本文選題：浦發(fā)銀行　切入點(diǎn)：信貸風(fēng)險　出處：《遼寧大學(xué)》2012年碩士論文

【摘要】：目前，中間業(yè)務(wù)在商業(yè)銀行中的比重不斷增加，但我國商業(yè)銀行的核心業(yè)務(wù)仍然是信貸業(yè)務(wù),在商業(yè)銀行利潤組成中占有舉足輕重的地位，貫穿商業(yè)銀行信貸業(yè)務(wù)全過程的信貸風(fēng)險自然就成為商業(yè)銀行經(jīng)營風(fēng)險中面臨的最大風(fēng)險，商業(yè)銀行的信貸風(fēng)險管理理應(yīng)受到商業(yè)銀行從業(yè)人員的重視。然而現(xiàn)實(shí)情況是,大多數(shù)商業(yè)銀行在信貸業(yè)務(wù)中片面注重發(fā)展速度、信貸規(guī)模而放松管理、忽視風(fēng)險控制，，不重視信貸資產(chǎn)質(zhì)量長期很差的局面,違規(guī)違紀(jì)問題時有發(fā)生的商業(yè)銀行尚未消化舊的不良貸款包袱,新的不良貸款包袱又形成,為商業(yè)銀行的安全運(yùn)營安上了定時炸彈,時刻威脅著我國的商業(yè)銀行體系、金融市場和整個社會經(jīng)濟(jì)的穩(wěn)定。因此,我國銀行業(yè)運(yùn)營過程中面臨的重大課題就可以概括為如何提高信貸風(fēng)險管理水平。 本文以上海浦東發(fā)展銀行股份有限公司沈陽分行為研究對象,筆者對以往關(guān)于商業(yè)銀行風(fēng)險和商業(yè)銀行信貸風(fēng)險的眾多國內(nèi)外文獻(xiàn)進(jìn)行閱讀之后,在對相關(guān)理論進(jìn)行了整理、總結(jié)、分析的基礎(chǔ)上,找到了適應(yīng)浦發(fā)沈陽分行現(xiàn)狀的信貸風(fēng)險研究的突破點(diǎn)。在系統(tǒng)的闡述了本文的研究背景、研究意義以及論文框架后,本文首先從介紹商業(yè)銀行信貸風(fēng)險的概念、特征、產(chǎn)生原因及信貸風(fēng)險管理的程序、目標(biāo)的基本理論知識入手,通過對浦發(fā)銀行沈陽分行信貸風(fēng)險管理現(xiàn)狀的分析,找出浦發(fā)沈陽分行在信貸風(fēng)險管理方面存在的問題,并對問題產(chǎn)生的原因進(jìn)行了深刻的剖析。最后,結(jié)合作者自身經(jīng)驗(yàn)和從事商業(yè)銀行信貸的工作經(jīng)歷,在借鑒國內(nèi)外一些先進(jìn)的理論和實(shí)踐經(jīng)驗(yàn)基礎(chǔ)上,針對浦發(fā)沈陽分行面臨的具體問題,提出了改進(jìn)浦發(fā)沈陽分行信貸風(fēng)險管理的建議。在文章的結(jié)尾,筆者對本文的闡述做了系統(tǒng)總結(jié),并提出了未來商業(yè)銀行信貸風(fēng)險研究可能的發(fā)展方向。。
[Abstract]:At present, the proportion of intermediate business in commercial banks is increasing, but the core business of commercial banks in our country is still credit business, which plays an important role in the composition of commercial banks' profits. The credit risk that runs through the whole process of commercial bank credit business naturally becomes the biggest risk faced by the commercial bank management risk. The commercial bank credit risk management should be paid attention by the commercial bank employee. However, the reality is that, Most commercial banks pay one-sided attention to the development speed of credit business, relax the management of credit scale, ignore risk control and neglect the situation that the quality of credit assets is very poor for a long time. The problem of violating rules and regulations has not yet digested the old burden of non-performing loans, and the new burden of non-performing loans has formed again, putting a time bomb on the safe operation of commercial banks and threatening the commercial banking system of our country at all times. The stability of financial market and the whole society and economy, therefore, the important subject in the course of banking operation of our country can be summarized as how to improve the level of credit risk management. In this paper, Shanghai Pudong Development Bank Co., Ltd. Shenyang Branch as the research object, the author of the past on the risks of commercial banks and commercial banks credit risk of many domestic and foreign literature, after the collation of relevant theories. On the basis of summing up and analyzing, the paper finds the breakthrough point of credit risk research which adapts to the present situation of Pufa Shenyang Branch. After systematically expounding the research background, significance and frame of this paper, This paper begins with the introduction of the concept, characteristics, causes and procedures of credit risk management of commercial banks, and the basic theoretical knowledge of the objectives, and analyzes the present situation of credit risk management in Shanghai Branch of Pudong Development Bank. To find out the problems existing in the credit risk management of Pufa Shenyang Branch, and analyze the causes of the problems deeply. Finally, combining the author's own experience and the work experience of engaging in commercial bank credit, On the basis of some advanced theories and practical experiences at home and abroad, this paper puts forward some suggestions to improve the credit risk management of Pufa Shenyang Branch, aiming at the specific problems faced by the Shenyang Branch. The author makes a systematic summary of this article, and puts forward the possible development direction of the future commercial bank credit risk research.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前8條

1 朱書尚,李端,周迅宇,汪壽陽;論投資組合與金融優(yōu)化——對理論研究和實(shí)踐的分析與反思[J];管理科學(xué)學(xué)報;2004年06期

2 郝金洪;;現(xiàn)代信用風(fēng)險度量模型與我國商業(yè)銀行信用風(fēng)險管理[J];特區(qū)經(jīng)濟(jì);2005年12期

3 湯俊;肖健華;吳今培;;商業(yè)銀行信用風(fēng)險管理研究與實(shí)證分析[J];五邑大學(xué)學(xué)報(社會科學(xué)版);2006年03期

4 趙笑泳;;對當(dāng)前商業(yè)銀行防范信貸風(fēng)險的思考[J];新疆金融;2006年01期

5 宛璐;國外現(xiàn)代商業(yè)銀行風(fēng)險管理及其啟示[J];學(xué)術(shù)交流;2005年03期

6 劉善存,邱菀華,汪壽陽;帶交易費(fèi)用的泛證券組合投資策略[J];系統(tǒng)工程理論與實(shí)踐;2003年01期

7 孫萬貴,王春峰;信息與投資組合[J];系統(tǒng)工程理論與實(shí)踐;2005年01期

8 段巧玲;中國與外國銀行信貸管理的比較與啟示[J];中國科技信息;2005年14期

本文編號：1699074