本文選題：信貸風(fēng)險(xiǎn) + 有效管理��； 參考：《山東理工大學(xué)》2017年碩士論文

【摘要】：近年來,市場經(jīng)濟(jì)迅速發(fā)展,國內(nèi)商業(yè)銀行信貸政策逐漸寬松,各商業(yè)銀行間的競爭卻愈演愈烈,商業(yè)銀行在發(fā)展過程中面臨的挑戰(zhàn)越來越嚴(yán)峻。隨著經(jīng)濟(jì)環(huán)境的不斷調(diào)整,市場對(duì)商業(yè)銀行提出了更高要求,特別是亟需提高商業(yè)銀行風(fēng)險(xiǎn)管理水平。當(dāng)前商業(yè)銀行在拓展信貸業(yè)務(wù)的過程中急需提升風(fēng)險(xiǎn)管理意識(shí),針對(duì)信貸風(fēng)險(xiǎn)制定科學(xué)有效的策略,充分降低風(fēng)險(xiǎn)。這就要求商業(yè)銀行重視信貸風(fēng)險(xiǎn)的管控,對(duì)既有的管控體系進(jìn)行優(yōu)化調(diào)整,強(qiáng)化信貸數(shù)據(jù)的分析。對(duì)此,深入分析研究商業(yè)銀行信貸風(fēng)險(xiǎn)管理是很有必要的。AZK銀行重視對(duì)信貸風(fēng)險(xiǎn)的有效識(shí)別和防范,努力探索建立加強(qiáng)客戶信貸風(fēng)險(xiǎn)管理的機(jī)制和方法,但是在信貸風(fēng)險(xiǎn)管理機(jī)制上還存在欠缺。AZK銀行目前存在信貸資產(chǎn)結(jié)構(gòu)失衡、客戶信息披露審查不嚴(yán)謹(jǐn)、信貸風(fēng)險(xiǎn)分析方法不完善、信貸風(fēng)險(xiǎn)管理觀念較陳舊、缺乏專業(yè)獨(dú)立的風(fēng)險(xiǎn)管理隊(duì)伍、當(dāng)?shù)卣倪^度干預(yù)、市場信息不對(duì)稱等問題。由此導(dǎo)致AZK銀行信貸資產(chǎn)質(zhì)量存在較大的風(fēng)險(xiǎn),嚴(yán)重制約了銀行的發(fā)展。如何對(duì)信貸風(fēng)險(xiǎn)進(jìn)行有效管理是目前學(xué)術(shù)領(lǐng)域以及商業(yè)銀行急需應(yīng)對(duì)的問,本文由此提出了加強(qiáng)AZK銀行信貸風(fēng)險(xiǎn)有效管理的對(duì)策建議。論文在管理學(xué)、金融學(xué)等理論的基礎(chǔ)上,對(duì)當(dāng)前國內(nèi)外信貸風(fēng)險(xiǎn)管理文獻(xiàn)進(jìn)行了梳理,在對(duì)當(dāng)今信貸業(yè)務(wù)的風(fēng)險(xiǎn)管理情況進(jìn)行了歸納總結(jié),對(duì)存在的問題進(jìn)行了揭示并實(shí)現(xiàn)了原因分析。借鑒國內(nèi)外主流的信貸風(fēng)險(xiǎn)管控手段,基于提升風(fēng)險(xiǎn)管理理念、健全風(fēng)險(xiǎn)管理系統(tǒng)、優(yōu)化風(fēng)險(xiǎn)管控方法等角度出發(fā),就如何促進(jìn)銀行風(fēng)險(xiǎn)管理水平的提高進(jìn)行了探討,以此不斷地推動(dòng)商業(yè)銀行信貸風(fēng)險(xiǎn)管理工作的快速發(fā)展。
[Abstract]:In recent years, with the rapid development of market economy, the credit policy of domestic commercial banks is gradually relaxed, but the competition among commercial banks is becoming more and more fierce. The challenges faced by commercial banks in the process of development are becoming more and more severe. With the continuous adjustment of the economic environment, the market has put forward higher requirements for commercial banks, especially the need to improve the level of risk management of commercial banks. In the process of expanding credit business, commercial banks urgently need to raise the awareness of risk management, formulate scientific and effective strategies for credit risk, and fully reduce risk. This requires commercial banks to attach importance to the management of credit risk, optimize and adjust the existing control system, and strengthen the analysis of credit data. In view of this, it is necessary to deeply analyze and study the credit risk management of commercial banks. AZK Bank attaches importance to the effective identification and prevention of credit risk, and tries to explore the mechanism and methods of strengthening customer credit risk management. However, in the credit risk management mechanism, there is still a lack of. AZK bank credit asset structure imbalance, customer information disclosure review is not rigorous, credit risk analysis method is not perfect, credit risk management concept is outmoded. Lack of professional independent risk management team, local government excessive intervention, market information asymmetry and so on. As a result, AZK bank credit asset quality has a greater risk, seriously restricting the development of banks. How to effectively manage credit risk is an urgent problem in academic field and commercial banks. This paper puts forward some countermeasures and suggestions to strengthen the effective management of credit risk in AZK bank. On the basis of the theories of management and finance, the paper combs the current domestic and international literature on credit risk management, and summarizes the risk management situation of credit business. The existing problems are revealed and the reasons are analyzed. Based on improving the risk management concept, perfecting the risk management system and optimizing the risk management methods, this paper discusses how to improve the risk management level of the bank, based on the main credit risk management methods at home and abroad, such as improving the risk management concept, improving the risk management system, and optimizing the risk management methods. In order to continuously promote the rapid development of commercial bank credit risk management.
【學(xué)位授予單位】：山東理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 年志遠(yuǎn);王相東;;國有商業(yè)銀行信貸問題的制度性成因分析[J];經(jīng)濟(jì)體制改革;2014年02期

