發(fā)布時(shí)間：2018-04-03 02:11

  本文選題：關(guān)聯(lián)企業(yè)　切入點(diǎn)：信貸風(fēng)險(xiǎn)　出處：《蘇州大學(xué)》2014年碩士論文

【摘要】：隨著經(jīng)濟(jì)的高速發(fā)展，企業(yè)的規(guī)模逐漸變大，它們逐步向縱向一體化和橫向一體化發(fā)展，就出現(xiàn)了不少集團(tuán)性企業(yè)，而且逐步成為各家商業(yè)銀行重點(diǎn)營銷的目標(biāo)客戶，，商業(yè)銀行不斷增加對(duì)此類客戶的信貸投向。關(guān)聯(lián)企業(yè)某種程度上為商業(yè)銀行帶來了較為穩(wěn)定可觀的利潤，但是另一方面也會(huì)帶來較大的風(fēng)險(xiǎn)，加之集團(tuán)客戶的信貸風(fēng)險(xiǎn)具有突發(fā)性、連帶性、擴(kuò)散性等特點(diǎn)，所以給各家商業(yè)銀行帶來了巨大的經(jīng)濟(jì)損失，同時(shí)為商業(yè)銀行的信貸管理和監(jiān)管當(dāng)局的風(fēng)險(xiǎn)監(jiān)管增加了難度。本文試圖結(jié)合集團(tuán)客戶授信風(fēng)險(xiǎn)工作實(shí)際，剖析集團(tuán)客戶授信風(fēng)險(xiǎn)表現(xiàn)及其成因，并結(jié)合目前國內(nèi)的現(xiàn)狀，通過研究學(xué)習(xí)國外銀行的一些先進(jìn)做法，從而找出集團(tuán)客戶風(fēng)險(xiǎn)防范及控制的相應(yīng)對(duì)策和解決方法。
[Abstract]:With the rapid development of economy, the scale of enterprises has gradually become larger, and they have gradually developed to vertical and horizontal integration, and many group enterprises have emerged, and gradually become the target customers of the key marketing of commercial banks.Commercial banks are increasing their credit exposure to such customers.To a certain extent, affiliated enterprises have brought relatively stable and considerable profits to commercial banks, but on the other hand, they will also bring greater risks, and the credit risks of group customers have the characteristics of sudden, joint and diffusive, etc.Therefore, it brings huge economic losses to commercial banks, and increases the difficulty for the credit management of commercial banks and the risk supervision of regulatory authorities.This paper attempts to analyze the performance of group customer credit risk and its causes, and study some advanced practices of foreign banks through studying the current domestic situation, combining with the actual situation of the group customer credit risk work, and analyzing the causes of the group customer credit risk performance.To find out the group customer risk prevention and control of the corresponding countermeasures and solutions.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前5條

1 王憲全;試論商業(yè)銀行貸款過程中的信息不對(duì)稱問題[J];金融論壇;2003年03期

2 馮雪琰;;防范關(guān)聯(lián)企業(yè)信貸風(fēng)險(xiǎn)的若干思考[J];管理科學(xué)文摘;2006年04期

3 翟光偉;;集團(tuán)客戶風(fēng)險(xiǎn)淺析與對(duì)策建議[J];時(shí)代經(jīng)貿(mào)(中旬刊);2007年S5期

4 王潔,劉榮;商業(yè)銀行集團(tuán)客戶貸款風(fēng)險(xiǎn)探析[J];中國城市金融;2004年12期

5 魏國雄;銀行要切實(shí)防范關(guān)聯(lián)企業(yè)信貸風(fēng)險(xiǎn)[J];中國金融;2004年13期

本文編號(hào)：1703148