發(fā)布時(shí)間：2018-04-09 20:00

  本文選題：貸款　切入點(diǎn)：風(fēng)險(xiǎn)評(píng)估　出處：《西南財(cái)經(jīng)大學(xué)》2012年碩士論文

【摘要】：銀行業(yè)的發(fā)展經(jīng)歷了漫長(zhǎng)的過程,伴隨經(jīng)濟(jì)的不斷發(fā)展,人們呈現(xiàn)出多樣化的金融需求,銀行業(yè)務(wù)在最初存、貸、匯的基礎(chǔ)之上得到不斷的豐富和發(fā)展。然而,資金的來源是資金運(yùn)用的前提,銀行業(yè)傳統(tǒng)的存貸業(yè)務(wù)始終是銀行發(fā)展的基礎(chǔ),目前銀行存在的各種新興業(yè)務(wù)都是在此基礎(chǔ)上創(chuàng)新和延伸而來。同時(shí),貸款業(yè)務(wù)在銀行資產(chǎn)業(yè)務(wù)中舉足輕重的地位,決定了對(duì)貸款的管理始終不可疏忽。尤其是在我國(guó)加入WTO以后,逐漸放寬對(duì)外資銀行的限制,我國(guó)的商業(yè)銀行尤其是中小型股份制商業(yè)銀行,面臨更大的挑戰(zhàn),如何不斷完善其貸款業(yè)務(wù)以提高自身競(jìng)爭(zhēng)力,就顯得更為重要。 本文運(yùn)用案例分析的方法,首先選取恒豐銀行對(duì)HY集團(tuán)的貸款案例,結(jié)合自己在恒豐銀行的暑期實(shí)習(xí)經(jīng)歷和相關(guān)商業(yè)銀行貸款管理知識(shí),按照恒豐銀行對(duì)中長(zhǎng)期貸款業(yè)務(wù)的一貫分析和操作流程,構(gòu)建了恒豐銀行對(duì)HY集團(tuán)貸款的整個(gè)過程。并通過該過程,找出恒豐銀行貸款業(yè)務(wù)中存在的關(guān)于貸款風(fēng)險(xiǎn)評(píng)估、貸款定價(jià)、業(yè)務(wù)拓展以及客戶選擇標(biāo)準(zhǔn)等方面的問題,最后對(duì)這些問題一一提出了相關(guān)的改進(jìn)建議。這不僅對(duì)于恒豐銀行完善貸款業(yè)務(wù),提升其盈利能力,增強(qiáng)其在激烈市場(chǎng)中的競(jìng)爭(zhēng)力有很重要的意義,而且對(duì)于目前我國(guó)存在的廣大中小股份制商業(yè)銀行都有普遍的借鑒意義。 本文的主要?jiǎng)?chuàng)新之處在于： 1.文章選取恒豐銀行這個(gè)較為年輕的中小股份之制銀行作為研究對(duì)象,進(jìn)行案例分析,這對(duì)目前我國(guó)廣大中小銀行具有很強(qiáng)的針對(duì)性和借鑒意義。 2.文章運(yùn)用案例分析法,選取恒豐銀行貸款業(yè)務(wù)中的實(shí)際案例進(jìn)行分析,緊密貼合現(xiàn)實(shí),使文章更具可靠性和真實(shí)性。
[Abstract]:The development of the banking industry has experienced a long process, with the continuous development of the economy, people present a variety of financial needs, banking business in the initial deposit, loan, remittance on the basis of continuous enrichment and development.However, the source of funds is the premise of the use of funds, the bank's traditional deposit and loan business is always the basis of the development of banks.At the same time, loan business plays an important role in bank asset business, which determines the management of loans should not be neglected.It's all the more important.This article uses the case analysis method, first selects the Hengfeng bank to the HY group loan case, unifies oneself in the Hengfeng bank summer vacation internship experience and the correlation commercial bank loan management knowledge,According to the consistent analysis and operation flow of Hengfeng Bank's medium and long term loan business, the whole process of Hengfeng Bank's loan to HY Group is constructed.Through this process, we find out the problems of loan risk assessment, loan pricing, business expansion and customer selection criteria in the loan business of Hengfeng Bank. Finally, we put forward some suggestions to improve these problems one by one.This is not only of great significance for Hengfeng Bank to improve its loan business, enhance its profitability and enhance its competitiveness in the fierce market, but also has universal reference significance for the vast number of small and medium-sized joint-stock commercial banks existing in our country at present.The main innovations of this paper are:1.This paper selects Hengfeng Bank, a relatively young medium and small stock bank, as the research object, and analyzes the case, which has strong pertinence and reference significance for the majority of small and medium-sized banks in our country at present.2.This paper uses the case analysis method, selects the Hengfeng bank loan business actual case to carry on the analysis, closely matches the reality, causes the article to be more reliable and the authenticity.
【學(xué)位授予單位】：西南財(cái)經(jīng)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

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本文編號(hào)：1727920