相關(guān)數(shù)據(jù)建立適合交通銀行哈爾濱分行的信貸風(fēng)險(xiǎn)管理模型，最后提出改善交通銀行哈爾濱分行信貸管理的具體對(duì)策。 論文分為5章，第1章緒論部分介紹了本文的研究背景、方向和內(nèi)容。第2章全面介紹了風(fēng)險(xiǎn)、信貸風(fēng)險(xiǎn)的內(nèi)涵及信貸風(fēng)險(xiǎn)管理的內(nèi)容，并對(duì)我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)管理的現(xiàn)狀和問題進(jìn)行了闡述。在第2章的基礎(chǔ)上，第3章首先詳細(xì)介紹了交通銀行哈爾濱分行信貸風(fēng)險(xiǎn)管理現(xiàn)狀、存在的問題，其次具體分析了交通銀行哈爾濱分行信貸風(fēng)險(xiǎn)管理自有的成因。第4章首先對(duì)國(guó)外商業(yè)銀行信貸風(fēng)險(xiǎn)管理常用評(píng)價(jià)模型進(jìn)行了介紹，并對(duì)交通銀行哈爾濱分行信貸風(fēng)險(xiǎn)管理現(xiàn)有評(píng)價(jià)方法進(jìn)行了詳細(xì)論述，指出其存在的缺陷和不足，然后引進(jìn)國(guó)際先進(jìn)銀行普遍使用的RAROC模型對(duì)該行信貸風(fēng)險(xiǎn)管理進(jìn)行了評(píng)價(jià)，證明其科學(xué)性和合理性。第5章總結(jié)性的提出了改善交通銀行哈爾濱分行信貸風(fēng)險(xiǎn)管理的具體對(duì)策。
[Abstract]:With the continuous development of economy, the central role of finance as the modern economy is becoming more and more obvious. Commercial banks play a leading role in the financial system. It is a barometer of the national economic situation. The level of risk management of commercial banks directly affects the stability of the economy. Because the credit business is the main asset business of state-owned commercial banks in China. At the same time, it is also an important source of commercial bank profits, so credit business is the main gathering point of financial risk in China, which is manifested in credit risk. Only reasonable, effective control of credit risk, promote the security of financial system. Stable operation, can realize our country socialism market economy is healthy, sustainable development. On the basis of explaining the causes of credit risk of commercial banks, this paper analyzes the present situation and countermeasures of credit risk management of commercial banks in China. From general to individual analysis of the current situation, existing problems and causes of credit risk management in Harbin Branch of Bank of Communications. Through the collection of relevant data to establish a credit risk management model suitable for Harbin Branch of Bank of Communications. Finally, the paper puts forward the concrete countermeasures to improve the credit management of Bank of Communications Harbin Branch. The first chapter introduces the research background, direction and content of this paper. Chapter 2 introduces the risk, the connotation of credit risk and the content of credit risk management. On the basis of chapter 2, chapter 3 introduces the current situation and problems of credit risk management of Bank of Communications Harbin Branch in detail. Secondly, it analyzes the causes of credit risk management in Harbin Branch of Bank of Communications. Chapter 4 introduces the common evaluation models of credit risk management in foreign commercial banks. At the same time, the existing evaluation methods of credit risk management in Harbin Branch of Bank of Communications are discussed in detail, and the defects and shortcomings are pointed out. Then the RAROC model which is widely used by international advanced banks is introduced to evaluate the credit risk management of international advanced banks. Chapter 5 puts forward the concrete countermeasures to improve the credit risk management of Bank of Communications Harbin Branch.
【學(xué)位授予單位】：哈爾濱工程大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 馮a

本文編號(hào)：1404696