本文選題：商業(yè)銀行 + 信貸決策��； 參考：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2014年碩士論文

【摘要】：商業(yè)銀行信貸業(yè)務(wù)是我國(guó)商業(yè)銀行的傳統(tǒng)業(yè)務(wù)，也是最為核心的業(yè)務(wù)，其作為商業(yè)銀行資產(chǎn)中的最重要組成部分，是創(chuàng)造利潤(rùn)的主要來(lái)源之一。然而，信貸業(yè)務(wù)在為商業(yè)銀行創(chuàng)造收益的同時(shí)，也必然伴隨著風(fēng)險(xiǎn)。商業(yè)銀行作為借貸關(guān)系中的債權(quán)人，時(shí)刻面臨著借款人是否能夠按期還本付息的不確定性，這就構(gòu)成了信貸風(fēng)險(xiǎn)。如果借款人出現(xiàn)違約現(xiàn)象，無(wú)法足額償還銀行債務(wù)，則銀行會(huì)遭受貸款本金的損失。因此，商業(yè)銀行為了防范信貸風(fēng)險(xiǎn)，降低客戶(hù)違約以及貸款本金損失的概率，在信貸決策的過(guò)程中必然會(huì)對(duì)借款客戶(hù)的資信水平、償債能力等方面進(jìn)行調(diào)查與評(píng)判。同時(shí)，商業(yè)銀行信貸決策水平的高低也直接決定了其信貸資產(chǎn)質(zhì)量的好壞以及利潤(rùn)創(chuàng)造能力的強(qiáng)弱。在此背景下，研究商業(yè)銀行信貸決策行為對(duì)提高信貸決策水平與信貸決策效率，提升銀行經(jīng)營(yíng)水平，以及完善我國(guó)商業(yè)銀行信貸決策體系有著重要意義。 本文所研究的是商業(yè)銀行在面對(duì)借款企業(yè)眾多的各類(lèi)信息時(shí)，是如何進(jìn)行識(shí)別、篩選、分析并加以利用到銀行對(duì)客戶(hù)的信貸決策行為中，即銀行在進(jìn)行貸款決策時(shí)主要考慮哪些方面的因素，，不同的約束條件會(huì)對(duì)銀行貸款決策行為產(chǎn)生哪些影響，銀行為客戶(hù)發(fā)放貸款是否存在某些偏好等，對(duì)上述問(wèn)題進(jìn)行解答是本文研究的起點(diǎn)。本文以我國(guó)某國(guó)有大型商業(yè)銀行下轄某一級(jí)分行截至2013年12月31日的公司類(lèi)貸款數(shù)據(jù)樣本為研究對(duì)象，并通過(guò)參考以往文獻(xiàn)和前人的研究結(jié)果，以及自身對(duì)銀行信貸決策問(wèn)題的理解和研究興趣，選取了多個(gè)有代表性的要素，并建立了銀行信貸決策與這些要素間關(guān)系的研究模型，通過(guò)邏輯回歸的實(shí)證分析方法得出哪些要素在銀行信貸決策行為過(guò)程中起到了關(guān)鍵的作用與影響，并提出相應(yīng)結(jié)論與建議。 本文對(duì)于進(jìn)一步優(yōu)化我國(guó)商業(yè)銀行信貸決策行為、提高信貸市場(chǎng)效率、防范與控制信用風(fēng)險(xiǎn)都有著重要的積極作用。
[Abstract]:Commercial bank credit is the traditional business and the core business of commercial banks in China. As the most important part of commercial bank assets, it is one of the main sources of profit creation. However, the credit business creates the profit for the commercial bank at the same time, also inevitably accompanies the risk. Commercial banks, as creditors in the loan relationship, are always faced with the uncertainty of whether the borrower can repay the principal and interest on time, which constitutes the credit risk. If the borrower defaults and fails to repay the bank's debt in full, the bank will suffer losses on the principal of the loan. Therefore, in order to prevent credit risk and reduce the probability of customers' default and loss of loan principal, commercial banks will certainly investigate and judge the credit level and solvency of loan customers in the process of credit decision. At the same time, the credit decision level of commercial banks directly determines the quality of credit assets and the strength of profit creation ability. In this context, it is of great significance to study the credit decision-making behavior of commercial banks to improve the level and efficiency of credit decision-making, to improve the management level of banks, and to improve the credit decision-making system of commercial banks in China. This paper studies how the commercial banks identify, screen, analyze and utilize the credit decision-making behavior of the bank to the customers in the face of the various kinds of information of the borrowing enterprises, and how to identify, screen, analyze and use it in the face of the various kinds of information of the loan enterprises. That is, what factors should be considered when banks make loan decisions, what factors will be affected by different constraints, whether there are some preferences in granting loans to customers, and so on. The answer to the above question is the starting point of this paper. In this paper, the sample of corporate loan data from a branch of a large state-owned commercial bank as of December 31, 2013 is taken as the research object, and by referring to the previous literature and previous research results, As well as its own understanding and research interest in bank credit decision making, this paper selects several representative elements, and establishes a research model of the relationship between bank credit decision and these elements. Through the empirical analysis method of logical regression, we can find out which factors play a key role and influence in the decision-making process of bank credit, and put forward the corresponding conclusions and suggestions. This paper plays an important and positive role in further optimizing the credit decision-making behavior of Chinese commercial banks, improving the efficiency of credit market, and preventing and controlling credit risk.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4

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