ZX銀行信貸風(fēng)險(xiǎn)管理問題探討
發(fā)布時(shí)間：2019-06-11 04:26
【摘要】：自我國入世以來,對外經(jīng)濟(jì)逐步開放,我國的金融業(yè)也受到國際經(jīng)濟(jì)形勢的影響。當(dāng)前,銀行仍是我國金融業(yè)的主要構(gòu)成,而信貸業(yè)務(wù)仍舊是商業(yè)銀行的主營業(yè)務(wù),是其主要的盈利方式。然而,商業(yè)銀行依靠信貸資產(chǎn)獲得收益,同時(shí)又不可避免地承受一定的風(fēng)險(xiǎn)。因此,商業(yè)銀行的信貸風(fēng)險(xiǎn)管理問題不容忽視,信貸風(fēng)險(xiǎn)管理的成功與否不僅僅關(guān)系到銀行自身經(jīng)營業(yè)績的好壞,甚至?xí)绊懻麄�(gè)金融行業(yè)的長期平穩(wěn)發(fā)展。當(dāng)前,國內(nèi)金融政策的改革和調(diào)整以及國外金融環(huán)境的盤中錯(cuò)雜,使得銀行業(yè)的信貸資產(chǎn)管理面臨巨大的挑戰(zhàn)。在此形勢下,從我國商業(yè)銀行長遠(yuǎn)發(fā)展的角度來看,擁有一套科學(xué)有效的信貸風(fēng)險(xiǎn)管理機(jī)制是十分必要的。目前,國內(nèi)外學(xué)者多著重于從宏觀角度對整個(gè)銀行業(yè)的信貸風(fēng)險(xiǎn)管理體系進(jìn)行共性研究,但是將某一個(gè)具體的商業(yè)銀行作為個(gè)案來進(jìn)行的研究仍然較少。而ZX銀行作為一家實(shí)力強(qiáng)勁的商業(yè)銀行,在快速發(fā)展的同時(shí),其不良貸款率仍然持續(xù)攀升,信貸風(fēng)險(xiǎn)事故時(shí)有發(fā)生,這暴露出了ZX銀行信貸風(fēng)險(xiǎn)管理的一些弊端。故本文以ZX銀行為例,對其信貸風(fēng)險(xiǎn)管理問題進(jìn)行探討,具有一定的理論實(shí)踐意義。本文選取ZX銀行作為案例研究對象,采用將理論依據(jù)與實(shí)際案例相結(jié)合的研究方法,對信貸風(fēng)險(xiǎn)管理問題進(jìn)行探討。首先,介紹相關(guān)的理論知識,為下文的案例研究做鋪墊。然后,本文基于理論基礎(chǔ)對ZX銀行的信貸風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行分析,揭示其存在的問題及其成因。最后,本文采用比較分析法,在比較和借鑒國內(nèi)外商業(yè)銀行先進(jìn)的信貸風(fēng)險(xiǎn)管理機(jī)制的基礎(chǔ)上,結(jié)合ZX銀行的實(shí)際情況,有針對性地提出改進(jìn)ZX銀行信貸風(fēng)險(xiǎn)管理的對策。正文共分為六部分。第一章引言部分。介紹本文的研究背景與意義、國內(nèi)外研究現(xiàn)狀、研究思路與方法以及本文的主要內(nèi)容與框架。第二章對商業(yè)銀行信貸風(fēng)險(xiǎn)管理的相關(guān)理論進(jìn)行概述。本章,先介紹信貸風(fēng)險(xiǎn)管理的內(nèi)涵與目標(biāo),再介紹商業(yè)銀行信貸風(fēng)險(xiǎn)管理的內(nèi)容、策略以及流程。第三章從ZX銀行貸款業(yè)務(wù)的經(jīng)營和財(cái)務(wù)概況、信貸風(fēng)險(xiǎn)管理組織體系、信貸風(fēng)險(xiǎn)形成的原因以及信貸風(fēng)險(xiǎn)管理的措施四方面來對ZX銀行的信貸風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行分析。第四章基于上一章對ZX銀行信貸風(fēng)險(xiǎn)管理現(xiàn)狀的分析,揭示ZX銀行在信貸風(fēng)險(xiǎn)計(jì)量技術(shù)、信貸風(fēng)險(xiǎn)管理組織體制、貸后管理以及信貸信息交流這四個(gè)方面存在的問題并分析其成因。第五章從信貸風(fēng)險(xiǎn)度量方法和信貸風(fēng)險(xiǎn)管理制度兩個(gè)方面介紹了國內(nèi)外商業(yè)銀行信貸風(fēng)險(xiǎn)管理的先進(jìn)經(jīng)驗(yàn)。第六章基于ZX銀行信貸風(fēng)險(xiǎn)管理的現(xiàn)狀和國內(nèi)外的先進(jìn)經(jīng)驗(yàn),建議ZX銀行從優(yōu)化信貸風(fēng)險(xiǎn)度量技術(shù)、完善信貸風(fēng)險(xiǎn)管理組織體系、加強(qiáng)銀行貸后管理以及提高信貸信息交流效率這四個(gè)方面來完善其信貸風(fēng)險(xiǎn)管理。本文結(jié)合經(jīng)濟(jì)和金融的現(xiàn)實(shí)宏觀環(huán)境,采用理論研究和案例研究相結(jié)合的研究方法,基于ZX銀行信貸風(fēng)險(xiǎn)管理的現(xiàn)狀和其正面臨的問題,借鑒國內(nèi)外商業(yè)銀行先進(jìn)的信貸風(fēng)險(xiǎn)管理經(jīng)驗(yàn),為ZX銀行信貸風(fēng)險(xiǎn)管理提出改進(jìn)建議。本文通過考慮商業(yè)銀行在信貸風(fēng)險(xiǎn)管理上的共性特征和案例研究對象的獨(dú)特性,對商業(yè)銀行信貸風(fēng)險(xiǎn)管理這一論題進(jìn)行分析和探討,希望能夠?yàn)樵撜擃}提供一定的智力支持。
[Abstract]:Since China's entry into WTO, the external economy is gradually open, and the financial industry of our country is also affected by the international economic situation. At present, the bank is still the main component of the financial industry of our country, and the credit business is still the main business of the commercial bank, it is its main profit mode. Commercial banks, however, rely on credit assets to gain income while inevitably bearing a certain risk. Therefore, the problem of credit risk management of commercial banks should not be ignored. The success of credit risk management is not only related to the performance of the bank itself, but even the long-term and stable development of the whole financial industry. At present, the reform and adjustment of domestic financial policy, as well as the foreign financial environment, makes the bank's credit asset management face a great challenge. In this situation, it is necessary to have a set of scientific and effective credit risk management mechanism from the perspective of the long-term development of our commercial banks. At present, the domestic and foreign scholars focus on the general research of the credit risk management system of the whole banking industry from the macro perspective, but the research of a specific commercial bank as a case