【摘要】：商業(yè)銀行作為現(xiàn)代金融體系的核心,是經(jīng)濟經(jīng)濟運轉(zhuǎn)的樞紐。對于商業(yè)銀行來說,信貸風(fēng)險管理是風(fēng)險管理中難度最大的領(lǐng)域,信貸風(fēng)險的有效管理將直接影響商業(yè)銀行的穩(wěn)健經(jīng)營,進而影響金融體系的穩(wěn)定性。當(dāng)前,隨著供給側(cè)改革大幕的拉開,我國商業(yè)外部經(jīng)營環(huán)境發(fā)生了很大變化,經(jīng)濟新常態(tài)對商業(yè)銀行信貸風(fēng)險管理帶來機遇與挑戰(zhàn)。當(dāng)前互聯(lián)網(wǎng)金融快速發(fā)展,利率市場化穩(wěn)步推進,銀行信貸風(fēng)險管理影響因素更為復(fù)雜。特別是我國的中小銀行,資產(chǎn)規(guī)模決定了其風(fēng)險承受能力相對較弱,加之前幾年信貸業(yè)務(wù)的不合理擴張,導(dǎo)致當(dāng)前我國中小銀行信貸資產(chǎn)質(zhì)量不容樂觀。解決中小銀行信貸風(fēng)險管理中存在的問題,提高中小銀行信貸風(fēng)險管理水平,促進金融穩(wěn)定,顯得尤為重要。本文在研究了商業(yè)銀行信貸風(fēng)險管理相關(guān)理論、經(jīng)濟新常態(tài)相關(guān)理論以及國內(nèi)外文獻的基礎(chǔ)上,首先從流程設(shè)計、組織結(jié)構(gòu)、管理方法三個方面梳理了當(dāng)前我國中小銀行信貸風(fēng)險管理的現(xiàn)狀,從現(xiàn)狀出發(fā),發(fā)現(xiàn)經(jīng)濟新常態(tài)下中小銀行信貸風(fēng)險管理存在四個方面的問題:信貸資產(chǎn)過于集中、內(nèi)部控制力度不足、風(fēng)險管理組織結(jié)構(gòu)不合理、風(fēng)險管理方法落后。其次分析了經(jīng)濟新常態(tài)下中小銀行信貸風(fēng)險管理面臨的機遇與挑戰(zhàn)。最后結(jié)合新常態(tài)這一外部環(huán)境,提出了相應(yīng)的對策建議,以期我國的中小銀行在實現(xiàn)穩(wěn)健經(jīng)營的同時,助力供給側(cè)改革與經(jīng)濟轉(zhuǎn)型發(fā)展。
[Abstract]:As the core of modern financial system, commercial banks are the hub of economic operation. For commercial banks, credit risk management is the most difficult area in risk management. The effective management of credit risk will directly affect the stable operation of commercial banks and then the stability of financial system. At present, with the development of supply-side reform, great changes have taken place in the external business environment of our country, and the new normal economy brings opportunities and challenges to the credit risk management of commercial banks. With the rapid development of Internet finance and the steady advance of interest rate marketization, the influencing factors of bank credit risk management are more complicated. Especially for the small and medium-sized banks in our country, the scale of assets determines their risk bearing ability is relatively weak, and the unreasonable expansion of credit business in the past few years leads to the current credit assets quality of the small and medium-sized banks in our country is not optimistic. It is very important to solve the problems existing in the credit risk management of small and medium-sized banks, to improve the credit risk management level of small and medium-sized banks and to promote financial stability. On the basis of studying the relevant theories of credit risk management of commercial banks, economic new normal theory and domestic and foreign literature, this paper first from the process design, organizational structure, Three aspects of management methods combing the current situation of credit risk management of small and medium-sized banks in China, from the current situation, we find that there are four problems in credit risk management of small and medium-sized banks under the new normal state of economy: credit assets are too concentrated. The internal control is insufficient, the risk management organization structure is unreasonable, the risk management method is backward. Secondly, the paper analyzes the opportunities and challenges of credit risk management of small and medium banks under the new normal economy. Finally, combined with the external environment of the new normal, the corresponding countermeasures and suggestions are put forward in order to help the supply-side reform and the economic transformation and development of the small and medium-sized banks in China.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4

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本文編號：2395905