本文關(guān)鍵詞：菏澤農(nóng)商銀行信貸項(xiàng)目風(fēng)險(xiǎn)管理研究　出處：《青島大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 信貸風(fēng)險(xiǎn) 風(fēng)險(xiǎn)識(shí)別 風(fēng)險(xiǎn)度量

【摘要】：隨著我國(guó)經(jīng)濟(jì)的快速發(fā)展,我國(guó)的金融機(jī)構(gòu)也迎來(lái)了國(guó)際金融機(jī)構(gòu)的激烈競(jìng)爭(zhēng)。商業(yè)銀行最為主要的業(yè)務(wù)就是信貸資產(chǎn)業(yè)務(wù),但是在獲取高額利潤(rùn)的同時(shí)也面臨著較高的信貸風(fēng)險(xiǎn)。所以在當(dāng)前的經(jīng)濟(jì)形勢(shì)下,怎樣進(jìn)一步使得商業(yè)銀行的抵御風(fēng)險(xiǎn)和預(yù)防風(fēng)險(xiǎn)的能力得到提高,對(duì)于商業(yè)銀行的信貸風(fēng)險(xiǎn)管理的相關(guān)內(nèi)容進(jìn)行分析研究,從而提高經(jīng)濟(jì)效益,深具現(xiàn)實(shí)意義。本論文立足于菏澤市農(nóng)商銀行,采取實(shí)證驗(yàn)證的方式提出了內(nèi)部評(píng)級(jí)法,對(duì)信貸風(fēng)險(xiǎn)進(jìn)行管理,從而提高抵御風(fēng)險(xiǎn)的目的。本論文的第一章是引言,主要闡述了研究的背景與意義以及研究的思路與方法;第二章介紹了有關(guān)信貸風(fēng)險(xiǎn)管理的基本理論;第三章對(duì)菏澤農(nóng)商銀行的信貸風(fēng)險(xiǎn)進(jìn)行了識(shí)別;第四章基于信用風(fēng)險(xiǎn)Credit Risk+模型對(duì)菏澤農(nóng)商銀行信貸風(fēng)險(xiǎn)度量;第五章對(duì)菏澤農(nóng)商銀行信貸風(fēng)險(xiǎn)防范提出對(duì)策。該篇論文不僅對(duì)理論進(jìn)行了闡述,還將實(shí)際與之結(jié)合,采取小微企業(yè)的貸款相關(guān)數(shù)據(jù)作為樣本進(jìn)行內(nèi)部評(píng)級(jí)分析,深入分析出菏澤市農(nóng)村商業(yè)銀行在信貸資產(chǎn)管理中所存在的諸多問(wèn)題,在此基礎(chǔ)上提出行之有效的信貸風(fēng)險(xiǎn)管理對(duì)策,從而為當(dāng)?shù)氐霓r(nóng)村信用社的體制改革與長(zhǎng)遠(yuǎn)發(fā)展提供出大體思路,進(jìn)而為農(nóng)村金融體制改革提供借鑒性意見(jiàn)。
[Abstract]:With the rapid development of our economy, our financial institutions have also welcomed the fierce competition of international financial institutions. The most important business of commercial banks is the business of credit assets. But at the same time, it faces high credit risk, so in the current economic situation, how to further enhance the ability of commercial banks to resist and prevent risks. This paper is based on the Heze Agricultural and Commercial Bank of Heze City based on the analysis and study of the relevant contents of the credit risk management of commercial banks in order to improve the economic benefits and have deep practical significance. In order to improve the purpose of resisting credit risk, the internal rating method is put forward in the way of empirical verification. The first chapter of this paper is the introduction. The background and significance of the research, as well as the ideas and methods of the research are expounded. The second chapter introduces the basic theory of credit risk management. The third chapter identifies the credit risk of Heze Agricultural and Commercial Bank. Chapter 4th measures the credit risk of Heze Agricultural Commercial Bank based on the credit risk Credit Risk model; Chapter 5th puts forward the countermeasures to prevent the credit risk of Heze Agricultural and Commercial Bank. This paper not only expounds the theory, but also combines the practice with it. Taking the loan related data of small and micro enterprises as the sample to carry on the internal rating analysis, this paper deeply analyzes the many problems existing in the credit asset management of the rural commercial banks in Heze city. On this basis, the author puts forward some effective countermeasures of credit risk management, which can provide general ideas for the system reform and long-term development of the local rural credit cooperatives, and then provide reference suggestions for the reform of the rural financial system.
【學(xué)位授予單位】：青島大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

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