本文關(guān)鍵詞： 北京銀行 信貸風(fēng)險(xiǎn) 管理研究　出處：《浙江工業(yè)大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：近年來(lái),北京銀行杭州分行的一些客戶把大量信貸資金盲目投入房地產(chǎn)、高技術(shù)等利潤(rùn)和風(fēng)險(xiǎn)都較高的行業(yè),但是,由于中國(guó)經(jīng)濟(jì)發(fā)展速度的放緩以及國(guó)家財(cái)政金融政策的調(diào)整,少數(shù)企業(yè)特別是民營(yíng)企業(yè)出現(xiàn)資金鏈斷裂現(xiàn)象,極大地影響了銀行信貸資產(chǎn)的安全,因此,北京銀行杭州分行必須高度重視信貸行業(yè)出現(xiàn)的新問(wèn)題,警惕出現(xiàn)的新風(fēng)險(xiǎn),采取有效措施加以防范,開(kāi)展信貸風(fēng)險(xiǎn)管理方面的研究具有現(xiàn)實(shí)意義。 為了有效管理信貸風(fēng)險(xiǎn),本課題采用理論研究法、比較法、調(diào)查研究法、案例研究法,在調(diào)研國(guó)內(nèi)外銀行信貸風(fēng)險(xiǎn)管理研究的基礎(chǔ)上,重點(diǎn)分析了北京銀行杭州分行信貸風(fēng)險(xiǎn)現(xiàn)狀及成因,本文認(rèn)為北京銀行杭州分行信貸風(fēng)險(xiǎn)的成因主要由銀行內(nèi)部因素、企業(yè)方面的因素和外部環(huán)境的因素。銀行內(nèi)部因素包括信貸組織機(jī)構(gòu)不健全、信貸管理體制不健全、信貸激勵(lì)約束機(jī)制不完善、信貸管理方法和手段落后、利益驅(qū)使下銀行從業(yè)人員違規(guī)操作等,企業(yè)方面的原因主要是企業(yè)經(jīng)濟(jì)效益差、企業(yè)盲目投資、企業(yè)之間相互擔(dān)保以及企業(yè)主缺乏誠(chéng)信帶來(lái)的風(fēng)險(xiǎn)；信貸風(fēng)險(xiǎn)還受宏觀經(jīng)濟(jì)復(fù)蘇乏力、產(chǎn)業(yè)結(jié)構(gòu)失衡、國(guó)家財(cái)政過(guò)度授信、存貸款利率變化、貸款企業(yè)集中度高等的影響。 最后,本文在調(diào)研北京銀行杭州分行信貸風(fēng)險(xiǎn)成因的基礎(chǔ)上,提出了北京銀行杭州分行信貸風(fēng)險(xiǎn)管理的策略：銀行樹(shù)立全面信貸風(fēng)險(xiǎn)管理理念、健全信貸組織管理體系、優(yōu)化信貸結(jié)構(gòu)、建立信貸管理崗位責(zé)任制、完善信貸激勵(lì)機(jī)制、提高政策的洞察力和敏銳性、培養(yǎng)信貸人員的素質(zhì)等,有助于降低信貸風(fēng)險(xiǎn),提高經(jīng)濟(jì)效益和綜合競(jìng)爭(zhēng)力。
[Abstract]:In recent years, some customers of the Hangzhou Branch of the Bank of Beijing have blindly invested a large amount of credit funds in industries with high profits and risks, such as real estate and high technology. However, Due to the slowdown of China's economic development and the adjustment of the state's financial and financial policies, a few enterprises, especially private enterprises, have seen the phenomenon of capital chain break, which has greatly affected the security of bank credit assets. The Hangzhou Branch of Bank of Beijing must attach great importance to the new problems in the credit industry, be alert to the new risks, take effective measures to prevent them, and carry out the research on the credit risk management. In order to manage the credit risk effectively, this subject adopts the theory research method, the comparative method, the investigation research method, the case study method, on the basis of investigating the domestic and foreign bank credit risk management research. This paper mainly analyzes the present situation and causes of credit risk of Bank of Beijing Hangzhou Branch. The author thinks that the cause of credit risk of Bank of Beijing Hangzhou Branch is mainly caused by the internal factors of the bank. The internal factors of the bank include the imperfect credit organization, the imperfect credit management system, the imperfect credit incentive and restraint mechanism, the backward methods and means of credit management. The main reasons for enterprises are the poor economic benefits, blind investment, mutual guarantee between enterprises and the risks brought by the lack of good faith among business owners. The credit risk is also affected by the weak recovery of the macro economy, the imbalance of the industrial structure, the excessive credit granted by the state finance, the change of the deposit and loan interest rate, and the higher concentration of the loan enterprises. Finally, on the basis of investigating the causes of credit risk of Bank of Beijing Hangzhou Branch, this paper puts forward the credit risk management strategy of Bank of Beijing Hangzhou Branch: the bank sets up the concept of comprehensive credit risk management, and improves the credit organization management system. Optimizing the credit structure, establishing the post responsibility system of credit management, perfecting the credit incentive mechanism, improving the insight and acumen of the policy, and cultivating the quality of the credit personnel will help to reduce the credit risk, improve the economic benefit and the comprehensive competitiveness.
【學(xué)位授予單位】：浙江工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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