本文關(guān)鍵詞： 信貸欺詐 甄別 防范　出處：《吉林大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來，，隨著我國貨幣信貸政策調(diào)整、社會資金面趨緊，針對銀行的各種造假、欺詐行為不斷增加。一些企業(yè)為了取得銀行的融資，故意隱瞞對公司不利的事實，與利益相關(guān)方進行勾結(jié)，提供虛假的信息或者數(shù)據(jù)，欺騙銀行；個別地方政府部門參與或默許造假；信貸經(jīng)營過程中的“過度營銷，過度授信，過度服務(wù)”也一定程度上助長了客戶的欺詐行為。 信貸欺詐不僅會給銀行造成巨大的經(jīng)濟損失，而且還會損害商業(yè)銀行的聲譽和品牌形象，降低客戶信任和忠誠度，甚至影響區(qū)域金融市場穩(wěn)定。從商業(yè)銀行不良貸款成因看，有相當(dāng)部分是由于信貸欺詐行為造成的。防范客戶信貸欺詐已經(jīng)成為我國商業(yè)銀行目前面臨的一個十分重大且具有現(xiàn)實意義的課題，已經(jīng)受到各方的普遍關(guān)注。因此，研究商業(yè)銀行如何防范和控制信貸欺詐風(fēng)險就具有重要的研究意義，已成為商業(yè)銀行必要和必然的選擇。做好信貸反欺詐工作，對有效防范商業(yè)銀行欺詐風(fēng)險、提高商業(yè)銀行的風(fēng)險管理水平，提升國際競爭能力，保持金融體系健康穩(wěn)定發(fā)展具有重要的現(xiàn)實意義。 本文分析了國內(nèi)外關(guān)于信貸欺詐問題的研究現(xiàn)狀，研究了我國關(guān)于信貸欺詐的類型和產(chǎn)生原因，分析了對商業(yè)銀行信貸資產(chǎn)管理的負面影響，針對目前公司客戶信貸欺詐現(xiàn)象極為嚴重的社會現(xiàn)狀，重點研究了信貸欺詐的常用手段及其甄別，從而實現(xiàn)有效地識別和防范信貸欺詐的目標，并由此推動商業(yè)銀行信貸業(yè)務(wù)快速穩(wěn)定發(fā)展。 因此商業(yè)銀行要通過加強公司客戶反信貸欺詐的宣傳和引導(dǎo)，增強全員反欺詐意識，加強正面經(jīng)驗介紹和反面警示教育，提高全員反欺詐的警惕性和敏感性，提高反欺詐專業(yè)技能，落實授信業(yè)務(wù)真實性管理的精細化要求。
[Abstract]:In recent years, with the adjustment of monetary and credit policy in our country, the social capital is becoming tighter. In order to obtain the bank financing, some enterprises have been increasing the fraud in order to obtain the bank financing. Intentionally concealing the unfavorable facts to the company, colluding with the stakeholders, providing false information or data, and deceiving the bank; The participation or acquiescence of individual local government departments in counterfeiting; In the process of credit management, "excessive marketing, excessive credit, and excessive service" also contribute to the customer's fraudulent behavior to a certain extent. Credit fraud will not only cause huge economic losses to banks, but also damage the reputation and brand image of commercial banks, reduce customer trust and loyalty. It even affects the stability of regional financial market. Some of them are caused by credit fraud. Preventing customer credit fraud has become a very important and practical topic that our commercial banks are facing at present. Therefore, it is of great significance to study how to prevent and control the risk of credit fraud in commercial banks. It has become a necessary and inevitable choice for commercial banks to do credit anti-fraud work effectively to prevent commercial bank fraud risk improve the level of risk management of commercial banks and enhance international competitiveness. It is of great practical significance to maintain the healthy and stable development of the financial system. This paper analyzes the current research situation of credit fraud at home and abroad, studies the types and causes of credit fraud in China, and analyzes the negative impact on credit asset management of commercial banks. In view of the serious social situation of corporate credit fraud, this paper focuses on the common means of credit fraud and its discrimination, so as to achieve the goal of effective identification and prevention of credit fraud. And thus promote the rapid and stable development of commercial bank credit business. Therefore, commercial banks should strengthen the publicity and guidance of corporate customers' anti-credit fraud, enhance the anti-fraud awareness of the whole staff, strengthen the positive experience introduction and warning education, and improve the vigilance and sensitivity of the whole staff anti-fraud. Improve the professional skills of anti-fraud and implement the fine requirements of truthfulness management of credit business.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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