發(fā)布時(shí)間：2018-01-09 18:04

  本文關(guān)鍵詞：A銀行固定資產(chǎn)貸款項(xiàng)目評估業(yè)務(wù)存在問題及改善建議　出處：《云南大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 固定資產(chǎn)貸款 項(xiàng)目評估

【摘要】：固定資產(chǎn)貸款是我國大型商業(yè)銀行當(dāng)前息差盈利模式下最重要的資產(chǎn)業(yè)務(wù)之一,該項(xiàng)業(yè)務(wù)具有金額大、周期長、項(xiàng)目復(fù)雜等特點(diǎn),該業(yè)務(wù)的發(fā)展直接影響銀行盈利水平及貸款風(fēng)險(xiǎn)的控制效果,而固定資產(chǎn)貸款業(yè)務(wù)評價(jià)過程較為復(fù)雜,同時(shí)也是各商業(yè)銀行長期以來不斷探索研究的領(lǐng)域。 固定資產(chǎn)貸款項(xiàng)目評估是A銀行的傳統(tǒng)業(yè)務(wù)優(yōu)勢,經(jīng)過30多年發(fā)展,已形成了較為完善的評估方法和業(yè)務(wù)運(yùn)作體系,在保障和促進(jìn)全行業(yè)務(wù)發(fā)展中發(fā)揮了重要作用。但是,隨著傳統(tǒng)產(chǎn)業(yè)的轉(zhuǎn)型升級以及新興產(chǎn)業(yè)的興起,此項(xiàng)傳統(tǒng)優(yōu)勢逐步喪失。多年來,各大銀行都在以A銀行作為趕超目標(biāo),加快培育發(fā)展自身的項(xiàng)目評估能力。雖然A銀行在固定資產(chǎn)項(xiàng)目評估業(yè)務(wù)領(lǐng)域已取得了一定成效,但仍存在項(xiàng)目評估專業(yè)能力建設(shè)后勁不足、專業(yè)隊(duì)伍培養(yǎng)青黃不接等問題,特別是項(xiàng)目評估方法標(biāo)準(zhǔn)缺乏創(chuàng)新、對新興產(chǎn)業(yè)及產(chǎn)業(yè)升級不熟悉、評估質(zhì)量和評估作業(yè)效率不理想等問題比較突出。總的來看,盡管項(xiàng)目評估整體水平還有一定優(yōu)勢,但是競爭對手已經(jīng)趕上來了,在有些行業(yè)、區(qū)域已經(jīng)被超過, 本文從固定資產(chǎn)貸款項(xiàng)目評估業(yè)務(wù)出發(fā),通過機(jī)構(gòu)設(shè)置、流程設(shè)置、評估方法三個(gè)方面,對固定資產(chǎn)貸款項(xiàng)目評估業(yè)務(wù)的現(xiàn)狀中存在的不足進(jìn)行分析,探討改善的可能性并提供參考建議,為本人的實(shí)際工作提供有益的參考和借鑒。
[Abstract]:Fixed assets loan is one of the most important asset business under the current profit model of interest margin of large commercial banks in our country. This business has the characteristics of large amount, long period, complex project and so on. The development of the business directly affects the profit level of the bank and the control effect of the loan risk, while the evaluation process of the fixed asset loan business is more complicated, and it is also a long time for commercial banks to explore the research field. Fixed assets loan project evaluation is the traditional business advantage of bank A, after more than 30 years of development, has formed a relatively complete evaluation method and business operation system. It has played an important role in ensuring and promoting the development of the Bank's business. However, with the transformation and upgrading of traditional industries and the rise of emerging industries, this traditional advantage has been gradually lost over the years. All the major banks are taking Bank A as the target of catching up and speeding up the development of their own project evaluation ability, although Bank A has made some achievements in the field of fixed assets project evaluation. However, there are still some problems, such as the lack of capacity building of project evaluation, the lack of innovation of project evaluation methods, and the lack of familiarity with emerging industries and industrial upgrading. Overall, although the overall level of project evaluation still has some advantages, but the competitors have caught up, in some industries. The area has been exceeded, This article from fixed assets loan project evaluation business, through the establishment of institutions, process settings, evaluation methods three aspects, the fixed assets loan project evaluation of the status quo of the existing deficiencies are analyzed. To explore the possibility of improvement and provide reference suggestions, for my practical work to provide useful reference and reference.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.4

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本文編號：1402079