本文選題：信貸管理　切入點(diǎn)：風(fēng)險(xiǎn)防范　出處：《西北大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：恒豐銀行西安分行信貸管理研究是一個(gè)不斷發(fā)現(xiàn)、識(shí)別、培育和提升的動(dòng)態(tài)過(guò)程。縱觀國(guó)際上有實(shí)力的銀行,他們都是堅(jiān)持在金融方面的提高的基礎(chǔ)之上進(jìn)行不斷的管理結(jié)構(gòu)和方式上的創(chuàng)新探索、不斷提高員工的綜合素質(zhì),以此來(lái)提高自身的信貸管理水平。當(dāng)今世界全球化進(jìn)一步發(fā)展、各個(gè)行業(yè)信息化程度不斷提高,世界金融系統(tǒng)也進(jìn)行著日新月異的變化,銀行間的競(jìng)爭(zhēng)范圍已經(jīng)轉(zhuǎn)化到銀行的自有資產(chǎn)領(lǐng)域,競(jìng)爭(zhēng)的內(nèi)容包括信息傳播和利用、先進(jìn)技術(shù)和文化。要想不被淘汰,就要把提高銀行的信貸管理能力當(dāng)成主要任務(wù)來(lái)抓。 恒豐銀行西安分行雖然已經(jīng)體會(huì)到了信貸管理制度的重要性,但是并沒(méi)有把它看成銀行發(fā)展的瓶頸,可能是沒(méi)有真正認(rèn)識(shí)到信貸風(fēng)險(xiǎn)的管理對(duì)銀行自身進(jìn)行業(yè)務(wù)轉(zhuǎn)型、控制風(fēng)險(xiǎn)能力、開(kāi)拓更廣闊的市場(chǎng)的重要意義。 本文在綜合了現(xiàn)今學(xué)術(shù)界對(duì)信貸管理的主要看法、銀行內(nèi)部控制理論和恒豐銀行西安分行的信貸現(xiàn)狀的基礎(chǔ)上,通過(guò)查閱大量研究文獻(xiàn)、比較其他銀行的研究結(jié)果等途徑,根據(jù)再造業(yè)務(wù)的原理,指出了創(chuàng)新對(duì)恒豐銀行西安分行信貸管理各種要素的重要意義。 實(shí)行符合客觀管理規(guī)律的信貸管理制度加上正確的執(zhí)行措施,是恒豐銀行西安分行在激烈的市場(chǎng)競(jìng)爭(zhēng)中立于不敗之地的基本保障,對(duì)風(fēng)險(xiǎn)實(shí)行全面有效的控制有利于西安分行穩(wěn)定可持續(xù)發(fā)展。本文對(duì)本行信貸管理制度現(xiàn)狀的正確理解和分析,構(gòu)建了恒豐銀行西安分行信貸管理體系框架,并提出了基于競(jìng)爭(zhēng)形勢(shì)的改進(jìn)對(duì)策。
[Abstract]:The credit management research of Hengfeng Bank Xi'an Branch is a dynamic process of discovering, identifying, nurturing and promoting. They all insist on constantly innovating management structure and methods on the basis of financial improvement, and constantly improve the comprehensive quality of employees. In this way, we can improve our own credit management level. With the further development of globalization in the world today, the level of informationization in various industries is constantly improving, and the world financial system is undergoing rapid changes. The scope of competition among banks has been transformed into the field of banks' own assets. The contents of the competition include the dissemination and utilization of information, advanced technology and culture. Although the Xian Branch of Hengfeng Bank has realized the importance of the credit management system, it has not been regarded as a bottleneck in the development of the bank. It may be that it has not really realized that the management of credit risk has transformed the bank's own business. Control risk ability, open up the important meaning of broader market. On the basis of synthesizing the main views of current academic circles on credit management, the theory of bank internal control and the credit situation of Xian Branch of Hengfeng Bank, this paper compares the research results of other banks by consulting a large number of research documents. According to the principle of reengineering, this paper points out the importance of innovation to the credit management of Xian Branch of Hengfeng Bank. The implementation of the credit management system in line with the objective management law and the correct enforcement measures are the basic guarantees for Hengfeng Bank Xi'an Branch to remain invincible in the fierce market competition. Comprehensive and effective control of risk is beneficial to the stable and sustainable development of Xi'an Branch. This paper has correctly understood and analyzed the present situation of the credit management system of Xian Branch of Hengfeng Bank, and constructed the framework of credit management system of Xian Branch of Hengfeng Bank. And put forward the improvement countermeasure based on the competition situation.
【學(xué)位授予單位】：西北大學(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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