發(fā)布時(shí)間：2018-04-04 18:19

  本文選題：新常態(tài)　切入點(diǎn)：城市商業(yè)銀行　出處：《江西財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：2014年5月,習(xí)近平總書記在中央經(jīng)濟(jì)工作會(huì)議上提出“新常態(tài)”的概念,它反映出了目前我國(guó)經(jīng)濟(jì)運(yùn)行的幾個(gè)特征:第一,經(jīng)濟(jì)從高速轉(zhuǎn)變?yōu)橹懈咚僭鲩L(zhǎng);第二,經(jīng)濟(jì)結(jié)構(gòu)不斷優(yōu)化升級(jí),第三產(chǎn)業(yè)比重穩(wěn)步提升;第三,發(fā)展方式從粗放增長(zhǎng)轉(zhuǎn)向效益型的集約增長(zhǎng)。在中國(guó)經(jīng)濟(jì)進(jìn)入新常態(tài)的背景下,實(shí)體經(jīng)濟(jì)發(fā)展緩慢,抗風(fēng)險(xiǎn)能力降低,其對(duì)銀行盈利增長(zhǎng)的支撐效果明顯減弱。同時(shí)金融行業(yè)風(fēng)起云涌,互聯(lián)網(wǎng)金融呈現(xiàn)爆發(fā)式增長(zhǎng),利率市場(chǎng)化加速推進(jìn),供給側(cè)改革大幕已拉開,這些都給銀行的生存發(fā)展帶來了巨大的挑戰(zhàn)。從2014年開始,銀行業(yè)不良貸款呈現(xiàn)反彈趨勢(shì),不良貸款余額和不良貸款率持續(xù)雙升,一直延續(xù)到2016年。據(jù)銀監(jiān)會(huì)統(tǒng)計(jì)數(shù)據(jù)顯示,截止2016年6月,商業(yè)銀行不良貸款余額已經(jīng)超過20000億元,較年初新增了2800多億元;不良貸款率1.81%,較年初上升0.14個(gè)百分點(diǎn)。2015年年末商業(yè)銀行凈利潤(rùn)增速為2.4%,較2014年末9.6%的增速水平下降了7.2個(gè)百分點(diǎn)。本文以XX城市商業(yè)銀行為研究案例,從信貸風(fēng)險(xiǎn)管理文化、信貸風(fēng)險(xiǎn)管理組織架構(gòu)、信貸業(yè)務(wù)流程、信貸風(fēng)險(xiǎn)管理措施、信貸監(jiān)管主要指標(biāo)等五個(gè)方面來分析XX城市商業(yè)銀行信貸風(fēng)險(xiǎn)管理現(xiàn)狀,進(jìn)而剖析其管理過程中存在的問題及原因。同時(shí),本文結(jié)合經(jīng)濟(jì)新常態(tài)的特征以及挑戰(zhàn),提出了提升XX城市商業(yè)銀行公司信貸風(fēng)險(xiǎn)管理水平的建議:加強(qiáng)內(nèi)部風(fēng)險(xiǎn)控制;重視貸前貸后的實(shí)質(zhì)性調(diào)查與管理;充分發(fā)揮信貸防控中的地緣親緣優(yōu)勢(shì);加強(qiáng)與互聯(lián)網(wǎng)金融行業(yè)的信息共享與合作;拓展不良資產(chǎn)處置渠道,提高消化速度。
[Abstract]:In May 2014, General Secretary Xi Jinping put forward the concept of "new normal" at the Central Economic work Conference, which reflects several characteristics of China's current economic operation: first, the economy has changed from a high speed to a medium and high growth; second,The economic structure is constantly optimized and upgraded, and the proportion of the tertiary industry is steadily rising; third, the mode of development has changed from extensive growth to efficient intensive growth.Under the background of Chinese economy entering into the new normal, the real economy develops slowly, the ability of resisting risk is reduced, and its support effect to the growth of bank profit is obviously weakened.At the same time, the financial industry is surging, Internet finance is showing explosive growth, interest rate marketization is accelerating, supply-side reform has been opened, these have brought great challenges to the survival and development of banks.Since 2014, banks have seen a rebound in non-performing loans, with non-performing loan balances and non-performing loan ratios continuing to rise until 2016.According to CBRC statistics, as of June 2016, the balance of non-performing loans of commercial banks has exceeded 2 trillion yuan, more than 2800 billion yuan more than at the beginning of the year.Non-performing loans rose 0.14 percentage points from the start of the year. Net profit for commercial banks grew by 2.4 percentage points at the end of 2015, down 7.2 percentage points from the rate of 9.6 percent growth at the end of 2014.This article takes XX City Commercial Bank as the research case, from the credit risk management culture, the credit risk management organization structure, the credit business process, the credit risk management measure,This paper analyzes the current situation of credit risk management of commercial banks in XX city from five aspects, such as the main indicators of credit supervision, and then analyzes the existing problems and causes in the process of management.At the same time, combined with the characteristics and challenges of the new normal economy, this paper puts forward some suggestions to improve the level of credit risk management of commercial banks in XX city: strengthening the internal risk control, paying attention to the substantive investigation and management before and after lending;Give full play to the geographical affinity advantage in credit prevention and control; strengthen the information sharing and cooperation with the Internet financial industry; expand the channels for the disposal of non-performing assets and improve the speed of digestion.
【學(xué)位授予單位】：江西財(cái)經(jīng)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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