PF銀行集團(tuán)客戶信貸風(fēng)險管理問題研究
發(fā)布時間：2018-11-18 17:08
【摘要】：目前集團(tuán)客戶的信貸風(fēng)險管理已成為商業(yè)銀行的熱點(diǎn)和難點(diǎn)問題,但國內(nèi)銀行在這方面的研究尚處于起步階段,管理的手段和措施尚有待進(jìn)一步的完善。本文僅以一個商業(yè)銀行從業(yè)人員的身份從加強(qiáng)PF銀行信貸管理的角度對這一問題進(jìn)行了探索,試圖為PF銀行信貸業(yè)的風(fēng)險防范提供一個指導(dǎo)的框架。 首先,本文總結(jié)了國內(nèi)外文獻(xiàn)對于集團(tuán)客戶信貸風(fēng)險的研究現(xiàn)狀,提出本文的研究對象及其研究意義,并闡述了文章的研究思路、研究方式和方法。接著,文章從闡述商業(yè)銀行集團(tuán)客戶理論基礎(chǔ)開始著手,分別從商業(yè)銀行集團(tuán)客戶信貸風(fēng)險管理的動因、影響集團(tuán)客戶信貸風(fēng)險管理的一般因素以及信貸風(fēng)險管理的效應(yīng)三個方面進(jìn)行分析,通過理論基礎(chǔ)分析,表明商業(yè)銀行集團(tuán)客戶信貸風(fēng)險管理的必要性和重要性。 在此基礎(chǔ)上,進(jìn)入到對PF銀行的個性分析階段,首先是從PF銀行信貸風(fēng)險管理的現(xiàn)狀進(jìn)行分析,包括PF銀行集團(tuán)客戶風(fēng)險的表現(xiàn)類型、集團(tuán)客戶的信貸風(fēng)險現(xiàn)狀以及PF銀行對于集團(tuán)客戶信貸管理的原則和流程；其次從上文的分析中提煉出PF銀行集團(tuán)客戶信貸管理存在的問題,主要是貸前風(fēng)險識別不完善、貸前風(fēng)險計量技術(shù)落后、貸后風(fēng)險控制欠缺等問題,并針對這三個方面的問題逐一分析其成因。最后,文章還對國外銀行集團(tuán)客戶信貸風(fēng)險管理進(jìn)行實(shí)踐考察,并總結(jié)了加拿大皇家銀行、花旗銀行、匯豐銀行等三家國際著名銀行的管理經(jīng)驗(yàn),在借鑒國外銀行風(fēng)險管理經(jīng)驗(yàn)在此基礎(chǔ)上闡述了PF銀行集團(tuán)客戶信貸風(fēng)險的表現(xiàn)類型、風(fēng)險現(xiàn)狀和PF銀行商業(yè)銀行信貸風(fēng)險管理的現(xiàn)狀,著重描述了商業(yè)銀行對于集團(tuán)客戶信貸風(fēng)險管理的流程,并具體分析了商業(yè)銀行集團(tuán)客戶信貸風(fēng)險管理存在的問題和原因。 最后,在上文分析的基礎(chǔ)上,借鑒了國外銀行對于集團(tuán)客戶信貸管理的經(jīng)驗(yàn),提出了完善PF銀行集團(tuán)客戶信貸管理的措施,切實(shí)防范集團(tuán)客戶的信貸風(fēng)險。
[Abstract]:At present, the credit risk management of group customers has become a hot and difficult problem in commercial banks, but the research on this aspect of domestic banks is still in its infancy, and the means and measures of management need to be further improved. This paper, as a commercial bank employee, explores this problem from the angle of strengthening the credit management of PF bank, and tries to provide a guiding framework for the risk prevention of PF bank credit industry. First of all, this paper summarizes the domestic and foreign literature on the group customer credit risk research status, puts forward the research object and significance of this paper, and describes the research ideas, research methods and methods. Then, the paper begins with the theoretical basis of the commercial bank group customer, respectively from the commercial bank group customer credit risk management motivation, This paper analyzes the general factors affecting group customer credit risk management and the effect of credit risk management. Through theoretical analysis, it shows the necessity and importance of group customer credit risk management in commercial banks. On this basis, into the stage of personality analysis of PF bank, the first is to analyze the current situation of credit risk management of PF bank, including the performance type of customer risk of PF bank group. The current situation of credit risk of group customers and the principles and procedures of PF bank's credit management for group customers; Secondly, the problems in customer credit management of PF Bank Group are abstracted from the above analysis, such as imperfect pre-credit risk identification, backward pre-credit risk measurement technology, lack of post-credit risk control and so on. And in view of these three aspects of the problem one by one analysis of the causes. Finally, the paper also makes a practical investigation on customer credit risk management of foreign banking groups, and summarizes the management experience of three internationally famous banks, including Royal Bank of Canada, Citibank and HSBC. On the basis of drawing lessons from foreign bank risk management experience, this paper expounds the expression types of customer credit risk of PF bank group, the present situation of risk and the present situation of credit risk management of PF bank commercial bank. This paper mainly describes the process of credit risk management for group customers in commercial banks, and analyzes the problems and causes of credit risk management for group customers in commercial banks. Finally, on the basis of the above analysis, this paper draws lessons from the experience of foreign banks in the management of group customer credit, and puts forward some measures to improve the credit management of PF bank group, and to effectively prevent the credit risk of group customers.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4
本文編號：2340615
[Abstract]:At present, the credit risk management of group customers has become a hot and difficult problem in commercial banks, but the research on this aspect of domestic banks is still in its infancy, and the means and measures of management need to be further improved. This paper, as a commercial bank employee, explores this problem from the angle of strengthening the credit management of PF bank, and tries to provide a guiding framework for the risk prevention of PF bank credit industry. First of all, this paper summarizes the domestic and foreign literature on the group customer credit risk research status, puts forward the research object and significance of this paper, and describes the research ideas, research methods and methods. Then, the paper begins with the theoretical basis of the commercial bank group customer, respectively from the commercial bank group customer credit risk management motivation, This paper analyzes the general factors affecting group customer credit risk management and the effect of credit risk management. Through theoretical analysis, it shows the necessity and importance of group customer credit risk management in commercial banks. On this basis, into the stage of personality analysis of PF bank, the first is to analyze the current situation of credit risk management of PF bank, including the performance type of customer risk of PF bank group. The current situation of credit risk of group customers and the principles and procedures of PF bank's credit management for group customers; Secondly, the problems in customer credit management of PF Bank Group are abstracted from the above analysis, such as imperfect pre-credit risk identification, backward pre-credit risk measurement technology, lack of post-credit risk control and so on. And in view of these three aspects of the problem one by one analysis of the causes. Finally, the paper also makes a practical investigation on customer credit risk management of foreign banking groups, and summarizes the management experience of three internationally famous banks, including Royal Bank of Canada, Citibank and HSBC. On the basis of drawing lessons from foreign bank risk management experience, this paper expounds the expression types of customer credit risk of PF bank group, the present situation of risk and the present situation of credit risk management of PF bank commercial bank. This paper mainly describes the process of credit risk management for group customers in commercial banks, and analyzes the problems and causes of credit risk management for group customers in commercial banks. Finally, on the basis of the above analysis, this paper draws lessons from the experience of foreign banks in the management of group customer credit, and puts forward some measures to improve the credit management of PF bank group, and to effectively prevent the credit risk of group customers.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4
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