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  本文關鍵詞：ZZ農商銀行個人信貸項目風險管理研究　出處：《青島大學》2017年碩士論文　論文類型：學位論文

  更多相關文章： 個人信貸項目 風險管理 模糊綜合評價法

【摘要】：近幾年我國經濟發(fā)展進入“新常態(tài)”,金融市場競爭日趨激烈。作為隸屬于山東省農村信用社聯合社的ZZ農商銀行要在縣域范圍內保持發(fā)展的活力,必須在支農、支小的主線上與時俱進、開拓創(chuàng)新,切實部署開展好信貸項目,并將個人信貸項目打造成ZZ農商銀行的核心競爭產品。現如今金融機構的存貸利差都在不斷收窄,銀行利潤在逐漸減少。而且目前為經濟下行期,ZZ農商銀行有效的貸款需求不足,高質量的客戶資源逐漸減少,不良貸款的反彈形勢日益嚴重,銀行遇到的風險種類不斷增加、風險情形更加多種多樣,風險管理的難度日益加大。信貸風險管理是ZZ農商銀行風險管理的一個重要組成部分,它在整個信貸業(yè)務過程中都是必不可少的,貫穿于貸款的事前、事中及事后一系列工作,具體來講可概括為貸款調查、貸款審查、貸款發(fā)放、貸后管理以及貸款收回這五大關鍵環(huán)節(jié)。而個人信貸業(yè)務又是ZZ農商銀行貸款業(yè)務的主要組成部分,因此個人信貸項目風險管理的有效性就成為了ZZ農商銀行實現可持續(xù)發(fā)展的重要保障,也對ZZ農商銀行今后更好的服務農業(yè)、農民及農村經濟,促進區(qū)域經濟的發(fā)展,履行銀行的社會責任起到舉足輕重的作用。論文通過論述項目風險管理的相關理論,采用文獻研究、案例分析等方法,對ZZ農商銀行個人信貸項目風險管理現狀及問題進行了分析。在此基礎上,構建了由家庭基本情況、聲譽及資信狀況、貸款用途及市場前景、擔保情況、資產負債及經營收支狀況等因素組成的個人信貸項目風險評價指標體系。運用基于模糊數學原理的模糊綜合評價法,以識別出的所有信貸項目風險因素為評價對象,設置相應的風險因素權重,衡量出各個信貸項目風險因素的具體風險;并對信貸項目風險類型進行風險等級的確定,從而得出信貸項目的總風險。并結合貸款案例進行了分析驗證,最后提出了個人信貸項目風險應對措施。論文建立了一種基于模糊綜合評價法的個人信貸項目風險評價模型,度量了個人信貸項目存在的風險大小,并對其有效性進行了實例驗證,對提升銀行信貸風險管理水平有一定的借鑒意義。
[Abstract]:In recent years, the economic development of our country has entered the "new normal", and the competition in the financial market is becoming increasingly fierce. As a member of Shandong Rural Credit Cooperative Union, the ZZ Agricultural and Commercial Bank should maintain its vitality within the county scope. We must keep pace with the times on the main line of supporting agriculture and supporting small enterprises, open up and innovate, and effectively deploy and carry out credit projects. And the personal credit program as the core competitive products of ZZ Agricultural and Commercial Bank. Now the deposit and loan spreads of financial institutions are narrowing, bank profits are gradually declining. And the current economic downturn. The effective loan demand of ZZ Agricultural and Commercial Bank is insufficient, the high-quality customer resources are gradually decreasing, the rebound of non-performing loans is becoming more and more serious, the types of risks encountered by banks are increasing, and the risk situations are more and more varied. Risk management is becoming more and more difficult. Credit risk management is an important part of risk management of ZZ agribusiness bank. It is essential in the whole credit business process and runs through the loan. In the event and after a series of work, specifically can be summarized as a loan survey, loan review, loan issuance. After loan management and loan recovery these five key links, and personal credit business is the main part of the loan business of ZZ Agricultural and Commercial Bank. Therefore, the effectiveness of risk management of individual credit projects has become an important guarantee for the sustainable development of ZZ Agricultural and Commercial Bank, and it will also serve the agriculture, farmers and rural economy better in the future. Promoting the development of regional economy and fulfilling the social responsibility of banks play an important role. This paper discusses the relevant theory of project risk management, using literature research, case analysis and other methods. On the basis of analyzing the current situation and problems of risk management of personal credit project of ZZ Agricultural and Commercial Bank, this paper constructs the basic situation of family, reputation and credit status, loan use and market prospect, guarantee situation. The risk evaluation index system of personal credit project is composed of assets, liabilities and operating income and expenditure. The fuzzy comprehensive evaluation method based on fuzzy mathematics principle is used. To identify all the credit project risk factors as the evaluation object, set up the corresponding risk factors weight, measure the specific risk of each credit project risk factors; And the risk types of credit projects to determine the risk level, so as to obtain the total risk of credit projects, and combined with a loan case for analysis and verification. Finally, the author puts forward the measures to deal with the risk of personal credit project. The paper establishes a risk evaluation model of personal credit project based on fuzzy comprehensive evaluation method, and measures the risk of personal credit project. The validity of the model is verified by an example, which is useful for improving the bank credit risk management level.
【學位授予單位】：青島大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.479

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