【摘要】：20世紀(jì)初,集團(tuán)化發(fā)展成為企業(yè)成長(zhǎng)的主流模式,我國(guó)企業(yè)集團(tuán)也開始蓬勃發(fā)展。對(duì)銀行來說,企業(yè)集團(tuán)以大資產(chǎn)數(shù)額作為信號(hào),顯示了其較強(qiáng)的市場(chǎng)競(jìng)爭(zhēng)能力和抗風(fēng)險(xiǎn)能力,集團(tuán)客戶成為各家銀行競(jìng)相追逐的對(duì)象。但就風(fēng)險(xiǎn)而言,集團(tuán)客戶存在貸款集中度高、風(fēng)險(xiǎn)隱蔽性強(qiáng)等信貸風(fēng)險(xiǎn),例如許多企業(yè)集團(tuán)存在盲目擴(kuò)張、虛假資產(chǎn)、過度擔(dān)保、財(cái)務(wù)杠桿率過高等問題,這些企業(yè)集團(tuán)的風(fēng)險(xiǎn)具有很強(qiáng)的隱蔽性,特別是在經(jīng)濟(jì)繁榮時(shí)期。當(dāng)經(jīng)濟(jì)處于下行時(shí)期,企業(yè)效益受經(jīng)濟(jì)環(huán)境影響大幅下滑,隱藏的財(cái)務(wù)風(fēng)險(xiǎn)就會(huì)暴露。風(fēng)險(xiǎn)暴露后多呈現(xiàn)多米諾效應(yīng),與之而來的銀行相關(guān)關(guān)聯(lián)企業(yè)群的資金鏈就會(huì)發(fā)生斷裂,給銀行造成較大資產(chǎn)損失。因此,集團(tuán)客戶的信貸風(fēng)險(xiǎn)管理是銀行信貸資產(chǎn)風(fēng)險(xiǎn)管理的重中之重。 論文以國(guó)家開發(fā)銀行甘肅省分行為研究對(duì)象,通過對(duì)集團(tuán)客戶信貸風(fēng)險(xiǎn)現(xiàn)狀及成因分析、信貸風(fēng)險(xiǎn)管理機(jī)制分析,理清開發(fā)銀行甘肅分行集團(tuán)客戶信貸風(fēng)險(xiǎn)管理中存在的問題。結(jié)合工作實(shí)踐,提出開發(fā)銀行甘肅分行集團(tuán)客戶信貸風(fēng)險(xiǎn)管理對(duì)策,力圖對(duì)集團(tuán)客戶信貸風(fēng)險(xiǎn)管理工作予以啟示,拓展集團(tuán)客戶信貸風(fēng)險(xiǎn)管理問題的解決思路并希望為相關(guān)理論研究提供實(shí)踐支持。
[Abstract]:At the beginning of 20 ~ (th) century, collectivization developed into the mainstream mode of enterprise growth, and Chinese enterprise group began to flourish. For the banks, the large amount of assets is the signal of the enterprise group, which shows its strong market competitiveness and anti-risk ability, and the group customers become the object of each bank chasing after each other. However, in terms of risks, group customers have credit risks such as high loan concentration and high risk concealment. For example, many enterprise groups have problems such as blind expansion, false assets, excessive guarantee, excessive financial leverage, and so on. The risks of these conglomerates are highly hidden, especially in times of economic prosperity. When the economy is in the downward period, the enterprise benefit is affected by the economic environment, the hidden financial risk will be exposed. After risk exposure, there is domino effect, and the capital chain of related enterprises will break, which will result in a large loss of assets to the bank. Therefore, the credit risk management of group customers is the most important part of bank credit asset risk management. This paper takes Gansu Branch of China Development Bank as the research object, analyzes the present situation and causes of group customer credit risk, and analyzes the mechanism of credit risk management, and clarifies the problems existing in the management of group credit risk of Gansu Branch of China Development Bank. Combined with the working practice, this paper puts forward the countermeasures of the group credit risk management of Gansu Branch of the Development Bank, and tries to enlighten the group customer credit risk management work. To expand the group customer credit risk management solutions and hope to provide practical support for relevant theoretical research.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.3;F832.4

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