本文關(guān)鍵詞：工商銀行A市分行信貸風(fēng)險管理研究　出處：《東北大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：2008年全球經(jīng)濟(jì)危機(jī),其中歐美等國家受經(jīng)濟(jì)危機(jī)影響尤其嚴(yán)重,這次經(jīng)濟(jì)危機(jī)的主要原因是“次貸危機(jī)”引起銀行的信貸風(fēng)險。我國銀行國家監(jiān)管程度比較高,在經(jīng)濟(jì)危機(jī)中受到的影響相對來說比較小。但是這種銀行管理方式同樣暴露出我國銀行在信貸風(fēng)險管理方面的不足,其面對信貸風(fēng)險過于依賴國家宏觀調(diào)控,缺少自身的積極有效的應(yīng)對方式,不能充分發(fā)揮銀行自身的作用,同樣是不適合銀行在市場經(jīng)濟(jì)背景下長遠(yuǎn)發(fā)展的表現(xiàn)。在此背景下,以工商銀行A市分行為例,討論我國銀行信貸風(fēng)險管理情況,明確其信貸風(fēng)險管理模式以及存在的問題,并提出解決措施,對于我國銀行信貸風(fēng)險管理具有積極作用。促進(jìn)工商銀行A市分行的長遠(yuǎn)發(fā)展,保證其在市場競爭中具有優(yōu)勢,首先需要充分研究其信貸管理方式,有效降低其信貸風(fēng)險,提高工商銀行A市分行的資產(chǎn)質(zhì)量,增加工商銀行A市分行的盈利能力,才能夠保證工商銀行A市分行具有強(qiáng)有力的競爭優(yōu)勢,才能夠保證其能夠在本市乃至于本省的競爭中脫穎而出。因此,本文通過研究工商銀行A市分行信貸風(fēng)險的現(xiàn)狀、存在的問題以及產(chǎn)生問題的原因分析,對應(yīng)的提出解決策略,主要是為了提高工商銀行A市分行的市場競爭能力,促進(jìn)其健康、高效的發(fā)展。本文研究的主要結(jié)論如下：(1)工商銀行A市分行信貸風(fēng)險管理中存在信貸風(fēng)險管理組織結(jié)構(gòu)不合理,信貸風(fēng)險管理人員能力不足,審批效率不高以及貸款質(zhì)量分類存在過于主觀,缺乏科學(xué)依據(jù)的問題。(2)工商銀行A市分行信貸風(fēng)險管理的問題是由于工商銀行A市分行的內(nèi)部原因以及外部原因共同導(dǎo)致的。就內(nèi)部原因來說,其信貸風(fēng)險管理體制以及制度不夠健全,貸款管理人員素質(zhì)不足,管理過程不夠規(guī)范等。就外部原因來說,當(dāng)前我國存在社會信用環(huán)境缺失,國家監(jiān)管體制不健全,我國宏觀調(diào)控政策以及地方政府的政策導(dǎo)致工商銀行A市分行出現(xiàn)信貸風(fēng)險等。(3)工商銀行A市分行的信貸風(fēng)險管理中,應(yīng)該創(chuàng)新管理組織,完善管理流程,改進(jìn)信貸資產(chǎn)質(zhì)量,加強(qiáng)風(fēng)險管理的體系建設(shè)以及改變不良資產(chǎn)治理方式等。工商銀行A市分行通過這些措施改善自身信貸風(fēng)險管理方式的同時,國家以及社會還應(yīng)該提供有力的外部條件,通過完善社會信用體系建設(shè),完善國家信貸監(jiān)管體系建設(shè)等方式,促進(jìn)工商銀行A市分行信貸風(fēng)險管理能夠向健康的方向發(fā)展。
[Abstract]:In 2008 the global economic crisis, the European and American countries affected by the economic crisis is particularly serious, the main reason of the crisis is "subprime crisis" caused by the bank's credit risk. The extent of the country banking supervision in China is relatively high, affected by the economic crisis in relatively small. But the bank management also exposed the lack of me in the bank "s credit risk management, credit risk is too dependent on the face of the national macro-control, the lack of positive coping style, can not fully play its role in the same bank, the bank is not suitable for the long-term development in the background of market economy. Under this background, the industrial and Commercial Bank of A City branch as an example. To discuss the risk management of bank credit in our country, the credit risk management mode and existing problems, and puts forward measures for China's Bank Credit The risk management plays a positive role in promoting long-term development. The industrial and Commercial Bank of A City branch, ensure that it has the advantage in the market competition, first need to fully study the credit management mode, effectively reduce the credit risk, improve the industrial and Commercial Bank of A City branch of the asset quality, increase the industrial and Commercial Bank of A City branch profitability, to ensure business bank A branch has a strong competitive advantage, to ensure it can in the city and in the province in the competition of talent shows itself. Therefore, the present situation of credit risk of commercial bank A branch, analysis of existing problems and the causes of the problems, put forward corresponding strategies, mainly to improve the business A City branch of bank market competition ability, promote the healthy and efficient development. The main conclusions of this paper are as follows: (1) there are industrial and Commercial Bank of A City Branch credit risk management Credit risk management organization structure is not reasonable, credit risk management ability is insufficient, the examination efficiency is not high and the loan quality classification is too subjective, lack of scientific basis. (2) the credit risk management of Commercial Bank of A City branch of the problem is due to the internal causes of the industrial and commercial Bank of A City branch and external reasons leading to it. The internal reasons for the credit risk management system and the system is not perfect, the loan management personnel quality problem, management process is not normative. The external reasons, the current lack of social credit environment in our country, the national regulatory system is not perfect, China's macro-control policy and the policy of local government in the industrial and Commercial Bank of A City Branch credit risk. (3) the credit risk management of Commercial Bank of A City branch, should innovate management organization, improve the management process, improve the credit quality of assets, and Strong risk management system construction and change the governance of non-performing assets. The industrial and Commercial Bank of A City branch through these measures to improve their credit risk management methods at the same time, the state and society should also provide strong external conditions, through the improvement of the construction of social credit system, perfect the construction of national credit supervision system, promote the credit risk management of commercial bank A City branch to develop to the healthy direction.

【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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本文編號：1401107