【摘要】：在資本全球流轉(zhuǎn)和經(jīng)濟(jì)全球一體化的大勢(shì)所趨下,銀行作為經(jīng)營風(fēng)險(xiǎn)的特殊企業(yè),從保證利益最大化、風(fēng)險(xiǎn)最小化的角度出發(fā),信貸風(fēng)險(xiǎn)已是商業(yè)銀行的首要風(fēng)險(xiǎn)。如何提高信貸風(fēng)險(xiǎn)管理水平是A銀行廣西分行在激烈的競(jìng)爭(zhēng)下生存和持續(xù)發(fā)展的重大課題。 本文以A銀行廣西分行為論證視角,在認(rèn)真思考選題的目的和意義的基礎(chǔ)上,分析目前國內(nèi)外對(duì)信貸風(fēng)險(xiǎn)管理研究的成果,結(jié)合巴塞爾新資本協(xié)議Ⅲ的相關(guān)規(guī)定,通過運(yùn)用相關(guān)的研究方法,設(shè)計(jì)出本文的研究思路。其次,本文從A銀行廣西分行現(xiàn)行信貸風(fēng)險(xiǎn)管理的組織框架、業(yè)務(wù)操作流程方面出發(fā),并結(jié)合實(shí)際工作中A銀行廣西分行對(duì)廣西TH工貿(mào)有限公司的貸款為例,分析A銀行廣西分行信貸風(fēng)險(xiǎn)管理問題的癥結(jié)所在。然后,再借鑒國際上信貸風(fēng)險(xiǎn)管理水平較高的商業(yè)銀行成功經(jīng)驗(yàn),對(duì)比分析學(xué)習(xí),取長(zhǎng)補(bǔ)短。最后,結(jié)合A銀行廣西分行區(qū)域特點(diǎn)、實(shí)際業(yè)務(wù)特點(diǎn),有針對(duì)性的為A銀行廣西分行信貸風(fēng)險(xiǎn)管理提出改善措施和建議,藉此優(yōu)化A銀行廣西分行核心競(jìng)爭(zhēng)力,同時(shí)也為其他金融機(jī)構(gòu)對(duì)信貸風(fēng)險(xiǎn)管理的完善起到了良好的借鑒作用。 本文的創(chuàng)新之處在于筆者多年從事于A銀行廣西分行風(fēng)險(xiǎn)管理工作,積累了寶貴的實(shí)踐經(jīng)驗(yàn)及案例素材,以第一線工作者的視角真實(shí)分析論證了A銀行廣西分行信貸風(fēng)險(xiǎn)管理的問題,具有較為典型的研究?jī)r(jià)值,并能直接轉(zhuǎn)化應(yīng)用到將來的實(shí)際工作中。
[Abstract]:Under the general trend of the global circulation of capital and the globalization of economy, the bank, as a special enterprise of operating risk, is the primary risk of commercial bank from the point of view of maximization of guarantee benefit and minimization of risk. How to improve the level of credit risk management is an important subject for the survival and sustainable development of A Bank Guangxi Branch under the fierce competition. From the perspective of Guangxi Branch of Bank A, this paper, on the basis of seriously considering the purpose and significance of selecting the topic, analyzes the research results of credit risk management at home and abroad, and combines with the relevant provisions of the Basel New Capital Accord III. Through the use of relevant research methods, design the research ideas of this paper. Secondly, this article starts from the current credit risk management organization frame, the business operation flow aspect of the A bank Guangxi branch, and unifies in the actual work the A bank Guangxi branch to Guangxi TH industry and trade limited company's loan as the example, This paper analyzes the crux of credit risk management of Bank A Guangxi Branch. Then, draw lessons from the successful experience of commercial banks with high level of credit risk management, compare and analyze and learn from each other. Finally, combining with the regional characteristics and actual business characteristics of Bank A Guangxi Branch, the paper puts forward some improvement measures and suggestions for the credit risk management of A Bank Guangxi Branch, so as to optimize the core competitiveness of Bank A Guangxi Branch. At the same time for other financial institutions to improve credit risk management played a good role. The innovation of this paper lies in the fact that the author has been engaged in the risk management work of Guangxi Branch of Bank A for many years, and has accumulated valuable practical experience and case material. This paper analyzes and proves the problem of credit risk management in Guangxi Branch of Bank A from the perspective of front-line workers, which has typical research value and can be directly transformed into practical work in the future.
【學(xué)位授予單位】：廣西大學(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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