【摘要】：隨著中國經(jīng)濟(jì)持續(xù)快速的增長、國家經(jīng)濟(jì)結(jié)構(gòu)調(diào)整、貨幣金融體系改革提速，給中國銀行業(yè)的發(fā)展帶來了有利的市場(chǎng)環(huán)境和前所未有的發(fā)展機(jī)遇，，但與此同時(shí)，國內(nèi)外經(jīng)濟(jì)發(fā)展不確定性也隨之增強(qiáng)，再加之國內(nèi)外金融監(jiān)管變革提速、利率市場(chǎng)化的推進(jìn)和金融脫媒的加劇，對(duì)國內(nèi)的商業(yè)銀行準(zhǔn)確判斷市場(chǎng)形勢(shì)、科學(xué)確定發(fā)展戰(zhàn)略提出了更高的要求，我國商業(yè)銀行要想繼續(xù)推進(jìn)戰(zhàn)略轉(zhuǎn)型，持續(xù)構(gòu)建多元化、綜合化的業(yè)務(wù)布局，就必須利用其規(guī)模優(yōu)勢(shì)、品牌優(yōu)勢(shì)、產(chǎn)品流程和科技創(chuàng)新優(yōu)勢(shì)，加快產(chǎn)品創(chuàng)新，從而尋找到適合自身且可持續(xù)的發(fā)展之路。 我國商業(yè)銀行的資產(chǎn)業(yè)務(wù)結(jié)構(gòu)發(fā)生了一定程度上的改變，存貸比呈現(xiàn)出一定的下降趨勢(shì)，但信貸業(yè)務(wù)占資產(chǎn)業(yè)務(wù)的比例仍然超過60%，在環(huán)境日益復(fù)雜多變的情況下，對(duì)銀行信貸業(yè)務(wù)的發(fā)展進(jìn)行合理控制，對(duì)現(xiàn)代商業(yè)銀行的可持續(xù)經(jīng)營具有非常重要的理論與現(xiàn)實(shí)意義。本文從國內(nèi)銀行業(yè)信貸業(yè)務(wù)發(fā)展創(chuàng)新這一角度出發(fā)，對(duì)國內(nèi)外商業(yè)銀行信貸業(yè)務(wù)發(fā)展現(xiàn)狀、發(fā)展趨勢(shì)、存在的差距及如何借鑒先進(jìn)經(jīng)驗(yàn)等問題進(jìn)行了深入分析，形成了本文的理論基礎(chǔ)。其次，分析了德州銀行的信貸業(yè)務(wù)運(yùn)行現(xiàn)狀，對(duì)德州銀行的信貸運(yùn)行現(xiàn)狀做出了總體描述，包括主要的經(jīng)營指標(biāo)和信貸結(jié)構(gòu)分析。再次，探討了德州銀行信貸管理存在的問題，深層次挖掘了現(xiàn)有問題出現(xiàn)的原因。對(duì)于上述問題，本文提出了加強(qiáng)信貸管理的建議，希望通過本文對(duì)信貸管理的一些有益初探，能夠?qū)Φ轮葶y行信貸業(yè)務(wù)的可持續(xù)發(fā)展提供一些思路和幫助。
[Abstract]:With the sustained and rapid growth of China's economy, the adjustment of the national economic structure and the acceleration of the reform of the monetary and financial system, it has brought favorable market environment and unprecedented development opportunities to the development of China's banking industry, but at the same time, With the increase of uncertainty in economic development at home and abroad, coupled with the acceleration of financial supervision reform at home and abroad, the promotion of interest rate marketization and the aggravation of financial disintermediation, the domestic commercial banks can accurately judge the market situation. Scientific determination of development strategy has put forward higher requirements. If China's commercial banks want to continue to promote strategic transformation and continue to build a diversified and integrated business layout, they must make use of their scale advantages and brand advantages. Product process and scientific and technological innovation advantages, speed up product innovation, so as to find a suitable and sustainable way of development. The asset business structure of commercial banks in China has changed to a certain extent, and the ratio of deposit to loan has shown a certain downward trend, but the proportion of credit business in asset business is still more than 60%. Under the condition of increasingly complex and changeable environment, Reasonable control of the development of bank credit business is of great theoretical and practical significance to the sustainable operation of modern commercial banks. From the point of view of the development and innovation of domestic banking credit business, this paper makes a deep analysis of the present situation, development trend, existing gap and how to draw lessons from advanced experience of credit business of commercial banks at home and abroad. It forms the theoretical basis of this paper. Secondly, it analyzes the current situation of Texas Bank's credit business, and makes an overall description of the current situation of Texas Bank's credit operation, including the main operating indicators and credit structure analysis. Thirdly, this paper probes into the problems existing in the credit management of Texas Bank, and deeply excavates the causes of the existing problems. For the above problems, this paper puts forward some suggestions to strengthen credit management, hoping that through some useful exploration of credit management in this paper, it can provide some ideas and help for the sustainable development of credit business in Texas Bank.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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