【摘要】：我國商業(yè)銀行最主要的業(yè)務(wù)是信貸業(yè)務(wù),信貸資金的投向是否合理高效決定了商業(yè)銀行信貸業(yè)務(wù)能否健康平穩(wěn)發(fā)展。商業(yè)銀行的經(jīng)營原則要求其在追求利益的同時,還要保證信貸資產(chǎn)的安全性和流動性,信貸資源的過度集中,使得信貸結(jié)構(gòu)不平衡,導(dǎo)致信貸資金出現(xiàn)風險隱患。因此,不斷優(yōu)化信貸結(jié)構(gòu),合理分配信貸資源是目前我國商業(yè)銀行必須面臨的一個問題。宏觀經(jīng)濟因素決定必須調(diào)整信貸結(jié)構(gòu),同時,調(diào)整信貸結(jié)構(gòu)也是是我國商業(yè)銀行自身經(jīng)營發(fā)展的客觀需要。隨著社會經(jīng)濟的不斷發(fā)展,商業(yè)銀行的信貸經(jīng)營環(huán)境和經(jīng)營方針也在不斷發(fā)生變化,因此,主動從低效信貸市場進入高效信貸市場,逐步優(yōu)化信貸結(jié)構(gòu),從主觀上把信貸風險控制在源頭,以適應(yīng)目前的經(jīng)濟形勢下,從而促進商業(yè)銀行信貸業(yè)務(wù)的發(fā)展,使我國商業(yè)銀行可持續(xù)發(fā)展。 合理、有效的信貸結(jié)構(gòu)可以在一定程度上防范和控制信貸風險的發(fā)生,從而使信貸資產(chǎn)的質(zhì)量提高,使銀行的經(jīng)營效益增加。因此,優(yōu)化信貸結(jié)構(gòu)是商業(yè)銀行提高資產(chǎn)質(zhì)量、增加收益的必經(jīng)之路,也是各商業(yè)銀行為了在激烈的銀行業(yè)競爭中能有一席之地而進行的重要措施,只有這樣,各商業(yè)銀行才能快速、穩(wěn)健的發(fā)展。從中國工商銀行的現(xiàn)狀看,信貸資源過度集中在部分行業(yè)、部分領(lǐng)域,部分高端客戶使得信貸結(jié)構(gòu)局部失衡,形成潛在的或現(xiàn)實的結(jié)構(gòu)性信貸風險。這些信貸風險實質(zhì)上是對信貸結(jié)構(gòu)管理認識不足所導(dǎo)致的。本論文將通過對信貸資金結(jié)構(gòu)的現(xiàn)狀及其發(fā)展進行研究,分析出現(xiàn)階段中國工商銀行內(nèi)蒙分行營業(yè)部信貸結(jié)構(gòu)存在的問題,并針對這些問題提出一些建議。由表及里,由小見大,通過對中國工商銀行內(nèi)蒙分行營業(yè)部信貸結(jié)構(gòu)的分析和研究,有助于我們對中國的信貸資金結(jié)構(gòu)狀況有一個全面、深入地認識,同時對我國商業(yè)銀行的信貸業(yè)務(wù)有一個更加深入地了解。
[Abstract]:The most important business of commercial banks in China is credit business. Whether the investment of credit funds is reasonable and efficient determines whether the credit business of commercial banks can develop healthily and smoothly. The management principle of commercial banks requires that while pursuing benefits, they should also ensure the security and liquidity of credit assets and the excessive concentration of credit resources, which make the credit structure unbalanced and lead to the risk risks of credit funds. Therefore, to optimize the credit structure and allocate credit resources rationally is a problem that our commercial banks must face. Macroeconomic factors determine that the credit structure must be adjusted, and at the same time, the adjustment of the credit structure is also the objective need of the development of commercial banks in our country. With the development of social economy, the credit management environment and management policy of commercial banks are constantly changing. Therefore, we should take the initiative from inefficient credit market to efficient credit market, and gradually optimize the credit structure. In order to adapt to the current economic situation, we can control the credit risk at the source subjectively, thus promote the development of the credit business of the commercial bank and make the commercial bank of our country develop sustainably. A reasonable and effective credit structure can prevent and control the occurrence of credit risk to a certain extent, so as to improve the quality of credit assets and increase the operating efficiency of banks. Therefore, optimizing credit structure is the only way for commercial banks to improve asset quality and increase returns, and is also an important measure for commercial banks to have a place in the fierce banking competition. Each commercial bank can develop quickly and steadily. From the current situation of Industrial and Commercial Bank of China, credit resources are excessively concentrated in some industries, some areas, some high-end customers make the credit structure partial imbalance, forming potential or real structural credit risk. These credit risks are essentially caused by insufficient understanding of credit structure management. Through the research on the present situation and development of the credit fund structure, this paper analyzes the problems existing in the credit structure of the Inner Mongolia branch of ICBC and puts forward some suggestions for these problems. From outside to inside, from small to small, through the analysis and study of the credit structure of the Inner Mongolia branch of the Industrial and Commercial Bank of China, it is helpful for us to have a comprehensive and in-depth understanding of the structure of credit funds in China. At the same time, there is a deeper understanding of the credit business of commercial banks in China.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.33

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