本文關(guān)鍵詞：興業(yè)銀行大連分行洪亮新能源貸款項(xiàng)目風(fēng)險(xiǎn)管理研究　出處：《吉林大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：諾貝爾經(jīng)濟(jì)學(xué)獎(jiǎng)得主羅伯特·莫頓教授指出,風(fēng)險(xiǎn)管理是現(xiàn)代金融理論的二大支柱之一,從商業(yè)銀行角度出發(fā),經(jīng)營管理的核心就是風(fēng)險(xiǎn)管理。商業(yè)銀行經(jīng)營風(fēng)險(xiǎn)既給其帶來高額利潤的同時(shí),又能給商業(yè)銀行帶來災(zāi)難性的損失,能否及時(shí)有效的管控風(fēng)險(xiǎn),對(duì)商業(yè)銀行的經(jīng)營發(fā)展有著至關(guān)重要的作用。2016年以來,中國的社會(huì)經(jīng)濟(jì)形勢(shì)發(fā)生了深刻的變化,隨著全面深化改革進(jìn)程的持續(xù)推進(jìn),中國經(jīng)濟(jì)已經(jīng)進(jìn)入了新常態(tài),如何認(rèn)識(shí)新常態(tài),適應(yīng)新常態(tài),已經(jīng)成為擺在商業(yè)銀行面前的重大課題。興業(yè)銀行大連分行主動(dòng)認(rèn)識(shí)新常態(tài)、適應(yīng)新常態(tài),既堅(jiān)定地堅(jiān)持改革創(chuàng)新、轉(zhuǎn)型發(fā)展的方向,又實(shí)事求是地設(shè)定階段性目標(biāo),把握業(yè)務(wù)節(jié)奏,改進(jìn)工作方法。面對(duì)風(fēng)險(xiǎn)管理壓力持續(xù)加大的態(tài)勢(shì),興業(yè)銀行大連分行一方面重點(diǎn)加強(qiáng)對(duì)區(qū)域經(jīng)濟(jì)形勢(shì)的研究與預(yù)判,合理確定經(jīng)營發(fā)展指引,同時(shí)做好對(duì)重點(diǎn)行業(yè)、重點(diǎn)客戶的風(fēng)險(xiǎn)排查,加大對(duì)存量業(yè)務(wù)風(fēng)險(xiǎn)防控力度,加快不良資產(chǎn)及風(fēng)險(xiǎn)資產(chǎn)清收化解速度;另一方面,全面加強(qiáng)合規(guī)風(fēng)險(xiǎn)文化的宣貫,強(qiáng)化全行員工風(fēng)險(xiǎn)合規(guī)履職意識(shí),努力構(gòu)建全員合規(guī)的家園文化,提升員工向心力,為分行穩(wěn)健經(jīng)營管理提供更好的團(tuán)隊(duì)基礎(chǔ)。本文以興業(yè)銀行大連分行洪亮新能源貸款項(xiàng)目為例,運(yùn)用文獻(xiàn)研究、定性和定量研究、典型案例分析等方法,綜合運(yùn)用項(xiàng)目管理相關(guān)理論,通過行業(yè)分析、財(cái)務(wù)分析等手段,來說明項(xiàng)目的進(jìn)展情況和前景。同時(shí),本貸款項(xiàng)目也存在潛在風(fēng)險(xiǎn),比如政策風(fēng)險(xiǎn)、經(jīng)營風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、擔(dān)保風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)等影響因素,通過對(duì)行業(yè)情況、經(jīng)營情況、財(cái)務(wù)情況、擔(dān)保情況等因素進(jìn)行風(fēng)險(xiǎn)分析。為了有效規(guī)避風(fēng)險(xiǎn),興業(yè)銀行大連分行對(duì)洪亮新能源貸款項(xiàng)目應(yīng)事前、事中、事后幾個(gè)方面著手,從銀行的各個(gè)風(fēng)險(xiǎn)點(diǎn)出發(fā)來有效防控信貸風(fēng)險(xiǎn)。展開來敘述,第一點(diǎn)是貸款項(xiàng)目評(píng)估的各個(gè)環(huán)節(jié)應(yīng)重點(diǎn)進(jìn)行規(guī)范,尤其是在調(diào)查的準(zhǔn)入、審批的準(zhǔn)入、貸款的申請(qǐng)受理及機(jī)構(gòu)的授信調(diào)查等多方面予以關(guān)注。第二點(diǎn)是貸中的審查審批環(huán)節(jié),對(duì)于相應(yīng)的流程要進(jìn)一步優(yōu)化,對(duì)于審查意見一是要中肯,二是要規(guī)范可靠,三是要加強(qiáng)授信業(yè)務(wù)的放款工作,同時(shí)對(duì)于相關(guān)的放款條件要一一落實(shí)到位。第三點(diǎn)是貸后管理工作要進(jìn)一步強(qiáng)化,對(duì)授信業(yè)務(wù)存續(xù)期內(nèi)進(jìn)行風(fēng)險(xiǎn)的分類、排查、預(yù)警及處置。同時(shí),興業(yè)銀行大連分行應(yīng)嚴(yán)格按照總行授信管理部及風(fēng)險(xiǎn)管理部等相關(guān)部門制定的各項(xiàng)規(guī)章制度執(zhí)行,同時(shí)對(duì)于大連分行內(nèi)部出臺(tái)相應(yīng)的操作規(guī)程,或者進(jìn)一步完善、修訂此前的相關(guān)操作規(guī)程。加強(qiáng)企金CFP系統(tǒng)、零售信貸系統(tǒng)等相關(guān)系統(tǒng)操作的學(xué)習(xí),對(duì)于總行相關(guān)系統(tǒng)建設(shè)更新的功能要及時(shí)組織相關(guān)崗位人員進(jìn)行學(xué)習(xí)培訓(xùn),并隨后組織相應(yīng)的測(cè)驗(yàn)。根據(jù)授信、風(fēng)險(xiǎn)相關(guān)崗位人員的崗位職責(zé)制定適合的考評(píng)機(jī)制與履職評(píng)價(jià)機(jī)制,提高全行員工的合規(guī)、風(fēng)險(xiǎn)與責(zé)任意識(shí),進(jìn)而提出興業(yè)銀行大連分行貸款項(xiàng)目風(fēng)險(xiǎn)控制措施,最終達(dá)到降低風(fēng)險(xiǎn)、銀企雙贏的目的。
[Abstract]:Nobel laureate professor Robert Morton pointed out that the risk management is one of the two pillars of modern financial theory, from the perspective of commercial banks, management is the core of risk management. The operation risk of commercial bank for its profits at the same time, and can bring catastrophic losses to commercial banks, timely and effective risk control, the commercial bank's operation and development plays an important role in.2016 years, has undergone profound changes in social and economic situation Chinese, with the continuous advance of comprehensive deepening reform process, Chinese economy has entered a new normal, how to recognize the new normal, to adapt to the new normal, has become a major issue in front of the commercial banks. Industrial Bank Dalian branch active understanding of the new normal, to adapt to the new normal, not only firmly adhere to reform and innovation, transformation and