PF銀行集團(tuán)客戶信貸風(fēng)險管理問題研究
[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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