is still less. The bank of ZX, as a strong commercial bank, has been developing rapidly, and the non-performing loan rate of the bank is still rising, and the credit risk accident happens frequently, which exposes some of the disadvantages of the credit risk management of the ZX bank. Therefore, taking ZX bank as an example, this paper discusses the problem of credit risk management, and has some theoretical and practical significance. In this paper, ZX bank is selected as the object of case study, and the research method of combining the theoretical basis and the actual case is adopted, and the problem of credit risk management is discussed. First, the relevant theoretical knowledge is introduced, and the following case studies are laid. Then, the paper analyzes the present situation of credit risk management of ZX bank based on the theoretical basis, and reveals the existing problems and its causes. Finally, on the basis of comparing and using the advanced credit risk management mechanism of the domestic and foreign commercial banks, this paper puts forward some measures to improve the credit risk management of the ZX bank in the light of the actual situation of the ZX bank. The text is divided into six parts. Chapter I Introduction. This paper introduces the research background and significance of this paper, the present situation of research and abroad, the research thoughts and methods, as well as the main contents and framework of this paper. The second chapter provides an overview of the theory of credit risk management in commercial banks. This chapter first introduces the connotation and goal of credit risk management, and then introduces the content, strategy and process of credit risk management of commercial bank. The third chapter analyzes the current situation of credit risk management of ZX Bank from the operating and financial situation of the ZX bank loan business, the credit risk management organization system, the reason of credit risk formation and the measures of credit risk management. The fourth chapter is based on the analysis of the current situation of credit risk management of ZX bank based on the previous chapter, and reveals the problems existing in the four aspects of credit risk measurement technology, credit risk management organization system, post-loan management and credit information exchange in ZX Bank and analyzes the cause. The fifth chapter introduces the advanced experience of credit risk management at home and abroad from two aspects of credit risk measurement method and credit risk management system. The sixth chapter is based on the present situation of the credit risk management of the ZX bank and the advanced experience at home and abroad, and it is suggested that the ZX Bank should perfect the credit risk measurement technology and improve the credit risk management organization system. To improve the management of credit risk management and to improve the exchange efficiency of credit information. In the light of the real macro-environment of economy and finance, this paper adopts the research method of the combination of the theory research and the case study, based on the present situation of the credit risk management of the ZX bank and the problems it is facing, using the advanced credit risk management experience of the domestic and foreign commercial banks, Improve that credit risk management of the ZX bank. This paper analyzes and discusses the topic of credit risk management of commercial banks by taking into account the common characteristics of commercial banks in credit risk management and the uniqueness of the case study objects, and it is hoped that some intellectual support can be provided for this thesis.
