本文選題：委托貸款項(xiàng)目 + 信息不對(duì)稱��； 參考：《吉林大學(xué)》2017年碩士論文

【摘要】：商業(yè)銀行的貸款是商業(yè)銀行最重要的資源,但是面臨著不可忽視的風(fēng)險(xiǎn),因?yàn)樯虡I(yè)銀行貸款項(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。如今,委托貸款項(xiàng)目是華夏銀行沈陽(yáng)分行最主要的業(yè)務(wù)之一,貸款的品質(zhì)和效益直接關(guān)系到商業(yè)銀行的可持續(xù)性發(fā)展。所以,防范和化解委托貸款項(xiàng)目風(fēng)險(xiǎn),做好委托貸款項(xiàng)目管理已經(jīng)成為學(xué)術(shù)界普遍研究的課題。華夏銀行沈陽(yáng)分行成立于1999年10月,主要經(jīng)營(yíng)本外幣存貸、結(jié)算和華夏卡、代理發(fā)行證券等各種金融業(yè)務(wù)。并且,作為中國(guó)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)進(jìn)行融資代理服務(wù)。一直致力于為客戶提供金融產(chǎn)品和個(gè)性化金融服務(wù),在擁有豐富客戶的條件下,得到了較快的發(fā)展。截至2016年末,總資產(chǎn)已經(jīng)超過(guò)了400多億元,一般性存款余額超過(guò)300多億,貸款余額超過(guò)200多億元,為振興東北老工業(yè)基地做出了重要的貢獻(xiàn)。關(guān)于委托貸款項(xiàng)目的研究,研究人員大多立足于宏觀經(jīng)濟(jì)數(shù)據(jù),而目前部分學(xué)者開始側(cè)重從微觀企業(yè)入手來(lái)分析。本文嘗試從微觀角度出發(fā),以華夏銀行沈陽(yáng)分行為例,運(yùn)用定性分析與定量分析相結(jié)合的研究方法,探索華夏銀行沈陽(yáng)分行委托貸款項(xiàng)目風(fēng)險(xiǎn)因素、評(píng)估以及控制方案。在關(guān)于華夏銀行沈陽(yáng)分行委托貸款項(xiàng)目風(fēng)險(xiǎn)管理研究的基礎(chǔ)上,提出相應(yīng)的指導(dǎo)性建議。本文共分為三個(gè)部分。第一部分為緒論,描述了選題的背景及其意義,并且針對(duì)國(guó)、內(nèi)外相關(guān)研究文獻(xiàn)進(jìn)行了綜述,同時(shí)指出了本文的研究思路和框架,研究方法以及創(chuàng)新點(diǎn)等。第二部分為正文第二章到第四章。第二章,委托貸款項(xiàng)目的風(fēng)險(xiǎn)識(shí)別及風(fēng)險(xiǎn)評(píng)價(jià)。首先,闡釋了委托貸款項(xiàng)目風(fēng)險(xiǎn)的發(fā)展過(guò)程,以及委托貸款項(xiàng)目風(fēng)險(xiǎn)的識(shí)別分類;其次,詳細(xì)闡述了委托貸款項(xiàng)目風(fēng)險(xiǎn)評(píng)價(jià)與分析,為論文的研究奠定了堅(jiān)實(shí)的理論基礎(chǔ)。第三章,華夏銀行委托貸款項(xiàng)目風(fēng)險(xiǎn)的控制方案設(shè)計(jì)。首先介紹了華夏銀行委托貸款項(xiàng)目風(fēng)險(xiǎn)控制的評(píng)估,然后著重闡述了華夏銀行委托貸款項(xiàng)目風(fēng)險(xiǎn)評(píng)估的模式,討論了華夏銀行沈陽(yáng)分行委托貸款項(xiàng)目風(fēng)險(xiǎn)因素,接著詳細(xì)闡述了華夏銀行沈陽(yáng)分行委托貸款項(xiàng)目風(fēng)險(xiǎn)控制方案,從而為論文的模型建立奠定了理論的基礎(chǔ)。第四章,華夏銀行委托貸款項(xiàng)目風(fēng)險(xiǎn)要素。先從簡(jiǎn)單直觀地描述華夏銀行委托貸款項(xiàng)目風(fēng)險(xiǎn)控制的方法,著重分析了華夏銀行委托貸款項(xiàng)目風(fēng)險(xiǎn)的控制實(shí)施和應(yīng)急方案,最后是本文的結(jié)論部分。因此,基于現(xiàn)代風(fēng)險(xiǎn)管理理論的重要思想,借鑒中西方金融領(lǐng)域在風(fēng)險(xiǎn)管理方面的理論、方法與技術(shù),結(jié)合華夏銀行沈陽(yáng)分行委托貸款風(fēng)險(xiǎn)管理的實(shí)際運(yùn)用,不斷完善委托貸款項(xiàng)目風(fēng)險(xiǎn)管理的制度,希望可以對(duì)華夏銀行沈陽(yáng)分行乃至整個(gè)金融領(lǐng)域都能夠有效地防范和化解委托貸款項(xiàng)目風(fēng)險(xiǎn),有助于委托貸款的有效運(yùn)行,增強(qiáng)行內(nèi)競(jìng)爭(zhēng)力,促進(jìn)銀行健康的經(jīng)營(yíng)發(fā)展。
[Abstract]:The loan of the commercial bank is the most important resource of the commercial bank, but it faces the risk that can not be ignored, because the success or failure of the loan project management of the commercial bank is directly related to the business development ability of the commercial bank. Nowadays, the entrusted loan project is one of the most important business of Shenyang Branch of Huaxia Bank. The quality and benefit of the loan is directly related to the sustainable development of commercial banks. Therefore, preventing and resolving the risk of entrustment loan project and managing the entrusted loan project have become a common research topic in academic circles. Huaxia Bank Shenyang Branch was established in October 1999, mainly engaged in local and foreign currency deposits and loans, settlement and Huaxia card, acting securities issuance and other financial business. Moreover, as a financing agency approved by the people's Bank of China, it also provides financing agency services for the northeast financial interbank. Has been committed to providing customers with financial products and personalized financial services, in the rich customer