廣發(fā)銀行HZ行對鋼貿企業(yè)信貸風險管理研究
發(fā)布時間：2019-04-01 17:27
【摘要】：商業(yè)銀行是現(xiàn)代金融體系組成部分的核心,是廣大老百姓及企業(yè)經(jīng)營戶進行金融活動的最為主要一個平臺,在現(xiàn)今的國民經(jīng)濟發(fā)展當中中扮占據(jù)著舉足輕重的位置。2007年8月美國次貸危機引發(fā)的全球性金融危機爆發(fā)以來,西方社會如美國、歐洲包括亞洲的日本等國家受到史上最嚴重的經(jīng)濟重挫,金融機構負重不堪更有甚者面臨破產(chǎn)倒閉或以破產(chǎn)倒閉諸如雷曼兄弟等。而國內銀行在國家的嚴密統(tǒng)籌部署下雖說損傷情況好于歐美等國但也受到了很大的影響,而諸多經(jīng)濟活躍地區(qū)如廣東江浙一帶依賴外向型經(jīng)濟發(fā)展的中小企業(yè)受大環(huán)境影響紛紛倒閉關停,數(shù)以萬計的老板姓下崗失業(yè)為社會和諧發(fā)展帶來了極其嚴重的負面影響,所以加強以銀行為主的金融機構活動的科學性、規(guī)范性,亟待解決。本人從事銀行業(yè)工作盡十年之久,現(xiàn)在就職于廣發(fā)銀行杭州分行主要從事信貸管理工作,而針對鋼貿企業(yè)的信貸風險管理工作也是我進幾年來多次涉及到的業(yè)務,在我MBA學習即將結束之時就鋼貿企業(yè)的信貸風險管理工作的提升作為我的畢業(yè)論文研究,為自己業(yè)務提升及銀行就此領域的提升并更好的服務于鋼貿企業(yè)做出點促進作用。 本篇文章依據(jù)確定問題存在--解析問題成因--處理問題的思路等的邏輯,通過對國內外成功的各種信貸風險管理研究的借鑒,同時貫穿廣發(fā)銀行HZ行目前的實際情況,點名了銀行在信貸風險管的理組織結構、信貸風險管理的方法、信貸風險的管理、信貸風險的流程等各個方面有著諸多的問題,一一的分析出現(xiàn)這些問題具體夫人原因,同時制定同時針對鋼貿企業(yè)的特性對以上各環(huán)節(jié)的設計進行研究。促進銀行與鋼貿企業(yè)的金融活動良性發(fā)展。
[Abstract]:Commercial banks are the core of the modern financial system and the most important platform for the general public and business operators to carry out financial activities. It plays an important role in the development of the national economy today. Since the outbreak of the global financial crisis caused by the US subprime mortgage crisis in August 2007, Western societies such as the United States, Countries in Europe, including Asia, such as Japan, have suffered the worst economic meltdown in history, and financial institutions are even more likely to face bankruptcy or bankruptcy, such as Lehman Brothers. And under the strict and coordinated deployment of the state, although the damage situation of domestic banks is better than that of Europe and the United States and other countries, it has also been greatly affected. And many economically active areas, such as the small and medium-sized enterprises relying on export-oriented economic development in the areas of Jiangsu and Zhejiang in Guangdong Province, have closed down and closed down one after another under the influence of the environment, and tens of thousands of laid-off bosses have brought about extremely serious negative effects on the harmonious development of society. Therefore, strengthening the activities of banks-based financial institutions is scientific, normative and urgent to be solved. I have been engaged in banking for ten years, and now I am mainly engaged in credit management at the Hangzhou Branch of Guangdong Development Bank, and the work of credit risk management for steel trade enterprises is also a business that I have been involved in many times in the past few years. At the end of my MBA study on the promotion of credit risk management in steel trade enterprises as my graduation thesis research for their own business promotion and banking upgrading in this field and better service to steel trade enterprises to do some promoting role. Based on the logic of determining the existence of the problem-analyzing the cause of the problem-how to deal with the problem, this paper draws lessons from the successful research on credit risk management at home and abroad, and at the same time runs through the actual situation of HZ Bank of Guangdong Development Bank at present. Listed the bank in the credit risk management organization structure, the credit risk management method, the credit risk management, the credit risk flow and so on each aspect has many problems, one by one analysis these problems the concrete wife reason, At the same time, the design of the above-mentioned links is studied according to the characteristics of the steel trade enterprises at the same time. To promote the sound development of financial activities of banks and steel trading enterprises.
【學位授予單位】：西北大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F426.31;F832.33
本文編號：2451736
[Abstract]:Commercial banks are the core of the modern financial system and the most important platform for the general public and business operators to carry out financial activities. It plays an important role in the development of the national economy today. Since the outbreak of the global financial crisis caused by the US subprime mortgage crisis in August 2007, Western societies such as the United States, Countries in Europe, including Asia, such as Japan, have suffered the worst economic meltdown in history, and financial institutions are even more likely to face bankruptcy or bankruptcy, such as Lehman Brothers. And under the strict and coordinated deployment of the state, although the damage situation of domestic banks is better than that of Europe and the United States and other countries, it has also been greatly affected. And many economically active areas, such as the small and medium-sized enterprises relying on export-oriented economic development in the areas of Jiangsu and Zhejiang in Guangdong Province, have closed down and closed down one after another under the influence of the environment, and tens of thousands of laid-off bosses have brought about extremely serious negative effects on the harmonious development of society. Therefore, strengthening the activities of banks-based financial institutions is scientific, normative and urgent to be solved. I have been engaged in banking for ten years, and now I am mainly engaged in credit management at the Hangzhou Branch of Guangdong Development Bank, and the work of credit risk management for steel trade enterprises is also a business that I have been involved in many times in the past few years. At the end of my MBA study on the promotion of credit risk management in steel trade enterprises as my graduation thesis research for their own business promotion and banking upgrading in this field and better service to steel trade enterprises to do some promoting role. Based on the logic of determining the existence of the problem-analyzing the cause of the problem-how to deal with the problem, this paper draws lessons from the successful research on credit risk management at home and abroad, and at the same time runs through the actual situation of HZ Bank of Guangdong Development Bank at present. Listed the bank in the credit risk management organization structure, the credit risk management method, the credit risk management, the credit risk flow and so on each aspect has many problems, one by one analysis these problems the concrete wife reason, At the same time, the design of the above-mentioned links is studied according to the characteristics of the steel trade enterprises at the same time. To promote the sound development of financial activities of banks and steel trading enterprises.
【學位授予單位】：西北大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F426.31;F832.33
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