【摘要】：在我國(guó)經(jīng)濟(jì)與社會(huì)發(fā)展過程中，商業(yè)銀行的地位舉足輕重，對(duì)國(guó)家的經(jīng)濟(jì)安全和戰(zhàn)略地位的鞏固發(fā)揮著不可替代的作用，商業(yè)銀行在其經(jīng)營(yíng)的過程中，面臨的風(fēng)險(xiǎn)主要有市場(chǎng)風(fēng)險(xiǎn)、授信風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、利率以及操作風(fēng)險(xiǎn)等，其中，最重要的就是授信風(fēng)險(xiǎn)，，各大商業(yè)銀行一直以來都十分關(guān)注授信風(fēng)險(xiǎn)，授信風(fēng)險(xiǎn)已經(jīng)成為阻礙商業(yè)銀行快速健康發(fā)展的關(guān)鍵所在。近年來，隨著集團(tuán)客戶的迅速發(fā)展，集團(tuán)內(nèi)部的關(guān)聯(lián)方交易日趨盛行，導(dǎo)致了利用關(guān)聯(lián)方交易進(jìn)行資金串用、虛假融資、互相擔(dān)保等諸多問題。這對(duì)監(jiān)管機(jī)構(gòu)以及商業(yè)銀行的風(fēng)險(xiǎn)管理工作帶來了巨大的挑戰(zhàn)，對(duì)于諸如工行之類的商業(yè)銀行而言，如何有效地防范與控制集團(tuán)客戶授信風(fēng)險(xiǎn)是一項(xiàng)艱巨的任務(wù)。 中國(guó)工商銀行浙江分行（簡(jiǎn)稱“工行浙江分行”）的信貸業(yè)務(wù)主要是集團(tuán)客戶授信業(yè)務(wù)，由于集團(tuán)客戶授信業(yè)務(wù)具有高度的復(fù)雜性和風(fēng)險(xiǎn)性，因此，從授信的發(fā)起、審核、到融資業(yè)務(wù)的發(fā)放與貸后的管理整個(gè)過程都對(duì)銀行的風(fēng)險(xiǎn)控制提出了新的要求，健全工行浙江分行集團(tuán)客戶授信風(fēng)險(xiǎn)管理體系是十分必要的。 本文以工行浙江分行為研究對(duì)象，在梳理國(guó)內(nèi)外商業(yè)銀行信用風(fēng)險(xiǎn)、集團(tuán)客戶授信風(fēng)險(xiǎn)管理等有關(guān)文獻(xiàn)的基礎(chǔ)上，系統(tǒng)總結(jié)了相關(guān)研究的動(dòng)態(tài)及特點(diǎn)；對(duì)工行浙江分行集團(tuán)客戶授信業(yè)務(wù)現(xiàn)狀、存在的風(fēng)險(xiǎn)及其成因以及工行浙江分行集團(tuán)客戶授信風(fēng)險(xiǎn)管理存在的問題進(jìn)行系統(tǒng)分析，總結(jié)出貸前、貸中和貸后三個(gè)環(huán)節(jié)風(fēng)險(xiǎn)管理存在的問題；從貸前集團(tuán)客戶識(shí)別與選擇、貸中授信評(píng)級(jí)體系和限額管理、貸后信息披露和客戶經(jīng)營(yíng)過程監(jiān)管等三個(gè)方面，優(yōu)化設(shè)計(jì)了集團(tuán)客戶授信風(fēng)險(xiǎn)管理體系；最后從創(chuàng)新授信組織方式、推進(jìn)集團(tuán)客戶管理信息系統(tǒng)建設(shè)、建立銀行間集團(tuán)客戶信息共享管理機(jī)制以及加快集團(tuán)客戶風(fēng)險(xiǎn)管理的團(tuán)隊(duì)建設(shè)等幾個(gè)方面提出風(fēng)險(xiǎn)管理措施。 本文研究可為工行浙江分行集團(tuán)客戶授信風(fēng)險(xiǎn)管理提供理論與管理方法支持，對(duì)于銀行風(fēng)險(xiǎn)管理水平的提升具有重要的促進(jìn)作用。
[Abstract]:In the process of economic and social development in China, commercial banks play an irreplaceable role in the economic security and strategic status of the country. In the process of their operation, commercial banks play an irreplaceable role. The risks are mainly market risk, credit risk, interest rate and operation risk. Among them, the most important risk is credit risk. All commercial banks have been paying close attention to credit risk. Credit risk has become the key to the rapid and healthy development of commercial banks. In recent years, with the rapid development of group customers, related party transactions in the group become more and more popular, resulting in the use of related party transactions for the use of funds, false financing, mutual guarantee and many other problems. For commercial banks such as ICBC, how to effectively prevent and control the risk of group customer credit is a difficult task. The credit business of Industrial and Commercial Bank of China Zhejiang Branch (ICBC Zhejiang Branch) is mainly group customer credit business. Due to the high complexity and risk of group customer credit business, therefore, from the initiation and review of credit, The whole process of financing business issuance and loan management has put forward new requirements for the risk control of banks. It is very necessary to perfect the risk management system of ICBC Zhejiang Branch Group. In this paper, ICBC Zhejiang Branch as the research object, on the basis of combing the domestic and foreign commercial banks credit risk, group customer credit risk management and other related documents, systematically summarized the relevant research trends and characteristics; This paper systematically analyzes the current situation of ICBC Zhejiang Branch Group customer Credit Business, the existing risks and their causes, and the problems existing in ICBC Zhejiang Branch Group customer Credit risk Management. The problems of risk management in the three links of lending and lending, the identification and selection of pre-credit group customers, the credit rating system and quota management in loans, the disclosure of post-credit information and the supervision of customer operation process, etc. The paper optimizes and designs the group customer credit risk management system, and finally promotes the construction of the group customer management information system from the innovation of credit organization. To establish the management mechanism of customer information sharing among banks and to speed up the team building of group customer risk management, the paper puts forward some risk management measures. This paper can provide the theory and management method support for ICBC Zhejiang Branch Group customer credit risk management, and play an important role in promoting the level of bank risk management.
【學(xué)位授予單位】：哈爾濱理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F832.33

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