本文選題：ZX銀行 + 信貸管理�。� 參考：《遼寧大學》2012年碩士論文

【摘要】：信貸業(yè)務對于我國商業(yè)銀行的經(jīng)營發(fā)展起到至關重要的作用,商業(yè)銀行的收入有一半以上是通過貸款利息收入實現(xiàn)的。同時,在于貸款客戶溝通過程中,加深了銀行與客戶之間的聯(lián)系,幫助于銀行在其他業(yè)務方面得以拓展,提高銀行的競爭力。信貸業(yè)務對于銀行的綜合貢獻度如此之大,提高信貸資產的質量降低信貸風險更是重中之重。然而,影響信貸質量的因素也有很多,既有外部因素的影響也有銀行自身的原因。銀行為實現(xiàn)其經(jīng)濟效益目標健康穩(wěn)定發(fā)展,加強信貸管理是極其必要也是至關重要的手段。 本文從銀行的角度,結合本人的實際工作,對ZX銀行信貸的管理現(xiàn)狀進行了分析研究。第一,闡述了選題的背景和意義并案例進行了描述。第二,介紹了信貸管理中涉及的相關的理論,提出了問題研究的必要性。第三,重點對ZX銀行信貸風險的成因及管控現(xiàn)狀進行了分析研究。最后運用定量分析與定性分析相結合、綜合分析、理論聯(lián)系實際等研究方法,提出了優(yōu)化信貸風險管控的對策和建議。 隨著現(xiàn)在銀行業(yè)市場競爭的日趨激烈和信貸業(yè)務的不斷發(fā)展,ZX銀行現(xiàn)行信貸管理體制不能完全適應當前信貸業(yè)務發(fā)展實際,提高風險管理能力完善現(xiàn)有的信貸管理體制是十分必要的。本文結合ZX銀行信貸管理現(xiàn)狀,希望通過對ZX銀行存在問題和對策的研究,為ZX銀行信貸體制、風險體制的進一步優(yōu)化改造實踐和ZX銀行信貸管理水平的提高提供有參考價值的對策和建議。
[Abstract]:Credit business plays a vital role in the management and development of commercial banks in China. More than half of the income of commercial banks is realized through interest income on loans. At the same time, in the process of loan customer communication, it deepens the relationship between banks and customers, helps banks to expand in other aspects of business, and improves the competitiveness of banks. The comprehensive contribution of credit business to banks is so great that it is important to improve the quality of credit assets and reduce credit risk. However, there are many factors affecting credit quality, both external factors and banks themselves. In order to realize the healthy and stable development of economic benefits, it is necessary and important for banks to strengthen credit management. In this paper, from the perspective of the bank, combined with my actual work, ZX bank credit management status is analyzed and studied. First, the background and significance of the topic are expounded and the case is described. Secondly, it introduces the related theories in credit management, and points out the necessity of research. Thirdly, it analyzes the causes of credit risk and the current situation of management and control in ZX Bank. Finally, by combining quantitative analysis with qualitative analysis, comprehensive analysis, combining theory with practice and other research methods, this paper puts forward some countermeasures and suggestions for optimizing credit risk management. With the increasingly fierce competition in the banking market and the continuous development of credit business, the current credit management system of ZX Bank can not fully adapt to the actual development of current credit business. It is necessary to improve the risk management ability and improve the existing credit management system. According to the present situation of credit management in ZX Bank, this paper hopes to study the existing problems and countermeasures of ZX Bank, so as to study the credit system of ZX Bank. The practice of further optimization and reform of risk system and the improvement of credit management level of ZX Bank provide valuable countermeasures and suggestions.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.33

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