development direction, and seeking truth from facts To set the stage goal, grasp the business rhythm, improvement of working methods. Facing the pressure of risk management is increasing trend, the Industrial Bank Dalian branch on the one hand, focus on strengthening the research of regional economic situation and pre judgment, reasonably determine the operating guidelines for the development of heavy industry, at the same time point, focus on customer risk investigation, increase the stock of business the risk prevention and control efforts, accelerate the non-performing assets and risk assets to resolve speed; on the other hand, to strengthen the compliance risk culture publicizing, strengthening the bank staff to perform their duties compliance risk awareness, and strive to build the full compliance of home culture, improve staff cohesion, as a branch of robust management to provide a better basis for the team. The Dalian branch of the industrial bank a new energy loan project as an example, the use of literature research, qualitative and quantitative research, case analysis and other methods, the integrated use of project management. The theory, through the industry analysis, financial analysis and other means, to illustrate the progress and Prospect of the project. At the same time, the loan project also has potential risks, such as policy risk, operational risk, credit risk, guarantee risk, operational risk factors and other factors, the industry, business, finance, guarantee the factors such as risk analysis. In order to effectively avoid risks, the Industrial Bank Dalian branch of a new energy loan project should advance, in the matter, after several aspects, to effectively control the credit risk from the point of view of the various risks of banks. The first is to expand the narrative, each part of the loan project evaluation should focus on norms, especially in the investigation of the approval of access, access, and other aspects of the credit investigation agencies and acceptance of the application for the loan's attention. The second is the review of loan approval process, for the corresponding process To further optimize the examination opinions for, one is to the point, the two is to regulate the reliability, the three is to strengthen the credit business loan, and for related lending conditions will be put in place. The third is to further strengthen the work of post loan management, classification, risk of credit business within the duration of the investigation, warning and disposal. At the same time, the Industrial Bank Dalian branch shall implement the regulations strictly in accordance with the head office credit management department and risk management department and other relevant departments to develop, at the same time for the Dalian branch of the internal introduction of corresponding operation rules, and further improve the relevant operating procedures prior to the revision. Strengthen enterprises Kim CFP system, the related system of retail credit system etc. the operation of learning, to update the function of the system construction relevant head office shall timely organize related personnel training for the organization, and then according to the corresponding test. Credit risk, relevant personnel responsibilities for the development of the evaluation mechanism and performance evaluation mechanism, improve the compliance of the bank staff, risk and responsibility consciousness, and puts forward the measures of risk control of Dalian branch of industrial bank loan project, in order to reduce risk, a win-win goal.

【學(xué)位授予單位】：吉林大學(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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