濟寧銀行信貸文化的建立及其發(fā)展探討
發(fā)布時間：2018-10-17 10:23
【摘要】：城市商業(yè)銀行（Urban commercial banks）作為中國銀行業(yè)一個年輕的特殊群體，歷經坎坷，基本實現了由可生存向可持續(xù)發(fā)展的重大轉變，逐漸成長為銀行體系中最具活力和競爭力的群體，，其社會地位和作用日益顯現和提升。而信貸業(yè)務作為商業(yè)銀行最傳統的、最核心的、最賦競爭力的業(yè)務之一，風險管理一直是其生命線。雖然城市商業(yè)銀行已經意識到信貸風險管理的重要性，但由于歷史和體制的原因，尚未形成具有自身特色的信貸文化，風險管理文化建設相對國有銀行和全國型股份制商業(yè)銀行明顯滯后，如何培育適應城市商業(yè)銀行發(fā)展的、具有城市商業(yè)銀行特色的風險管理文化已經成為擺在各家城市商業(yè)銀行面前必須重視的一個大問題。本文運用企業(yè)文化和管理學的理論，通過分析信貸風險管理文化的建立、內涵和作用，提出了構建城市商業(yè)銀行信貸風險管理文化的理念，希望能夠有助于促進城市商業(yè)銀行這一特殊群體風險管理體系的高效運行，幫助其更好地適應市場經濟的發(fā)展，提高市場競爭力。
[Abstract]:As a young and special group in China's banking industry, Urban Commercial Bank (Urban commercial banks) has basically realized the major transformation from survival to sustainable development, and has gradually grown into the most dynamic and competitive group in the banking system. Its social status and role are increasingly apparent and promoted. As one of the most traditional, core and competitive business of commercial banks, risk management has always been its lifeline. Although city commercial banks have realized the importance of credit risk management, due to historical and institutional reasons, they have not yet formed a credit culture with their own characteristics. Compared with state-owned banks and national joint-stock commercial banks, the construction of risk management culture is obviously lagging behind. How to cultivate and adapt to the development of urban commercial banks, The risk management culture with the characteristics of city commercial banks has become a big problem which must be paid attention to in front of each city commercial bank. By analyzing the establishment, connotation and function of credit risk management culture, this paper puts forward the idea of constructing credit risk management culture of city commercial bank by using the theory of enterprise culture and management. It is hoped that it can help to promote the efficient operation of the special group risk management system of the city commercial bank, help it better adapt to the development of the market economy and improve the market competitiveness.
【學位授予單位】：天津大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4
本文編號：2276353
[Abstract]:As a young and special group in China's banking industry, Urban Commercial Bank (Urban commercial banks) has basically realized the major transformation from survival to sustainable development, and has gradually grown into the most dynamic and competitive group in the banking system. Its social status and role are increasingly apparent and promoted. As one of the most traditional, core and competitive business of commercial banks, risk management has always been its lifeline. Although city commercial banks have realized the importance of credit risk management, due to historical and institutional reasons, they have not yet formed a credit culture with their own characteristics. Compared with state-owned banks and national joint-stock commercial banks, the construction of risk management culture is obviously lagging behind. How to cultivate and adapt to the development of urban commercial banks, The risk management culture with the characteristics of city commercial banks has become a big problem which must be paid attention to in front of each city commercial bank. By analyzing the establishment, connotation and function of credit risk management culture, this paper puts forward the idea of constructing credit risk management culture of city commercial bank by using the theory of enterprise culture and management. It is hoped that it can help to promote the efficient operation of the special group risk management system of the city commercial bank, help it better adapt to the development of the market economy and improve the market competitiveness.
【學位授予單位】：天津大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4
【參考文獻】
相關期刊論文 前10條
1 高同裕;試論先進的信貸文化的內涵[J];南方金融;2003年09期
2 董華;;談如何樹立正確的風險管理理念[J];經營管理者;2010年13期
3 呂治水;黃濱;;我國企業(yè)文化建設研究[J];經濟師;2006年02期
4 袁天舒;;積極培育信貸風險文化發(fā)展的良好環(huán)境[J];現代金融;2006年10期
5 張新霞;;建設信貸合規(guī)文化 促進業(yè)務有效發(fā)展[J];現代金融;2007年04期
6 范震;;對當前銀行信貸風險的認識及思考[J];經濟師;2011年03期
7 全貴松 ,王濤;信貸文化的轉型[J];農村金融研究;2004年01期
8 袁天舒;;如何加強信貸風險文化建設[J];現代金融;2007年06期
9 王佳濤;;農發(fā)行信貸文化的內涵及踐行建議[J];農業(yè)發(fā)展與金融;2010年11期
10 劉奔騰;陶建華;;推進信貸文化建設要樹立“四種理念”[J];農業(yè)發(fā)展與金融;2010年12期
本文編號：2276353
本文鏈接：http://sikaile.net/guanlilunwen/huobilw/2276353.html
