本文選題：內部控制 + 信用風險管理��； 參考：《吉林大學》2012年碩士論文

【摘要】：隨著我國通貨膨脹水平的升高和貨幣緊縮政策的深入落實，我國銀行業(yè)的貨幣供應量壓力不斷吃緊，企業(yè)融資難度增加，資金鏈斷裂風險逐漸加大，全國整體經濟下行趨勢逐漸顯現(xiàn)。在此復雜的情況下，中國的商業(yè)銀行風險控制工作更顯得尤為重要，管控工作能否經受住考驗，這將是一個嚴峻的挑戰(zhàn)。 上海浦東發(fā)展銀行股份有限公司沈陽分行（以下簡稱“浦發(fā)沈陽分行”）是金融系統(tǒng)中最為活躍的中小型商業(yè)銀行之一，多年來為促進沈陽市地區(qū)的經濟發(fā)展作出了重要貢獻。該分行經過近幾年的改革和發(fā)展，在公司信用風險內部控制和體系建設等方面做了大量的工作，積累了一定的管理經驗。本文以我國目前貨幣緊縮政策背景下客戶信用違約風險為切入點，以浦發(fā)銀行沈陽分行的公司客戶信用風險內部控制和體系建設工作為研究對象，從微觀技術與測量和宏觀環(huán)境與管理等方面入手，詳細闡述公司客戶信用風險內部控制體系的特點以及組織架構和內部控制體系評價流程，綜合分析公司客戶信用風險內部控制存在的問題和原因以及管控的難點盲點，著重分析該銀行在公司客戶信用風險控制及化解環(huán)節(jié)的現(xiàn)狀，，闡述內部管控工作的漏洞和不足，對完善公司客戶信用風險內部控制體系事宜提出策略建議。 本文研究的主要內容有：第一部分是對論文的選題背景及研究意義進行總體闡述。第二部分是浦發(fā)銀行沈陽分行公司客戶信用風險的內部控制現(xiàn)狀、特點以及組織架構和內控體系評價流程分析。第三部分是浦發(fā)銀行沈陽分行公司客戶信用風險內部控制存在的問題及原因分析。第四部分是對浦發(fā)銀行沈陽分行對完善公司客戶信用風險內部控制措施分析。 本文在以上分析的基礎之上提出以了“保增長、防風險”的風險管理目標，一是提高產品維度管理，健全和完善全面信用風險內部控制體系。二是把握授信行業(yè)投向，選擇符合國家產業(yè)結構調整政策的企業(yè)。三是順應形勢，適時調整風險偏好策略。同時本文針對該分行的資金監(jiān)控機制、風險管理信息系統(tǒng)建設、風險管理文化、人力資源發(fā)展規(guī)劃等問題提出了策略建議。以期能夠幫助浦發(fā)銀行沈陽分行在當前復雜的形勢下，加快和提高公司客戶信用風險管控水平，更好的抵御各個行業(yè)企業(yè)的信用違約風險，繼續(xù)保持健康、穩(wěn)健的經營發(fā)展態(tài)勢，同時為其他同類股份制商業(yè)銀行的信用風險管控工作提供借鑒和幫助。
[Abstract]:With the rise of inflation level and the deep implementation of monetary tightening policy, the pressure of money supply in China's banking industry is constantly tight, the difficulty of enterprise financing is increasing, and the risk of capital chain break is gradually increasing. The national overall economic downward trend gradually appears. Under such complicated circumstances, the risk control work of commercial banks in China is all the more important. Can the management and control work stand the test? This will be a serious challenge. Shanghai Pudong Development Bank Co., Ltd. Shenyang Branch (hereinafter referred to as "Pufa Shenyang Branch") is one of the most active small and medium-sized commercial banks in the financial system. Over the years to promote the economic development of Shenyang region has made important contributions. After the reform and development in recent years, the branch has done a lot of work in the internal control of the company's credit risk and system construction, and accumulated certain management experience. This paper takes the risk of customer credit default in the context of China's current monetary tightening policy as the starting point, taking the internal control and system construction of customer credit risk of Shanghai Branch of Pudong Development Bank as the research object. Starting with micro technology and measurement, macroscopical environment and management, the characteristics of the internal control system of customer credit risk, the organization structure and the evaluation process of the internal control system are described in detail. This paper comprehensively analyzes the problems and causes of the internal control of the company's customer credit risk, as well as the difficulties and blind spots of the management and control, emphatically analyzes the current situation of the bank in the control and solution of the company's customer credit risk, and expounds the loopholes and shortcomings of the internal control work. The main contents of this paper are as follows: the first part is the overall elaboration of the background and significance of this paper. The second part is the analysis of the internal control status, characteristics, organization structure and internal control system evaluation process of customer credit risk in Shenyang Branch of Pudong Development Bank. The third part is the internal control of customer credit risk and its causes. The fourth part is the analysis of the internal control measures of the customer credit risk in the Shenyang Branch of Pudong Development Bank. Based on the above analysis, this paper puts forward the risk management goal of "protecting growth and preventing risk". First, improve the product dimension management, improve and improve the overall credit risk internal control system. Second, grasp the investment of credit industry, and select enterprises in line with the national industrial structure adjustment policy. Third, adapt to the situation, timely adjust risk preference strategy. At the same time, this paper puts forward some suggestions on the fund monitoring mechanism, risk management information system construction, risk management culture, human resource development planning and so on. In order to help the Shenyang Branch of Pudong Development Bank to speed up and improve the level of credit risk control of the company's customers under the current complex situation, to better resist the credit default risk of various industries and enterprises, and to continue to maintain health, The steady development trend of management provides reference and help for the credit risk control of other similar joint-stock commercial banks.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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