【摘要】：隨著經(jīng)濟全球化的發(fā)展，我國的金融市場也正在發(fā)生深刻的變化，傳統(tǒng)的企業(yè)貸款的利潤不斷被壓縮，因此，商業(yè)銀行的逐漸發(fā)展和完善，對公授信業(yè)務(wù)也逐步在銀行興起。目前，銀行的收入渠道主要是資產(chǎn)業(yè)務(wù)和中間業(yè)務(wù)，而授信包含了大部分的中間業(yè)務(wù)，可以推動銀行中間業(yè)務(wù)、結(jié)算業(yè)務(wù)等的發(fā)展，因此，對公授信業(yè)務(wù)在我國的商業(yè)銀行起著十分重要的作用，通過授信結(jié)算業(yè)務(wù)，可以增加銀行的結(jié)算量，增加手續(xù)費和資金實力，另一方面能夠提高銀行的收益。把授信業(yè)務(wù)作為重要的拓展業(yè)務(wù)手段，甚至可以說是銀行里的支柱性業(yè)務(wù)。同時，，在授信業(yè)務(wù)開展的同時，授信業(yè)務(wù)也是銀行也是高風(fēng)險的業(yè)務(wù)之一。與不當會計行為、個人操作業(yè)務(wù)等相比，雖然對公授信業(yè)務(wù)的風(fēng)險發(fā)生率比較低，但是操作風(fēng)險的損失率卻遠大于前兩點行為。如果操作風(fēng)險與信用風(fēng)險一旦出現(xiàn)重復(fù)，發(fā)生的損失要遠大于信貸資產(chǎn)的損失，具有很大的風(fēng)險，也會給銀行造成很大的負面影響，引起銀行巨大的損失。如果銀行不能對授信業(yè)務(wù)的風(fēng)險進行很好的控制，公司的不良貸款大量增加，從而造成銀行的重大損失。 在經(jīng)濟日益發(fā)展的今天，金融市場的重大波動和風(fēng)險的不確定性，面對如此激烈的大環(huán)境下，就必須培養(yǎng)商業(yè)銀行的風(fēng)險管理能力、調(diào)整商業(yè)銀行的信貸結(jié)構(gòu)，通過加強對銀行的風(fēng)險控制能力，加強對公授信業(yè)務(wù)風(fēng)險的管理和應(yīng)用，從而推動商業(yè)銀行的發(fā)展。因此，授信業(yè)務(wù)的風(fēng)險控制的好壞，對商業(yè)銀行的發(fā)展起著決定性的作用。 本文以招商銀行濟南泉城路支行的G企業(yè)授信業(yè)務(wù)風(fēng)險管理研究為例，招商銀行濟南泉城路支行成立于2006年，在很多方面發(fā)展并不完善，具有很大的代表性。通過對招商銀行濟南泉城路支行對G企業(yè)對公授信的信貸風(fēng)險現(xiàn)狀以及存在的問題，并且分析了G企業(yè)授信業(yè)務(wù)存在問題的原因。針對這些問題，提出了對公授信業(yè)務(wù)信貸風(fēng)險的建議。并提出相關(guān)的措施降低信貸風(fēng)險。希望本文的研究能為完善我國商業(yè)銀行對公授信的風(fēng)險管理，從而為商業(yè)銀行的對公信貸風(fēng)險提供指導(dǎo)和借鑒。
[Abstract]:With the development of economic globalization, the financial market of our country is also undergoing profound changes, and the profits of traditional enterprise loans are constantly compressed. Therefore, with the gradual development and improvement of commercial banks, the business of public credit is also gradually rising in the banks. At present, the main revenue channels of banks are asset business and intermediate business, and credit grants include most intermediate business, which can promote the development of bank intermediary business and settlement business. Public credit business plays a very important role in commercial banks in our country, through credit settlement business, can increase the amount of bank settlement, increase the handling fee and capital strength, on the other hand, can improve the bank income. Credit as an important means of business expansion, can even be said to be the backbone of the bank business. At the same time, credit business is also one of the high-risk businesses. Compared with improper accounting behavior and personal operation business, although the risk rate of public credit business is relatively low, the loss rate of operational risk is much larger than that of the first two behaviors. If the operational risk and credit risk are duplicated, the loss will be much larger than the loss of credit assets, which has a great risk, and will also cause a great negative impact on the bank and cause huge losses to the bank. If the bank can't control the risk of the credit business well, the bad loan of the company will increase greatly, resulting in the loss of the bank. With the development of economy, the financial market fluctuates greatly and the risks are uncertain. In the face of such a fierce environment, it is necessary to train the risk management ability of commercial banks and adjust the credit structure of commercial banks. By strengthening the risk control ability of banks and strengthening the management and application of the risks of public credit business, the development of commercial banks can be promoted. Therefore, the risk control of credit business plays a decisive role in the development of commercial banks. This paper takes the risk management research of G enterprise credit business of Jinan Quancheng Road Branch of China Merchants Bank as an example. The branch of Jinan Quancheng Road of China Merchants Bank was established in 2006. Through the credit risk status and existing problems of Jinan Quancheng Road Branch of China Merchants Bank to G enterprises, this paper analyzes the causes of the problems in G enterprises. In view of these problems, some suggestions on credit risk of public credit business are put forward. And put forward relevant measures to reduce credit risk. It is hoped that the research in this paper can provide guidance and reference for the improvement of the risk management of the commercial banks to the public credit in our country and for the commercial banks to provide the guidance and reference to the public credit risk.
【學(xué)位授予單位】：云南師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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