本文選題：商業(yè)銀行 + 抵質(zhì)押品��； 參考：《華東師范大學(xué)》2013年碩士論文

【摘要】：近年來,受國際形勢復(fù)雜多變、全球通脹壓力普遍偏大等諸多不利因素影響,世界經(jīng)濟(jì)發(fā)展速度放緩,中國經(jīng)濟(jì)出現(xiàn)了一定跡象的下滑,部分行業(yè)風(fēng)險集中爆發(fā)：企業(yè)紛紛倒閉、企業(yè)法人逃逸等。各種風(fēng)險事件的頻繁發(fā)生使得企業(yè)貸款到期后,借款人無法正常償還,銀行不良貸款及不良貸款率不斷攀升。2012年上海地區(qū)就發(fā)生了諸如鋼貿(mào)企業(yè)不良貸款集中爆發(fā)的事件,這也給我們敲響了警鐘。在目前信貸模式中,以抵質(zhì)押方式獲得銀行授信取得貸款為主導(dǎo),當(dāng)借款出現(xiàn)風(fēng)險時,信貸抵質(zhì)押品就成為了銀行貸款償還的最后一道屏障。在此背景下,加強(qiáng)抵質(zhì)押品的管理、正確評估抵質(zhì)押品的價值、提高抵質(zhì)押品的變現(xiàn)能力就變極其重要。 本文首先對商業(yè)銀行公司信貸抵質(zhì)押品進(jìn)行綜述,對抵質(zhì)押品的概念、特征、類型等進(jìn)行基本介紹,在介紹國外銀行信貸業(yè)務(wù)管理的經(jīng)驗(yàn)后,指出我國商業(yè)銀行抵質(zhì)押品管理所存在的難點(diǎn)。從公司信貸工作實(shí)際出發(fā),對相關(guān)信貸資產(chǎn)質(zhì)量進(jìn)行分析,闡述了工商銀行公司信貸抵質(zhì)押品管理的現(xiàn)狀,提出了工商銀行公司抵質(zhì)押物管理中的相關(guān)問題。通過問題的研究與分析,本文在第4章提出了優(yōu)化對策,建議通過樹立正確的信貸風(fēng)險理念、嚴(yán)格執(zhí)行押品價值評估管理制度、加大第三方信貸外包的動態(tài)監(jiān)測、完善抵質(zhì)押品內(nèi)部處置流程等手段強(qiáng)化抵質(zhì)押品的全流程管理、精細(xì)化管理,對銀行公司信貸資產(chǎn)的優(yōu)化具有一定意義。 縱觀全文,論文主要根據(jù)工商銀行的公司信貸業(yè)務(wù)開展情況進(jìn)行分析與研究。目前國內(nèi)信貸品種與國外區(qū)別較大,信貸管理的理念有所不同,對于信貸押品管理后續(xù)將是一個持續(xù)研究的過程,相信中國銀行業(yè)務(wù)對于信貸業(yè)務(wù)的管理將在不斷積累經(jīng)驗(yàn),也希望本文提出的對策能夠?qū)ξ覈y行業(yè)信貸管理帶來一定幫助。
[Abstract]:In recent years, under the influence of many unfavorable factors, such as the complex and changeable international situation, the global inflation pressure is generally on the high side, the world economy has slowed down, and the Chinese economy has shown signs of decline. Part of the industry risk concentrated outbreak: enterprises have closed down, corporate escape and so on. The frequent occurrence of various risk events makes the borrower unable to repay normally after the maturity of the enterprise loan, and the non-performing loans and the non-performing loan rate of the bank are constantly rising. In 2012, there were incidents such as the concentrated outbreak of non-performing loans in the steel trade enterprises in Shanghai. This also sounded the alarm bell for us. In the current credit model, the way to obtain bank credit to obtain loans as the dominant, when the loan risk, the credit collateral has become the last barrier for the bank to repay the loan. Under this background, it is very important to strengthen the management of the pledge, to evaluate the value of the pledge correctly and to improve the realization ability of the pledge. In this paper, we first summarize the credit pledge of commercial banks, introduce the concept, characteristics and types of the collateral, and introduce the experience of foreign banks in the management of credit business. This paper points out the difficulties in the management of the collateralized goods of commercial banks in China. Based on the practice of corporate credit, this paper analyzes the quality of related credit assets, expounds the present situation of ICBC's credit collateral management, and puts forward some related problems in ICBC's credit pledge management. Through the research and analysis of the problems, this paper puts forward the optimization countermeasures in Chapter 4, and suggests that the dynamic monitoring of third-party credit outsourcing should be strengthened by establishing a correct concept of credit risk, strictly implementing the value evaluation management system of collateral, and increasing the dynamic monitoring of third-party credit outsourcing. It is significant to optimize the credit assets of the bank company by perfecting the internal disposal process of the hypothecation and strengthening the whole process management and fine management of the hypothecation. Throughout the paper, the thesis mainly based on the ICBC corporate credit business development analysis and research. At present, the variety of domestic credit is quite different from that of foreign countries, and the concept of credit management is different. The follow-up to the management of credit collateral will be a continuous research process. I believe that the management of credit business in China's banking business will accumulate experience continuously. I also hope that the countermeasures put forward in this paper can help China's banking credit management.
【學(xué)位授予單位】：華東師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 劉X;段端;巴曙松;;現(xiàn)實(shí)信貸市場中抵質(zhì)押品的功能探析——基于信息經(jīng)濟(jì)學(xué)商業(yè)銀行的研究視角[J];財經(jīng)研究;2008年05期

2 黃詒建;淺議抵押貸款中的房地產(chǎn)估價[J];福建學(xué)刊;1996年02期

3 黃詒建;淺議抵押貸款中的房地產(chǎn)估價[J];中國房地產(chǎn);1996年08期

4 金寧運(yùn);淺談防范抵押貸款出現(xiàn)風(fēng)險的對策[J];廣西金融研究;1997年09期

5 劉東;淺談對貸款抵押物價值的監(jiān)控[J];金融教學(xué)與研究;1998年05期

6 段海濤;;商業(yè)銀行抵質(zhì)押擔(dān)保隱性風(fēng)險解析[J];金融理論與實(shí)踐;2008年12期

7 李華偉;抵押貸款工作中的問題與建議[J];金融理論與實(shí)踐;1998年03期

8 劉長江;;我國商業(yè)銀行抵質(zhì)押品管理中存在的問題及對策研究[J];河北企業(yè);2012年08期

9 劉偉;當(dāng)前抵押貸款存在的問題難點(diǎn)與對策[J];金融管理科學(xué).河南金融管理干部學(xué)院學(xué)報;1997年01期

10 何偉;抵押貸款實(shí)施過程中的難點(diǎn)與對策[J];金融經(jīng)濟(jì);1997年07期

，

本文編號：1807335