本文選題：信貸風(fēng)險管理　切入點：內(nèi)部審計　出處：《河北大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：建行C市分行在2012年貸款風(fēng)險管理制度改革中,要求提高貸款風(fēng)險與管理的監(jiān)督與預(yù)防職能,建立“垂直為主,分級為輔”的貸款風(fēng)險管理方法,強化貸款風(fēng)險管理的統(tǒng)一管理模式;在貸款風(fēng)險管理中,引入計算機輔助系統(tǒng),開展貸款風(fēng)險的全面管理,提高貸款風(fēng)險管理的工作效率以及管理效果,及時發(fā)現(xiàn)貸款風(fēng)險管理中的問題并提出風(fēng)險防范措施。建行C市分行作為HB省建行的市級機構(gòu),在HB省建行的貸款風(fēng)險管理規(guī)劃下,開展新的貸款風(fēng)險管理創(chuàng)新并取得了一定的成效,但是在具體管理中,仍舊存在風(fēng)險管理體系不健全,風(fēng)險管理難以全面反映建行C市分行信貸風(fēng)險的實際情況等問題。因此建行C市分行在貸款風(fēng)險管理中,應(yīng)該進一步完善風(fēng)險管理制度、方法以及保障措施,促進銀行風(fēng)險管理戰(zhàn)略目標(biāo)的實現(xiàn)。這樣的背景下,本文對于建行C市分行信貸風(fēng)險管理現(xiàn)狀、問題進行研究,并提出解決措施,指導(dǎo)建行C市分行信貸風(fēng)險管理體系的完善發(fā)展。本文重點研究建行C市分行信貸風(fēng)險管理存在的問題以及導(dǎo)致問題的原因,并以建行C市分行面向中小企業(yè)的信貸風(fēng)險管理為案例,明確信貸風(fēng)風(fēng)險管理的實際運行情況,根據(jù)其信貸風(fēng)管管理以及具體案例分析,提出建行C市分行信貸風(fēng)險管理的工作流程以及技術(shù)方法,以提高其信貸風(fēng)險管理的管理質(zhì)量和管理效率,完善建行C市分行的信貸風(fēng)險控制能力,提高銀行綜合競爭力。本文主要包括以下幾個部門的內(nèi)容,第一章,緒論,對選題的背景、意義進行介紹,對論文研究思想、方法提出有關(guān)意見;第二章,理論綜述以及概念,主要闡述相關(guān)概念的界定和信貸風(fēng)險管理的理論基礎(chǔ);第三章是建行C市分行信貸風(fēng)險管理現(xiàn)狀分析,簡要介紹建行C市分行概況和現(xiàn)代風(fēng)險現(xiàn)狀,以中型房地產(chǎn)企業(yè)貸款中的信貸風(fēng)險審計為案例,分析信貸風(fēng)險管理具體操作流程與存在的問題。第四章是建行C市分行信貸風(fēng)險管理存在問題及原因分析,查找問題產(chǎn)生原因;第五章是完善建行C市分行信貸風(fēng)險管理實施的對策建議,包括信貸風(fēng)險管理實施步驟和程序、管理成果轉(zhuǎn)化利用原則和實施的技術(shù)手段;第六章是結(jié)論和展望。
[Abstract]:In 2012, in the reform of loan risk management system, CCB City C Branch requested to improve the supervision and prevention function of loan risk and management, and to establish a loan risk management method, which is "vertical and classified as auxiliary". Strengthen the unified management mode of loan risk management, introduce computer aided system in loan risk management, carry out the overall management of loan risk, improve the work efficiency and management effect of loan risk management, Discover problems in loan risk management in time and put forward risk prevention measures. As the municipal organization of HB Province Construction Bank, CCB C City Branch, under the loan risk management plan of HB Provincial Construction Bank, The new loan risk management innovation has made some achievements, but in the concrete management, the risk management system is still not perfect. Risk management is difficult to fully reflect the actual situation of credit risk in CCB City C branch. Therefore, CCB City C Branch should further improve its risk management system, methods and safeguard measures in its loan risk management. To promote the realization of the strategic goal of bank risk management. In this context, this paper studies the current situation and problems of credit risk management in CCB C branch, and puts forward some measures to solve the problem. To guide the development of credit risk management system of CCB C branch. This paper focuses on the problems and causes of credit risk management in CCB C branch. Taking the credit risk management of CCB C City Branch for small and medium-sized enterprises as an example, this paper clarifies the actual operation of credit risk management, and analyzes the specific cases according to its credit risk management. In order to improve the quality and efficiency of credit risk management and improve the credit risk control ability of CCB C branch, the paper puts forward the work flow and technical method of credit risk management of CCB C branch. This article mainly includes the following several departments content, the first chapter, the introduction, carries on the introduction to the topic background, the significance, puts forward the related opinion to the thesis research thought, the method; the second chapter, the theory summary and the concept, The definition of related concepts and the theoretical basis of credit risk management are mainly expounded. Chapter three is the analysis of the current situation of credit risk management in CCB C branch, and a brief introduction to the general situation of CCB C branch and the present situation of modern risk. Taking the credit risk audit in the loan of the medium-sized real estate enterprise as an example, this paper analyzes the concrete operation flow and existing problems of the credit risk management. Chapter 4th is the analysis of the existing problems and the reasons for the credit risk management of CCB C City Branch. Chapter 5th is the countermeasures and suggestions to improve the implementation of credit risk management in CCB C city, including the steps and procedures of credit risk management, the principles and technical means of transformation and utilization of management results; Chapter 6th is the conclusion and prospect.
【學(xué)位授予單位】：河北大學(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：1596518