本文選題：對公貸款 + 操作風(fēng)險(xiǎn)��； 參考：《遼寧大學(xué)》2017年碩士論文

【摘要】：當(dāng)前,我國銀行業(yè)面臨的內(nèi)部產(chǎn)業(yè)環(huán)境和外部經(jīng)濟(jì)環(huán)境都在發(fā)生深刻變化,銀行的不良資產(chǎn)持續(xù)大幅攀升,公司類貸款不良率惡化較快,各大銀行都存在大量無法收回的對公貸款。同時(shí),商業(yè)銀行的部分對公客戶盲目擴(kuò)張資產(chǎn)規(guī)模,過分追逐利潤,向銀行貸出大量不匹配企業(yè)生產(chǎn)規(guī)模的資金盲目使用,最終利潤成果不達(dá)標(biāo)貸出資金難以歸還,無法歸還的資金進(jìn)而形成銀行的不良資產(chǎn)。因此,我們必須深刻的認(rèn)識到,在銀行的貸款業(yè)務(wù)中,對公貸款成為帶給銀行盈利動力的重要業(yè)務(wù)的同時(shí),對公貸款也是具備了很大潛在風(fēng)險(xiǎn)的一項(xiàng)銀行業(yè)務(wù)。在新環(huán)境和新要求之下,我們要清晰的看到商業(yè)銀行發(fā)展存在的挑戰(zhàn)。從銀行業(yè)自身的風(fēng)險(xiǎn)管理角度來看,操作風(fēng)險(xiǎn)管理對銀行的風(fēng)險(xiǎn)控制和內(nèi)部控制更加具備深刻意義,整個(gè)操作風(fēng)險(xiǎn)管理貫穿了對公貸款授信業(yè)務(wù)的整個(gè)過程。操作風(fēng)險(xiǎn)的管理主要包含了人員和制度兩方面的管理,可以通過人員規(guī)范和制度規(guī)范來規(guī)避潛在的操作風(fēng)險(xiǎn),事實(shí)上操作風(fēng)險(xiǎn)也是三大風(fēng)險(xiǎn)中可控性最強(qiáng)的一項(xiàng)風(fēng)險(xiǎn),是可以通過完善對公貸款操作風(fēng)險(xiǎn)管理制度和提升對公貸款工作人員業(yè)務(wù)水平來進(jìn)行規(guī)避的一種風(fēng)險(xiǎn)。所以,研究FS分行對公貸款操作風(fēng)險(xiǎn)管理具有一定的現(xiàn)實(shí)意義和價(jià)值。本文將銀行對公貸款的操作風(fēng)險(xiǎn)管理作為選題,深刻剖析FS分行在對公貸款操作風(fēng)險(xiǎn)管理方面存在的不足,并提出相關(guān)的完善措施。本文共包括四個(gè)部分進(jìn)行論證分析。本文緒論部分簡述了商業(yè)銀行對公貸款業(yè)務(wù)相關(guān)的時(shí)代背景和研究意義,簡述了本文的研究內(nèi)容以及所使用的研究方法。案例描述部分一方面對FS分行的情況進(jìn)行了簡要的介紹,另一方面描述了 FS分行對公貸款操作相關(guān)的四個(gè)案例,反映FS分行在對公貸款操作風(fēng)險(xiǎn)管理方面的基本情況。本文第三部分對FS分行對公貸款操作風(fēng)險(xiǎn)管理存在的問題進(jìn)行研究,深刻剖析了存在問題的相關(guān)原因。本文第四部分針對FS分行對公貸款操作風(fēng)險(xiǎn)管理的現(xiàn)狀提出了一些合理的建議,切實(shí)有效的避免不必要的風(fēng)險(xiǎn),降低FS分行的不良對公貸款數(shù)額,提升FS分行的資產(chǎn)質(zhì)量,進(jìn)而促進(jìn)FS分行的良好發(fā)展。
[Abstract]:At present, both the internal industrial environment and the external economic environment facing our banking industry are undergoing profound changes. The non-performing assets of banks continue to rise substantially, and the rate of corporate loans is deteriorating rapidly. Large banks have large uncollectible public loans. At the same time, some commercial banks blindly expand the scale of their assets to public customers, excessively pursue profits, lend a large number of funds to banks that do not match the production scale of enterprises, and use them blindly, so that the final profits are not up to standard and the funds lent out are difficult to return. Funds that cannot be repaid form the bad assets of the bank. Therefore, we must deeply realize that, in the bank loan business, the public loan has become an important business to bring profit to the bank, at the same time, the public loan is also a banking business with great potential risks. In the new environment and new requirements, we should clearly see the development of commercial banks challenges. From the point of view of risk management of banking itself, operational risk management has more profound significance to the risk control and internal control of banks, and the whole operation risk management runs through the whole process of public loan credit business. The management of operational risk mainly includes the management of personnel and system, which can avoid the potential operational risk through personnel norms and system norms. In fact, operational risk is also the most controllable one of the three major risks. It is a kind of risk that can be avoided by perfecting the operating risk management system of public loan and improving the professional level of public loan staff. Therefore, the study of FS branch is of practical significance and value to the operational risk management of public loans. In this paper, the operational risk management of banks to public loans as a topic, in-depth analysis of FS branch in the operational risk management of public loans, and put forward the relevant improvement measures. This paper includes four parts for demonstration and analysis. The introduction part of this paper briefly describes the background and significance of commercial banks' research on the public loan business, the research content and the research methods used in this paper. In the case description part, on the one hand, the situation of FS branch is briefly introduced, on the other hand, four cases related to the operation of FS branch on public loan are described, which reflect the basic situation of FS branch in risk management of public loan operation. In the third part of this paper, the problems existing in the operational risk management of FS branch on public loans are studied, and the related causes of the problems are deeply analyzed. In the fourth part of this paper, some reasonable suggestions are put forward to avoid unnecessary risks, reduce the amount of non-performing loans, and improve the asset quality of FS branch. Then promote the good development of FS branch.
【學(xué)位授予單位】：遼寧大學(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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