本文關(guān)鍵詞：華夏銀行沈陽分行新希望陶瓷流動(dòng)貸款項(xiàng)目風(fēng)險(xiǎn)控制研究　出處：《吉林大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 流動(dòng)資金貸款 風(fēng)險(xiǎn)識(shí)別 風(fēng)險(xiǎn)控制

【摘要】：對(duì)于當(dāng)前中國的國民經(jīng)濟(jì)來說,中小型企業(yè)已成為我國經(jīng)濟(jì)主體的重要組成部分。中小型企業(yè)業(yè)務(wù)的發(fā)展充滿了旺盛力,在國民經(jīng)濟(jì)當(dāng)中占有較大比重。對(duì)于很多中小企業(yè)來說,銀行信貸已經(jīng)成為了它們最重要的外源融資方式。流動(dòng)資金貸款是商業(yè)銀行的主營業(yè)務(wù)之一,但是存在著不容忽視的風(fēng)險(xiǎn)。流動(dòng)資金貸款項(xiàng)目管理的成敗直接關(guān)系到商業(yè)銀行的業(yè)務(wù)發(fā)展能力;流動(dòng)資金貸款的風(fēng)險(xiǎn)管控直接影響商業(yè)銀行的可持續(xù)發(fā)展,所以,防范和規(guī)避流動(dòng)資金貸款項(xiàng)目的風(fēng)險(xiǎn),做好流動(dòng)資金貸款項(xiàng)目風(fēng)險(xiǎn)的防范與規(guī)避是各家銀行工作的重中之重。流動(dòng)資金貸款分為中長(zhǎng)期流動(dòng)資金貸款和短期流動(dòng)資金貸款。作為維持銀行生存與拓展的立身之本,流動(dòng)資金貸款的風(fēng)險(xiǎn)把控是銀行運(yùn)營過程中至關(guān)重要的業(yè)務(wù)環(huán)節(jié)。它可以有效的預(yù)防和應(yīng)對(duì)貸款過程中的風(fēng)險(xiǎn)問題。流動(dòng)資金貸款的風(fēng)險(xiǎn)防控管理的研究是保障銀行自身財(cái)產(chǎn)安全的重要信貸風(fēng)險(xiǎn)管理與研究,同時(shí),也能夠通過有效的風(fēng)險(xiǎn)防控手段,更加透徹地了解企業(yè)需求,為企業(yè)提供更加恰當(dāng)?shù)娜谫Y業(yè)務(wù)。華夏銀行以助力中小企業(yè)貸款為特色,發(fā)展優(yōu)質(zhì)客戶,華夏銀行的流動(dòng)資金貸款主要為中小企業(yè)日常購買原材料等提供短期貸款。華夏銀行沈陽分行成立于1999年10月,作為中國人民銀行批準(zhǔn)的東北地區(qū)融資代理行,它也為東北地區(qū)金融同業(yè)提供了融資代理業(yè)務(wù)。華夏銀行沈陽分行始終致力于為客戶提供金融產(chǎn)品的個(gè)性化服務(wù),截至2016年末,銀行總資產(chǎn)已過400億大關(guān),一般性存款余額超過300億,貸款余額超過200億,為東北老工業(yè)基地的振興,作出了巨大貢獻(xiàn)。本文以華夏銀行沈陽分行新希望陶瓷流動(dòng)貸款項(xiàng)目為研究對(duì)象,探索該項(xiàng)目的風(fēng)險(xiǎn)控制,本文共分為四個(gè)部分。第一章緒論,闡述了選題的背景及選題意義,針對(duì)國、內(nèi)外相關(guān)研究文獻(xiàn)進(jìn)行了綜述,同時(shí)指出了本文的究方法。第二章華夏銀行新希望陶瓷流動(dòng)資金貸款項(xiàng)目的概述。借鑒中西方金融領(lǐng)域在風(fēng)險(xiǎn)管理方面的理論、方法和技術(shù),結(jié)合新希望陶瓷流動(dòng)貸款項(xiàng)目的風(fēng)險(xiǎn)管理實(shí)際運(yùn)用,提出該貸款項(xiàng)目可能存在的項(xiàng)目風(fēng)險(xiǎn)。第三章華夏銀行新希望陶瓷流動(dòng)資金貸款項(xiàng)目的風(fēng)險(xiǎn)識(shí)別及風(fēng)險(xiǎn)評(píng)價(jià)。首先闡釋了新希望陶瓷貸款方式的風(fēng)險(xiǎn)評(píng)價(jià)以及流動(dòng)資金貸款項(xiàng)目風(fēng)險(xiǎn)的識(shí)別分類;其次,詳細(xì)闡述了新希望陶瓷流動(dòng)資金貸款項(xiàng)目風(fēng)險(xiǎn)評(píng)價(jià)與分析,為論文的研究奠定了理論基礎(chǔ)。第四章,華夏銀行新希望陶瓷流動(dòng)資金貸款項(xiàng)目風(fēng)險(xiǎn)的控制方法及措施。首先簡(jiǎn)單直觀地描述了華夏銀行新希望陶瓷流動(dòng)資金貸款項(xiàng)目風(fēng)險(xiǎn)控制的方法,包括貸前、貸后兩部分,最后著重設(shè)計(jì)了該貸款項(xiàng)目風(fēng)險(xiǎn)控制的具體實(shí)施方法。
[Abstract]:For the current national economy of China, small and medium-sized enterprises have become an important part of the main body of our economy. The development of small and medium-sized enterprises business is full of vigorous power. For many small and medium-sized enterprises, bank credit has become their most important external financing method. Liquidity loan is one of the main business of commercial banks. However, there are risks that can not be ignored. The success or failure of the project management of liquid capital loan is directly related to the business development ability of commercial banks; The risk control of liquidity loan has a direct impact on the sustainable development of commercial banks. Therefore, to prevent and avoid the risk of liquidity loan project. It is the most important task for each bank to prevent and avoid the risk of working capital loan project. Liquidity loan is divided into medium and long term working capital loan and short term liquid fund loan. As to maintain