本文選題：銀行授信 + 項(xiàng)目風(fēng)險　； 參考：《大連理工大學(xué)》2012年碩士論文

【摘要】：銀行授信業(yè)務(wù)是銀行向企業(yè)客戶提供資金貸款支持,在國民經(jīng)濟(jì)發(fā)展中具有重要的推動作用。授信業(yè)務(wù)的開展面臨著較大風(fēng)險,宏觀環(huán)境、市場環(huán)境和制度環(huán)境等都會對授信業(yè)務(wù)的發(fā)展造成影響。目前,銀行都紛紛出臺了授信風(fēng)險管理的相關(guān)制度,但在實(shí)踐操作中的貫徹與推進(jìn)仍存在較多問題。 本文按照案例論文的寫作思路,文章結(jié)構(gòu)可以概括為提出問題——分析問題——解決問題： 提出問題部分主要在對中行盤錦分行華美授信項(xiàng)目的開展過程研究基礎(chǔ)上進(jìn)行。從華美授信項(xiàng)目的提出,到華美授信項(xiàng)目申報中遇到挫折,再到首次評審報告未通過,除了華美集團(tuán)的原因之外,項(xiàng)目風(fēng)險管理中存在著重要的漏洞,忽視了對管理經(jīng)營風(fēng)險因素、市場預(yù)測與評估、融資需求與還款意愿、融資擔(dān)保能力等重要風(fēng)險因素的考察。 問題分析部分主要從三個方面展開：首先,借助對授信項(xiàng)目風(fēng)險管理的理論基礎(chǔ)的回顧,明確了授信項(xiàng)目風(fēng)險管理的內(nèi)涵、主要內(nèi)容及管理過程；其次,從政策環(huán)境、制度環(huán)境、市場環(huán)境、融資環(huán)境四個方向?qū)θA美授信風(fēng)險問題的產(chǎn)生進(jìn)行了影響研究,闡述分析了對于以上華美授信項(xiàng)目風(fēng)險問題重視的原因和必要性；此外,本文探究了中行盤錦分行對于授信項(xiàng)目風(fēng)險管理的制度規(guī)定,再次為華美授信項(xiàng)目風(fēng)險管理中存在的問題的分析與解決提供了依據(jù)。 問題解決部分不僅為華美授信項(xiàng)目中發(fā)現(xiàn)的風(fēng)險問題提出了針對性的解決方案,還以華美授信項(xiàng)目風(fēng)險管理為基礎(chǔ)提出了管理性優(yōu)化建議。一方面,華美授信風(fēng)險問題的解決從強(qiáng)化治理機(jī)制與發(fā)展戰(zhàn)略分析、強(qiáng)化行業(yè)風(fēng)險與市場發(fā)展分析、強(qiáng)化資金缺口與還款意愿分析、強(qiáng)化融資擔(dān)保綜合評估分析四個方面展開論述；另一方面,從完善授信風(fēng)險管理機(jī)制、優(yōu)化授信風(fēng)險管理組織體系、引進(jìn)高素質(zhì)多技能人才和培養(yǎng)優(yōu)秀的授信風(fēng)險管理文化四個角度對授信項(xiàng)目的風(fēng)險管理提出優(yōu)化策略。 本文的研究取材于實(shí)踐案例,案例中反映的問題是目前授信風(fēng)險管理中較為普遍的。借助理論分析與案例探討,本文給出了針對性的解決方案和優(yōu)化管理措施,不僅進(jìn)一步完善了授信風(fēng)險管理理論,更為重要的是,對于我國銀行授信風(fēng)險管理實(shí)踐提供了有意義的參考與借鑒。
[Abstract]:The bank credit business is the bank provides the capital loan support to the enterprise customer, has the important promotion function in the national economy development.The development of credit business is faced with great risks, such as macro environment, market environment and system environment, all of which have an impact on the development of credit business.At present, banks have introduced the credit risk management system, but in practice there are still many problems in the implementation and promotion.According to the thinking of the case paper, the structure of the article can be summarized as putting forward the problem-analyzing the problem-solving the problem.The part of the question is mainly based on the research on the development process of Bank of China Panjin Branch Huamei Credit Project.From the proposal of the Huamei credit project to the setbacks encountered in the application of the Huamei credit project, and to the failure of the first review report, in addition to the reasons for Huamei Group, there are important loopholes in the project risk management.Some important risk factors, such as management risk factors, market forecast and evaluation, financing demand and repayment willingness, financing guarantee ability, are neglected.First, with the review of the theoretical basis of credit project risk management, the connotation, main content and management process of credit project risk management are clarified. Secondly, from the policy environment, the paper makes clear the connotation, the main content and the management process of the credit project risk management.The system environment, the market environment and the financing environment have carried on the influence research to the Huamei credit risk question, elaborated the analysis to the above Huamei credit project risk question attention reason and the necessity; in addition,This paper probes into the system regulation of risk management of credit project in Bank of China Panjin Branch again provides the basis for the analysis and solution of the problems existing in the risk management of Huamei credit project.In the part of problem solving, not only the risk problem found in Huamei credit project is solved, but also the management optimization suggestion is put forward based on the risk management of Huamei credit project.On the one hand, the solution to the credit risk problem of Huamei is to strengthen the analysis of governance mechanism and development strategy, the analysis of industry risk and market development, and the analysis of fund gap and repayment willingness.On the other hand, from perfecting the credit risk management mechanism, optimizing the credit risk management organization system,From the four angles of introducing high-quality multi-skill talents and cultivating excellent credit risk management culture, the paper puts forward the optimization strategy for risk management of credit projects.The research in this paper is based on practical cases, the problems reflected in the case is relatively common in credit risk management.With the help of theoretical analysis and case study, this paper gives a targeted solution and optimization management measures, which not only further improve the theory of credit risk management, but also more importantly,It provides a meaningful reference for the practice of bank credit risk management in China.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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