本文選題：建設銀行河北分行 + 信貸風險　； 參考：《大連理工大學》2014年碩士論文

【摘要】：隨著我國金融行業(yè)的不斷發(fā)展,國內銀行的經(jīng)營環(huán)境發(fā)生了重大變化。商業(yè)銀行原有的信貸風險管理方式已經(jīng)無法滿足新形勢的需要,風險構成主體也由單一的政策性風險逐漸變成政策性風險、信用風險和市場風險互相交織的綜合性風險。伴隨著金融市場不斷發(fā)展,銀行信貸投放加速,信貸規(guī)模迅速擴張,銀行貸款的風險呈現(xiàn)出多樣化和擴大化的趨勢,因此建立一套適應當前銀行業(yè)發(fā)展的信貸風險管控體系是十分必要的。 針對建設銀行河北分行的現(xiàn)狀,本文采用多種研究方法,將實證研究、規(guī)范研究和案例研究相結合,通過對建設銀行河北分行的風險管理體系進行重新審視,找到原有信貸風險管理體系方面的弊端和不足。進而對銀行自身以及銀行所處的外部環(huán)境兩個角度,分析指出造成上述不足的原因。最后,提出解決方案：建立先進的信貸風險管理文化,完善建設銀行河北分行的內部控制制度,提高風險評估和信貸報告質量,強化信貸風險監(jiān)督與評價體系等,構建出一套信貸風險管控體系,改變傳統(tǒng)的商業(yè)銀行不顧風險、不計成本、粗放經(jīng)營的模式,以期對建設銀行河北分行的信貸風險管理有借鑒意義。
[Abstract]:With the continuous development of financial industry in China, the operating environment of domestic banks has undergone significant changes. The original credit risk management method of commercial banks has been unable to meet the needs of the new situation, the risk component has gradually changed from a single policy risk to a policy risk, credit risk and market risk intertwined with the comprehensive risk. With the continuous development of the financial market, the bank credit investment accelerates, the credit scale expands rapidly, the risk of the bank loan presents the tendency of diversification and expansion. Therefore, it is necessary to establish a set of credit risk management and control system suitable for the current banking development. In view of the present situation of Hebei Branch of China Construction Bank, this paper combines empirical research, normative research and case study with a variety of research methods. By reviewing the risk management system of China Construction Bank Hebei Branch, the defects and shortcomings of the original credit risk management system are found. Then, the reasons for these deficiencies are pointed out from the two angles of the banks themselves and the external environment of the banks. Finally, some solutions are put forward: establishing advanced credit risk management culture, perfecting the internal control system of Hebei Branch of China Construction Bank, improving the quality of risk assessment and credit reporting, strengthening the supervision and evaluation system of credit risk, etc. A set of credit risk management system is constructed to change the traditional commercial banks' mode of extensive operation regardless of risk, regardless of cost, in order to provide reference for credit risk management of Hebei Branch of China Construction Bank.
【學位授予單位】：大連理工大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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本文編號：2007063