本文選題：中信銀行甘肅分行　切入點(diǎn)：信貸結(jié)構(gòu)　出處：《蘭州大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：商業(yè)銀行是我國市場經(jīng)濟(jì)金融體系中處于核心位置的中介機(jī)構(gòu),也是金融系統(tǒng)的重要組成部分。商業(yè)銀行現(xiàn)階段亟須面對如何提高信貸業(yè)務(wù)質(zhì)量的課題。商業(yè)銀行信貸結(jié)構(gòu)是影響信貸業(yè)務(wù)質(zhì)量的重要因素之一。2009年以來,由于我國4萬億投資的刺激,我國商業(yè)銀行大幅擴(kuò)大信貸資金投放；同時受美國金融危機(jī)的影響,我國商業(yè)銀行紛紛加大對城市基礎(chǔ)設(shè)施建設(shè)、房地產(chǎn)、大型制造業(yè)等的信貸投放,造成信貸結(jié)構(gòu)失衡。因此調(diào)整信貸結(jié)構(gòu)是我國商業(yè)銀行必須面對和解決的問題。 本文以中信銀行甘肅分行信貸結(jié)構(gòu)調(diào)整為研究對象,是作者在為期三個月的實地調(diào)研的基礎(chǔ)上完成的。通過相關(guān)資料的匯總和總結(jié),對中信銀行甘肅分行2009年建行至今的信貸規(guī)模、信貸資金行業(yè)分布、信貸客戶信用水平、信貸客戶規(guī)模結(jié)構(gòu)以及信貸期限結(jié)構(gòu)等方面進(jìn)行分析,提出了中信銀行甘肅分行信貸結(jié)構(gòu)中存在的問題。以信息不對稱理論、風(fēng)險收益理論以及貸款組合理論等基礎(chǔ)理論為指導(dǎo),分析了影響中信銀行甘肅分行信貸結(jié)構(gòu)的四個因素。重點(diǎn)研究了中信銀行甘肅分行信貸結(jié)構(gòu)調(diào)整的具體目標(biāo)和針對性策略建議。對中信銀行甘肅分行信貸結(jié)構(gòu)調(diào)整策略的實現(xiàn)提出了措施建議。 本文的研究成果對優(yōu)化中信銀行甘肅分行信貸結(jié)構(gòu)調(diào)整策略具有重要參考價值,同時對其他股份制商業(yè)銀行的信貸結(jié)構(gòu)調(diào)整也會提供有益的借鑒。
[Abstract]:Commercial banks are the intermediary organizations in the core position in the financial system of market economy in our country. It is also an important part of the financial system. It is urgent for commercial banks to face the problem of how to improve the quality of credit business at the present stage. The credit structure of commercial banks is one of the important factors affecting the quality of credit business. Since 2009, Because of the stimulus of our country's 4 trillion investment, our commercial banks have greatly expanded their credit capital investment. At the same time, under the influence of the US financial crisis, our commercial banks have increased their efforts in urban infrastructure construction and real estate. The credit supply of large-scale manufacturing industry causes the imbalance of credit structure, so adjusting the credit structure is the problem that our commercial banks must face and solve. This paper takes the credit structure adjustment of CITIC Bank Gansu Branch as the research object, which is completed by the author on the basis of three months' field investigation. This paper analyzes the credit scale of CITIC Bank Gansu Branch since 2009, the distribution of credit funds, the credit level of credit customers, the size structure of credit customers and the term structure of credit. The problems in credit structure of Gansu Branch of CITIC Bank are put forward, which are guided by information asymmetry theory, risk return theory and loan combination theory. This paper analyzes the four factors that influence the credit structure of the Gansu Branch of CITIC Bank, and focuses on the specific objectives and suggestions for the adjustment of the credit structure of the Gansu Branch of CITIC Bank. The Adjustment of the Credit structure of the Gansu Branch of CITIC Bank. The implementation of the integration strategy is proposed. The research results of this paper have important reference value for optimizing credit structure adjustment strategy of CITIC Bank Gansu Branch, and will also provide useful reference for other joint-stock commercial banks.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F832.4

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