2 陳暉;;國有商業(yè)銀行制度變遷的理性選擇模型——兼論國有商業(yè)銀行經(jīng)理人行為的作用[J];濟(jì)源職業(yè)技術(shù)學(xué)院學(xué)報(bào);2012年02期

3 韓明;;國外商業(yè)銀行員工激勵(lì)機(jī)制帶來的啟示[J];中國西部科技;2012年05期

4 高建;王晨;;關(guān)于商業(yè)銀行信貸風(fēng)險(xiǎn)管理流程再造的幾點(diǎn)思考[J];中國集體經(jīng)濟(jì);2012年09期

5 張藝;楊艷;;花旗銀行激勵(lì)制度研究[J];經(jīng)營管理者;2012年06期

6 郭小波;王婉婷;周欣;;我國中小企業(yè)信貸風(fēng)險(xiǎn)識(shí)別因子的有效性分析——基于北京地區(qū)中小企業(yè)的信貸數(shù)據(jù)[J];國際金融研究;2011年04期

7 張潔;;關(guān)于我國農(nóng)村信貸制度的幾點(diǎn)思考[J];長春理工大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2011年03期

8 沈雪麗;;商業(yè)銀行防范信貸風(fēng)險(xiǎn)的原則與措施探討[J];經(jīng)濟(jì)研究導(dǎo)刊;2011年07期

9 劉倩;卞姍姍;;以《巴塞爾協(xié)議Ⅲ》為視角的:我國銀行業(yè)貸款風(fēng)險(xiǎn)管理問題研究[J];中國證券期貨;2011年02期

10 程雪梅;段云松;;中美商業(yè)銀行激勵(lì)機(jī)制比較分析[J];市場論壇;2011年02期

相關(guān)碩士學(xué)位論文 前3條

1 王海寧;中國建設(shè)銀行遼寧分行中小企業(yè)信貸風(fēng)險(xiǎn)管理研究[D];吉林大學(xué);2012年

2 劉一萌;工商銀行沈陽分行信貸風(fēng)險(xiǎn)管理現(xiàn)狀及對(duì)策研究[D];吉林大學(xué);2012年

3 皇月洲;我國商業(yè)銀行信貸風(fēng)險(xiǎn)管理的現(xiàn)狀及對(duì)策思考[D];西南交通大學(xué);2009年

，

本文編號(hào)：2044488