【摘要】：商業(yè)銀行授信審批工作一直是銀行風(fēng)險管理的關(guān)鍵決策步驟，需要經(jīng)過長年積累經(jīng)驗得出實際工作的經(jīng)驗值，才能對審批工作給出快速準(zhǔn)確的審批意見。隨著社會經(jīng)濟環(huán)境的快速變化，，金融產(chǎn)品的不斷創(chuàng)新，金融產(chǎn)品的交易規(guī)則設(shè)定越來越復(fù)雜，風(fēng)險管理工作的難度也隨之增加，審批手段及工具需要隨時不斷提高來應(yīng)對新的變化。企業(yè)的財務(wù)數(shù)據(jù)越來越公開化，越來越被商業(yè)銀行所重視。但是，企業(yè)財務(wù)數(shù)據(jù)在審批階段是否起到很重要的作用，是否與審批結(jié)論有著緊密的關(guān)聯(lián)，在貸后監(jiān)控能否起到風(fēng)險控制的效果。這些問題在實際工作中經(jīng)常遇到，并容易因此而受到困惑。本文以某商業(yè)銀行為例比較分析企業(yè)財務(wù)數(shù)據(jù)與審批結(jié)論之間的關(guān)系，并通過分析授信流程及各環(huán)節(jié)使用的分析手段，討論財務(wù)數(shù)據(jù)在審批過程中的重要性，通過統(tǒng)計方法驗證說明商業(yè)銀行審批管理工作系統(tǒng)性及科學(xué)性。
[Abstract]:Credit examination and approval of commercial banks has always been a key decision-making step of bank risk management. It is necessary to accumulate experience for many years to obtain the experience value of actual work in order to give rapid and accurate examination and approval opinions for the examination and approval work. With the rapid change of social and economic environment and the continuous innovation of financial products, the setting of transaction rules for financial products is becoming more and more complex, and the difficulty of risk management is also increasing. Examination and approval means and tools need to be constantly improved to deal with new changes. The financial data of enterprises are becoming more and more open and paid more and more attention by commercial banks. However, whether the enterprise financial data plays a very important role in the examination and approval stage, whether it is closely related to the examination and approval conclusion, and whether the monitoring can play the effect of risk control after loan. These problems are often encountered in practical work and are easily confused. This paper takes a commercial bank as an example to compare and analyze the relationship between enterprise financial data and examination and approval conclusions, and discusses the importance of financial data in the examination and approval process by analyzing the credit process and the analytical means used in each link. Through statistical methods, it is proved that the examination and approval management of commercial banks is systematic and scientific.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4;F275

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本文編號：2482715