the bank's survival and development, the working capital loan is divided into two categories: medium and long term liquidity loan and short term working capital loan. The foundation of standing. The risk control of liquid capital loan is an important business link in the course of bank operation. It can effectively prevent and deal with the risk problem in the loan process. The study of risk prevention and control management of liquid capital loan is the guarantee. The important credit risk management and research of bank's own property security. At the same time, through effective means of risk prevention and control, a more thorough understanding of the needs of enterprises to provide more appropriate financing business. The liquidity loan of Huaxia Bank mainly provides short-term loans for the daily purchase of raw materials by small and medium-sized enterprises. The Shenyang Branch of Huaxia Bank was established in October 1999. As a financing agency in Northeast China approved by the people's Bank of China. It also provides the financing agent business for the northeast area financial interbank. The Shenyang branch of Huaxia Bank is always committed to providing the individualized service of the financial product for the customer, as of end of 2016. The total assets of banks have passed the 40 billion mark, the balance of general deposits exceeds 30 billion, and the balance of loans exceeds 20 billion, which is the revitalization of the old industrial base in Northeast China. This paper takes the project of New Hope Ceramic flow loan of Shenyang Branch of Huaxia Bank as the research object and explores the risk control of the project. This paper is divided into four parts. Chapter one is introduction. This paper expounds the background and significance of the selected topic, and summarizes the relevant research literature in China and abroad. At the same time, it points out the research method of this paper. The second chapter is an overview of the new hope ceramic liquidity loan project of Huaxia Bank. It draws lessons from the theory, method and technology of risk management in the financial field of China and the West. Combined with the new hope ceramic mobile loan project risk management practical application. In chapter 3, the risk identification and risk evaluation of the new hope ceramic loan project of Huaxia bank are put forward. Firstly, the risk evaluation and flow of the new hope ceramic loan mode are explained. Identifying and classifying the risk of moving fund loan project; Secondly, the paper elaborates the risk evaluation and analysis of the new hope ceramic liquidity loan project, which lays a theoretical foundation for the research. 4th chapter. The risk control methods and measures of the new hope ceramic circulating fund loan project in Huaxia Bank. Firstly, the paper describes the risk control method of the new hope ceramic circulating fund loan project, including the pre-loan method in Huaxia Bank. Finally, the implementation method of risk control of the loan project is designed.
【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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