工商銀行浙江分行集團客戶授信風(fēng)險管理研究
發(fā)布時間：2018-08-28 15:27
【摘要】：在我國經(jīng)濟與社會發(fā)展過程中，商業(yè)銀行的地位舉足輕重，對國家的經(jīng)濟安全和戰(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)營的過程中，面臨的風(fēng)險主要有市場風(fēng)險、授信風(fēng)險、信用風(fēng)險、利率以及操作風(fēng)險等，其中，最重要的就是授信風(fēng)險，，各大商業(yè)銀行一直以來都十分關(guān)注授信風(fēng)險，授信風(fēng)險已經(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，隨著集團客戶的迅速發(fā)展，集團內(nèi)部的關(guān)聯(lián)方交易日趨盛行，導(dǎo)致了利用關(guān)聯(lián)方交易進行資金串用、虛假融資、互相擔(dān)保等諸多問題。這對監(jiān)管機構(gòu)以及商業(yè)銀行的風(fēng)險管理工作帶來了巨大的挑戰(zhàn)，對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客戶授信風(fēng)險是一項艱巨的任務(wù)。 中國工商銀行浙江分行（簡稱“工行浙江分行”）的信貸業(yè)務(wù)主要是集團客戶授信業(yè)務(wù)，由于集團客戶授信業(yè)務(wù)具有高度的復(fù)雜性和風(fēng)險性，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過程都對銀行的風(fēng)險控制提出了新的要求，健全工行浙江分行集團客戶授信風(fēng)險管理體系是十分必要的。 本文以工行浙江分行為研究對象，在梳理國內(nèi)外商業(yè)銀行信用風(fēng)險、集團客戶授信風(fēng)險管理等有關(guān)文獻的基礎(chǔ)上，系統(tǒng)總結(jié)了相關(guān)研究的動態(tài)及特點；對工行浙江分行集團客戶授信業(yè)務(wù)現(xiàn)狀、存在的風(fēng)險及其成因以及工行浙江分行集團客戶授信風(fēng)險管理存在的問題進行系統(tǒng)分析，總結(jié)出貸前、貸中和貸后三個環(huán)節(jié)風(fēng)險管理存在的問題；從貸前集團客戶識別與選擇、貸中授信評級體系和限額管理、貸后信息披露和客戶經(jīng)營過程監(jiān)管等三個方面，優(yōu)化設(shè)計了集團客戶授信風(fēng)險管理體系；最后從創(chuàng)新授信組織方式、推進集團客戶管理信息系統(tǒng)建設(shè)、建立銀行間集團客戶信息共享管理機制以及加快集團客戶風(fēng)險管理的團隊建設(shè)等幾個方面提出風(fēng)險管理措施。 本文研究可為工行浙江分行集團客戶授信風(fēng)險管理提供理論與管理方法支持，對于銀行風(fēng)險管理水平的提升具有重要的促進作用。
[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)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F832.33
本文編號：2209818
[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)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F832.33
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