【學(xué)位授予單位】：江西財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4
本文編號：2497013
[Abstract]:Since China's entry into WTO, the external economy is gradually open, and the financial industry of our country is also affected by the international economic situation. At present, the bank is still the main component of the financial industry of our country, and the credit business is still the main business of the commercial bank, it is its main profit mode. Commercial banks, however, rely on credit assets to gain income while inevitably bearing a certain risk. Therefore, the problem of credit risk management of commercial banks should not be ignored. The success of credit risk management is not only related to the performance of the bank itself, but even the long-term and stable development of the whole financial industry. At present, the reform and adjustment of domestic financial policy, as well as the foreign financial environment, makes the bank's credit asset management face a great challenge. In this situation, it is necessary to have a set of scientific and effective credit risk management mechanism from the perspective of the long-term development of our commercial banks. At present, the domestic and foreign scholars focus on the general research of the credit risk management system of the whole banking industry from the macro perspective, but the research of a specific commercial bank as a case is still less. The bank of ZX, as a strong commercial bank, has been developing rapidly, and the non-performing loan rate of the bank is still rising, and the credit risk accident happens frequently, which exposes some of the disadvantages of the credit risk management of the ZX bank. Therefore, taking ZX bank as an example, this paper discusses the problem of credit risk management, and has some theoretical and practical significance. In this paper, ZX bank is selected as the object of case study, and the research method of combining the theoretical basis and the actual case is adopted, and the problem of credit risk management is discussed. First, the relevant theoretical knowledge is introduced, and the following case studies are laid. Then, the paper analyzes the present situation of credit risk management of ZX bank based on the theoretical basis, and reveals the existing problems and its causes. Finally, on the basis of comparing and using the advanced credit risk management mechanism of the domestic and foreign commercial banks, this paper puts forward some measures to improve the credit risk management of the ZX bank in the light of the actual situation of the ZX bank. The text is divided into six parts. Chapter I Introduction. This paper introduces the research background and significance of this paper, the present situation of research and abroad, the research thoughts and methods, as well as the main contents and framework of this paper. The second chapter provides an overview of the theory of credit risk management in commercial banks. This chapter first introduces the connotation and goal of credit risk management, and then introduces the content, strategy and process of credit risk management of commercial bank. The third chapter analyzes the current situation of credit risk management of ZX Bank from the operating and financial situation of the ZX bank loan business, the credit risk management organization system, the reason of credit risk formation and the measures of credit risk management. The fourth chapter is based on the analysis of the current situation of credit risk management of ZX bank based on the previous chapter, and reveals the problems existing in the four aspects of credit risk measurement technology, credit risk management organization system, post-loan management and credit information exchange in ZX Bank and analyzes the cause. The fifth chapter introduces the advanced experience of credit risk management at home and abroad from two aspects of credit risk measurement method and credit risk management system. The sixth chapter is based on the present situation of the credit risk management of the ZX bank and the advanced experience at home and abroad, and it is suggested that the ZX Bank should perfect the credit risk measurement technology and improve the credit risk management organization system. To improve the management of credit risk management and to improve the exchange efficiency of credit information. In the light of the real macro-environment of economy and finance, this paper adopts the research method of the combination of the theory research and the case study, based on the present situation of the credit risk management of the ZX bank and the problems it is facing, using the advanced credit risk management experience of the domestic and foreign commercial banks, Improve that credit risk management of the ZX bank. This paper analyzes and discusses the topic of credit risk management of commercial banks by taking into account the common characteristics of commercial banks in credit risk management and the uniqueness of the case study objects, and it is hoped that some intellectual support can be provided for this thesis.
【學(xué)位授予單位】：江西財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4
【參考文獻(xiàn)】
相關(guān)期刊論文 前10條
1 程傳勇;;基于信息不對稱視角下的商業(yè)銀行信貸風(fēng)險(xiǎn)博弈分析[J];湖北社會科學(xué);2015年11期
2 楊愛香;;淺析我國商業(yè)銀行信貸風(fēng)險(xiǎn)管理的現(xiàn)狀及對策[J];時(shí)代金融;2015年30期
3 宋首文;代芊;柴若琪;;互聯(lián)網(wǎng)+銀行:我國傳統(tǒng)商業(yè)銀行風(fēng)險(xiǎn)管理新變革[J];財(cái)經(jīng)科學(xué);2015年07期
4 于博興;;財(cái)務(wù)視角下商業(yè)銀行信貸風(fēng)險(xiǎn)預(yù)防機(jī)制研究[J];財(cái)會通訊;2014年35期
5 殷紅;;當(dāng)前銀行信貸風(fēng)險(xiǎn)特征及原因[J];銀行家;2014年12期
6 孫琦;;論我國商業(yè)銀行信貸風(fēng)險(xiǎn)的控制[J];中國外資;2014年01期
7 王海兵;郎鑄;;我國商業(yè)銀行信貸風(fēng)險(xiǎn)控制研究[J];中國注冊會計(jì)師;2013年11期
8 孫茂林;王樹恩;;我國商業(yè)銀行信貸風(fēng)險(xiǎn)識別與管理研究[J];山東社會科學(xué);2013年05期
9 張守川;任宇寧;;風(fēng)險(xiǎn)計(jì)量模型的屬性與應(yīng)用[J];中國金融;2013年07期
10 郭保民;;論商業(yè)銀行全面風(fēng)險(xiǎn)管理體系的構(gòu)建[J];中南財(cái)經(jīng)政法大學(xué)學(xué)報(bào);2011年03期
，本文編號：2497013
本文鏈接：http://sikaile.net/jingjilunwen/huobiyinxinglunwen/2497013.html
最近更新
教材專著
