發(fā)布時(shí)間：2018-03-22 16:07

  本文選題：貸款授信　切入點(diǎn)：授信項(xiàng)目　出處：《燕山大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：經(jīng)過三十多年的發(fā)展，，我國商業(yè)銀行逐步建立了授信風(fēng)險(xiǎn)管理體系，管理方法、管理體制日趨成熟，風(fēng)險(xiǎn)管理作用也日漸顯著。授信風(fēng)險(xiǎn)管理作為風(fēng)險(xiǎn)管理的最主要內(nèi)容，越來越受到關(guān)注。但是，隨著商業(yè)銀行的不斷發(fā)展，授信業(yè)務(wù)在外部經(jīng)濟(jì)環(huán)境和內(nèi)部機(jī)制的影響下逐漸發(fā)生變化，授信風(fēng)險(xiǎn)種類漸漸增多，授信風(fēng)險(xiǎn)管理難度逐漸加大。在這種背景下，授信風(fēng)險(xiǎn)管理的有效性便成了商業(yè)銀行健康有序發(fā)展的重要保障。本文在描述交通銀行貸款授信項(xiàng)目風(fēng)險(xiǎn)管理現(xiàn)狀的基礎(chǔ)上，指出交通銀行貸款授信項(xiàng)目風(fēng)險(xiǎn)管理中存在的問題，并結(jié)合交通銀行秦皇島分行的一個(gè)貸款授信項(xiàng)目進(jìn)行風(fēng)險(xiǎn)評(píng)價(jià)，最后提出交通銀行防范貸款授信項(xiàng)目風(fēng)險(xiǎn)的對策。針對本文的研究內(nèi)容，采用文獻(xiàn)分析法、案例分析法和模糊綜合評(píng)價(jià)法進(jìn)行研究。 首先，對本文的研究背景、研究意義、國內(nèi)外研究綜述、研究方法和研究內(nèi)容進(jìn)行了論述，并對文中涉及到的相關(guān)概念和基礎(chǔ)理論進(jìn)行了概述，為全文提供理論指導(dǎo)。 其次，依據(jù)交通銀行年度公報(bào)及搜集的相關(guān)資料，對交通銀行貸款授信項(xiàng)目風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行了闡述，分析出了交通銀行貸款授信項(xiàng)目風(fēng)險(xiǎn)管理中存在的問題。 再次，介紹了交通銀行貸款授信項(xiàng)目風(fēng)險(xiǎn)識(shí)別的內(nèi)容，構(gòu)建了貸款授信項(xiàng)目風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系，并以秦皇島分行的一個(gè)貸款授信項(xiàng)目為例，運(yùn)用模糊綜合評(píng)價(jià)法對其風(fēng)險(xiǎn)大小進(jìn)行評(píng)價(jià)。 最后，提出了交通銀行防范貸款授信項(xiàng)目風(fēng)險(xiǎn)的對策和建議，包括完善信用評(píng)級(jí)制度和風(fēng)險(xiǎn)測評(píng)體系、優(yōu)化風(fēng)險(xiǎn)內(nèi)部控制體系、加強(qiáng)風(fēng)險(xiǎn)預(yù)警體系建設(shè)、對集團(tuán)客戶、中小企業(yè)區(qū)別操作和建設(shè)良好的貸款授信風(fēng)險(xiǎn)管理文化。
[Abstract]:After more than 30 years' development, China's commercial banks have gradually established a credit risk management system, management methods, management system is increasingly mature, risk management role is becoming increasingly prominent. Credit risk management as the most important content of risk management. However, with the continuous development of commercial banks, the credit business has gradually changed under the influence of external economic environment and internal mechanism, and the types of credit risk have gradually increased. The difficulty of credit risk management is gradually increasing. Under this background, the validity of credit risk management has become an important guarantee for the healthy and orderly development of commercial banks. This paper points out the problems existing in the risk management of the loan credit project of Bank of Communications, and carries out the risk evaluation combined with a loan credit project of Qinhuangdao Branch of Bank of Communications. Finally, the paper puts forward the countermeasures to prevent the risk of the loan credit project in Bank of Communications. In view of the research content of this paper, the paper uses the literature analysis method, the case analysis method and the fuzzy comprehensive evaluation method to carry on the research. First of all, the research background, research significance, domestic and foreign research review, research methods and research content are discussed, and the related concepts and basic theories are summarized, which provides theoretical guidance for the full text. Secondly, according to the annual bulletin of Bank of Communications and the relevant information collected, this paper expounds the present situation of risk management of loan credit project of Bank of Communications, and analyzes the problems existing in risk management of loan credit project of Bank of Communications. Thirdly, it introduces the content of risk identification of loan credit project of Bank of Communications, constructs the risk evaluation index system of loan credit project, and takes a loan credit project of Qinhuangdao Branch as an example. The fuzzy comprehensive evaluation method is used to evaluate the risk. Finally, the paper puts forward the countermeasures and suggestions of Bank of Communications to prevent the risk of the loan credit project, including perfecting the credit rating system and risk evaluation system, optimizing the risk internal control system, strengthening the construction of the risk warning system, and improving the group customers. Small and medium-sized enterprises distinguish between operation and construction of good credit risk management culture.
【學(xué)位授予單位】：燕山大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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