本文選題：風(fēng)險(xiǎn) + 客戶經(jīng)理�。� 參考：《河北工業(yè)大學(xué)》2013年碩士論文

【摘要】：隨著經(jīng)濟(jì)全球化和金融一體化的快速發(fā)展，世界各個(gè)國(guó)家和地區(qū)金融危機(jī)不斷爆發(fā)；特別是由美國(guó)“次貸危機(jī)”引發(fā)的金融危機(jī)已席卷全球，國(guó)內(nèi)外宏觀經(jīng)濟(jì)與金融態(tài)勢(shì)發(fā)生了較大的變化。我國(guó)商業(yè)銀行只有切實(shí)提高自身風(fēng)險(xiǎn)識(shí)別以及管控能力才能在激烈的競(jìng)爭(zhēng)中立于不敗之地，而客戶經(jīng)理信貸分析是商業(yè)銀行把控風(fēng)險(xiǎn)的第一道門檻。本文正是基于以上認(rèn)識(shí)，選擇以客戶經(jīng)理信貸分析為切入點(diǎn)展開(kāi)論述。 A銀行泰安分行的最大風(fēng)險(xiǎn)來(lái)自于其在經(jīng)營(yíng)過(guò)程中的不良貸款；有效防范和控制不良貸款的發(fā)生是該行的首要研究課題�？蛻艚�(jīng)理作為該行信貸風(fēng)險(xiǎn)把控的第一人,是最關(guān)鍵的因素。本論文運(yùn)用比較分析法、歸納分析法、實(shí)證分析與規(guī)范分析相結(jié)合分析法研究了A銀行泰安分行客戶經(jīng)理信貸分析的現(xiàn)狀、存在的問(wèn)題及原因，并提出了相應(yīng)的優(yōu)化措施。通過(guò)對(duì)A銀行泰安分行客戶經(jīng)理信貸分析提出相應(yīng)的優(yōu)化措施，以期能夠?qū)υ撔酗L(fēng)險(xiǎn)管控和信貸業(yè)務(wù)的良性發(fā)展做出貢獻(xiàn)。 結(jié)論：立足于現(xiàn)實(shí)；通過(guò)優(yōu)化A銀行泰安分行客戶經(jīng)理信貸分析的方法，，并完善與客戶經(jīng)理信貸分析相關(guān)的制度建設(shè)；是A銀行泰安分行提升客戶經(jīng)理信貸分析水平，并進(jìn)一步促進(jìn)信貸業(yè)務(wù)良性發(fā)展的關(guān)鍵。
[Abstract]:With the rapid development of economic globalization and financial integration, the financial crisis in various countries and regions of the world is constantly breaking out, especially the financial crisis caused by the "subprime mortgage crisis" in the United States, which has swept the world. Great changes have taken place in the macroeconomic and financial situation at home and abroad. Only by improving the ability of risk identification and control can the commercial banks in our country be invincible in the fierce competition, and the credit analysis of the customer manager is the first threshold for the commercial banks to control the risks. Based on the above understanding, this paper chooses the customer manager credit analysis as the starting point to discuss. The biggest risk of Tai'an Branch of Bank A comes from its non-performing loans in the course of operation. Effective prevention and control of the occurrence of non-performing loans is the bank's primary research topic. Account manager as the bank's credit risk control of the first person, is the most critical factor. This paper uses comparative analysis, inductive analysis, empirical analysis and normative analysis to study the present situation, existing problems and reasons of credit analysis of customer manager in Tai'an Branch of Bank A, and puts forward corresponding optimization measures. Through the credit analysis of the customer manager in Taian Branch of Bank A, the author puts forward the corresponding optimization measures in order to contribute to the risk control and the benign development of the bank's credit business. Conclusion: based on the reality; By optimizing the method of credit analysis of customer manager of Bank A Tai'an Branch and perfecting the system construction related to the credit analysis of customer manager, it is the Tai'an Branch of Bank A that promotes the level of credit analysis of customer manager. And further promote the key of benign development of credit business.
【學(xué)位授予單位】：河北工業(yè)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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