conditions, has been rapid development. By the end of 2016, the total assets had exceeded 40 billion yuan, the balance of general deposits exceeded 30 billion yuan, and the balance of loans exceeded 20 billion yuan, making an important contribution to revitalizing the old industrial base in Northeast China. About the research of entrustment loan project, the researchers mostly base on the macroeconomic data, but some scholars begin to focus on analyzing from the micro enterprise at present. In this paper, taking Shenyang Branch of Huaxia Bank as an example, this paper tries to explore the risk factors, evaluation and control scheme of entrusted loan project of Shenyang Branch of Huaxia Bank by using the research method of combining qualitative analysis with quantitative analysis. On the basis of the research on risk management of entrusted loan project in Shenyang Branch of Huaxia Bank, this paper puts forward corresponding guidance suggestions. This paper is divided into three parts. The first part is the introduction, which describes the background and significance of the topic, and summarizes the relevant research literature in China and abroad, and points out the research ideas and framework, research methods and innovation points of this paper. The second part is divided into the second chapter to the fourth chapter. The second chapter, commission loan project risk identification and risk evaluation. Firstly, it explains the development process of entrusted loan project risk and the classification of principal loan project risk. Secondly, it elaborates the evaluation and analysis of entrustment loan project risk, which lays a solid theoretical foundation for the research of this paper. The third chapter, Huaxia Bank entrusted loan project risk control scheme design. This paper first introduces the risk control evaluation of the entrusted loan project of Huaxia Bank, then expounds the risk assessment mode of the entrusted loan project of Huaxia Bank, and discusses the risk factors of the entrusted loan project in Shenyang Branch of Huaxia Bank. Then, the risk control scheme of entrusted loan project in Shenyang Branch of Huaxia Bank is described in detail, which lays a theoretical foundation for the model building of this paper. The fourth chapter, Huaxia Bank entrusts the loan project risk factor. Firstly, the paper describes the risk control method of entrusted loan project in Huaxia Bank, and analyzes the risk control and emergency plan of entrusted loan project in Huaxia Bank. Finally, the conclusion of this paper is given. Therefore, based on the important thought of modern risk management theory, the paper draws lessons from the theory, method and technology of risk management in the field of Chinese and western finance, and combines the practical application of entrusted loan risk management in Shenyang Branch of Huaxia Bank. By constantly improving the risk management system for entrusted loan projects, we hope that it can effectively prevent and defuse the risks of entrusted loan projects for the Shenyang Branch of Huaxia Bank and the entire financial field, and contribute to the effective operation of entrusted loans. To enhance the competitiveness of the industry and promote the healthy development of banks.
【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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