本文關(guān)鍵詞： 浙商銀行 不良貸款 風(fēng)險(xiǎn)成因 控制措施　出處：《西安科技大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：浙商銀行作為一家股份制銀行，與中國其他商業(yè)銀行一樣，也存在著較嚴(yán)重的不良貸款風(fēng)險(xiǎn)問題，如何有效防范不良貸款風(fēng)險(xiǎn)是政府和銀行普遍關(guān)注的熱點(diǎn)問題。為此，本文在對(duì)國內(nèi)外相關(guān)研究現(xiàn)狀進(jìn)行綜述的基礎(chǔ)上，采用實(shí)證研究方法對(duì)浙商銀行不良貸款風(fēng)險(xiǎn)成因與防范措施進(jìn)行了較深入的分析。主要的研究工作和結(jié)論如下： （1）簡要概述了與不良貸款風(fēng)險(xiǎn)相關(guān)的理論，分析了美國、瑞典和日本等先進(jìn)國家商業(yè)銀行不良貸款處理和風(fēng)險(xiǎn)防范的經(jīng)驗(yàn)，為后續(xù)研究奠定了理論基礎(chǔ)。 （2）在分析浙商銀行不良貸款風(fēng)險(xiǎn)管理現(xiàn)狀基礎(chǔ)上，將浙商銀行信貸風(fēng)險(xiǎn)分為道德風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)和市場風(fēng)險(xiǎn)。 （3）采用問卷調(diào)查方法針對(duì)浙商銀行不良貸款中存在的四種風(fēng)險(xiǎn)所產(chǎn)生的原因進(jìn)行了分析，發(fā)現(xiàn)：造成道德風(fēng)險(xiǎn)的主要原因是薪酬制度不合理、違規(guī)成本低和培訓(xùn)不到位；造成信用風(fēng)險(xiǎn)的主要原因是信用環(huán)境差、蓄意欺詐以及評(píng)級(jí)機(jī)制不科學(xué)；造成操作風(fēng)險(xiǎn)的主要原因是制度不完善和人員素質(zhì)差；造成市場風(fēng)險(xiǎn)的主要原因是信貸投向單一和管理組織不健全。 （4）提出了浙商銀行不良貸款風(fēng)險(xiǎn)控制措施，，主要包括：風(fēng)險(xiǎn)控制的指導(dǎo)思想和基本原則以及加強(qiáng)道德建設(shè)、完善激勵(lì)機(jī)制、加大問責(zé)力度，規(guī)范操作流程、提高人員素質(zhì)，加強(qiáng)宣傳提高認(rèn)識(shí)、構(gòu)建信用評(píng)價(jià)體系，豐富業(yè)務(wù)類型、完善組織架構(gòu)、創(chuàng)新服務(wù)方式等四個(gè)方面的10項(xiàng)風(fēng)險(xiǎn)控制措施。尤其是構(gòu)建的基于AHP的信用評(píng)價(jià)體系對(duì)于控制信用風(fēng)險(xiǎn)具有較好的指導(dǎo)價(jià)值。
[Abstract]:As a joint-stock bank, Zhejiang Commercial Bank, like other commercial banks in China, also has a serious problem of non-performing loan risk. How to effectively prevent the risk of non-performing loans is a hot issue that the government and banks are generally concerned about. Therefore, this paper summarizes the current situation of research at home and abroad. The causes and preventive measures of non-performing loan risk of Zhejiang merchant bank are analyzed by using empirical research method. The main research work and conclusions are as follows: This paper briefly summarizes the theories related to the risk of non-performing loans, and analyzes the experiences of the commercial banks in the United States, Sweden and Japan in dealing with non-performing loans and preventing the risks. It lays a theoretical foundation for further research. On the basis of analyzing the current situation of non-performing loan risk management of Zhejiang merchant bank, the credit risk of Zhejiang merchant bank is divided into moral hazard, operational risk, credit risk and market risk. The author analyzes the causes of the four kinds of risks in the non-performing loans of Zhejiang merchant bank by questionnaire, and finds out that the main reason of moral hazard is the unreasonable salary system. Low cost of violation and inadequate training; The main causes of credit risk are poor credit environment, deliberate fraud and unscientific rating mechanism. The main causes of operational risk are imperfect system and poor quality of personnel. The main causes of market risk are single credit investment and unsound management organization. 4) put forward the risk control measures of non-performing loan of Zhejiang merchant bank, mainly include: the guiding ideology and basic principle of risk control, strengthening moral construction, perfecting incentive mechanism and increasing accountability. Standardize the operation process, improve the quality of personnel, strengthen publicity and awareness, build a credit evaluation system, enrich the types of business, and improve the organizational structure. In particular, the credit evaluation system based on AHP has good guiding value for controlling credit risk.
【學(xué)位授予單位】：西安科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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本文編號(hào)：1476661