發(fā)布時(shí)間：2018-04-11 03:38

  本文選題：信貸風(fēng)險(xiǎn) + 信用風(fēng)險(xiǎn)　； 參考：《東北大學(xué)》2014年碩士論文

【摘要】：信貸業(yè)務(wù)是建行RH支行的最主要業(yè)務(wù)種類,對(duì)支行的發(fā)展起到關(guān)鍵作用。結(jié)合目前中國(guó)銀行業(yè)的實(shí)際情況來看,信貸風(fēng)險(xiǎn)由信用風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)的構(gòu)成,對(duì)信貸風(fēng)險(xiǎn)的管理關(guān)系銀行的生存能力和競(jìng)爭(zhēng)力。近年來,從理論角度來講,風(fēng)險(xiǎn)管理的研究集中在對(duì)風(fēng)險(xiǎn)的量化上,風(fēng)險(xiǎn)計(jì)量逐漸向模型化方向發(fā)展。而在實(shí)踐中,商業(yè)銀行對(duì)各種風(fēng)險(xiǎn)的管理還在摸索中曲折前進(jìn),全面風(fēng)險(xiǎn)管理理論的框架對(duì)商業(yè)銀行風(fēng)險(xiǎn)管理有指導(dǎo)意義。本文敘述了RH支行信貸業(yè)務(wù)的現(xiàn)狀,通過對(duì)RH支行信貸業(yè)務(wù)流程和信貸風(fēng)險(xiǎn)管理現(xiàn)行做法的逐步剖析,結(jié)合信貸資產(chǎn)中值得關(guān)注的非正常類貸款的案例,對(duì)照風(fēng)險(xiǎn)管理的基本流程框架,提出RH支行在信貸風(fēng)險(xiǎn)管理中,在風(fēng)險(xiǎn)選擇、識(shí)別、計(jì)量、應(yīng)對(duì)這幾個(gè)方面存在的問題。具體而言,RH支行信貸風(fēng)險(xiǎn)管理存在的問題有：信貸結(jié)構(gòu)不合理、盡職調(diào)查工作不全面、貸后管理流于形式、評(píng)級(jí)與分類結(jié)果不準(zhǔn)確、風(fēng)險(xiǎn)緩釋措施管理有缺陷和貸后風(fēng)險(xiǎn)應(yīng)對(duì)能力薄弱。這些問題的成因可以從建設(shè)銀行外部、建設(shè)銀行內(nèi)部和RH支行的內(nèi)部因素進(jìn)行分析,具體可以歸納為信息不對(duì)稱、建設(shè)銀行的信貸制度和崗位設(shè)置不完善以及RH支行信貸風(fēng)險(xiǎn)管理理念落后并且風(fēng)險(xiǎn)管理激勵(lì)措施不到位。對(duì)應(yīng)提出的問題,論文最后給出了多渠道搜集客戶信息、保證貸前調(diào)查的中立性、加強(qiáng)對(duì)客戶賬戶監(jiān)測(cè)、增強(qiáng)風(fēng)險(xiǎn)敏感性、積極主動(dòng)化解貸后風(fēng)險(xiǎn)和強(qiáng)化風(fēng)險(xiǎn)緩釋措施管理、建立穩(wěn)健信貸資產(chǎn)組合、通過優(yōu)化內(nèi)控來控制操作風(fēng)險(xiǎn)的具體對(duì)策。
[Abstract]:Credit business is the most important business type of CCB RH branch, which plays a key role in the development of CCB RH branch.According to the actual situation of China's banking industry, credit risk is composed of credit risk and operational risk, and the management of credit risk is related to the viability and competitiveness of banks.In recent years, the research of risk management has focused on the quantification of risk, and risk measurement has gradually developed towards modeling.In practice, the management of various risks of commercial banks is still twists and turns, the framework of the comprehensive risk management theory has guiding significance for the risk management of commercial banks.This paper describes the present situation of RH branch credit business, through the analysis of RH branch credit business process and credit risk management practice step by step, combined with the case of abnormal loan in credit assets.In contrast to the basic process framework of risk management, this paper puts forward the problems of RH branch in credit risk management, risk selection, identification, measurement and response.In particular, the problems in credit risk management of RH branch are: the credit structure is unreasonable, the due diligence work is not comprehensive, the post-loan management is mere formality, and the results of rating and classification are not accurate.The management of risk mitigation measures is defective and the ability to deal with risk after loan is weak.The causes of these problems can be analyzed from the external factors of CCB, the internal factors of CCB and RH branch, which can be summed up as asymmetric information.The credit system and post setting of China Construction Bank are not perfect, and the RH branch credit risk management concept is backward and the incentive measures of risk management are not in place.According to the questions raised, the paper finally gives a multi-channel collection of customer information, to ensure the neutrality of pre-loan investigation, to strengthen the monitoring of customer accounts, to enhance risk sensitivity, to actively resolve post-loan risks and to strengthen risk mitigation measures management.To establish a sound portfolio of credit assets, through optimization of internal control to control operational risk specific countermeasures.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前2條

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本文編號(hào)：1734283