【摘要】：銀行要開展金融業(yè)務(wù)，就不可能不經(jīng)營(yíng)信貸，而經(jīng)營(yíng)信貸不可能不承擔(dān)風(fēng)險(xiǎn)，銀行正是承擔(dān)一定的風(fēng)險(xiǎn)才取得收益的。銀行不承擔(dān)風(fēng)險(xiǎn)，不開展有風(fēng)險(xiǎn)的業(yè)務(wù)，是難以發(fā)展和取得好的效益。同時(shí)，信貸經(jīng)營(yíng)的功夫不在于能放貸款，而在于如何識(shí)別和控制風(fēng)險(xiǎn)，通過(guò)有效的識(shí)別和控制風(fēng)險(xiǎn)而實(shí)現(xiàn)信貸經(jīng)營(yíng)的收益。事實(shí)上經(jīng)營(yíng)信貸就是經(jīng)營(yíng)風(fēng)險(xiǎn)，但是，不能識(shí)別風(fēng)險(xiǎn)、不能控制風(fēng)險(xiǎn)的貸款不能做。因此，信貸經(jīng)營(yíng)的實(shí)質(zhì)就是在于防范和控制風(fēng)險(xiǎn)，我國(guó)銀行業(yè)對(duì)信貸風(fēng)險(xiǎn)的防范問題變得日益重視。信貸風(fēng)險(xiǎn)管理是信貸管理的重要組成部分，是防范和化解信貸風(fēng)險(xiǎn)的重要手段。雖然工行YT分行有二十多年的發(fā)展歷史，但是其對(duì)信貸風(fēng)險(xiǎn)管理的水平還比較低，正在由粗放型的管理模式向數(shù)量化、精細(xì)化管理模式轉(zhuǎn)變。工行YT分行在企業(yè)信貸風(fēng)險(xiǎn)管理方面還處于起步階段，需要繼續(xù)借鑒國(guó)內(nèi)外先進(jìn)的信貸風(fēng)險(xiǎn)管理經(jīng)驗(yàn)和方法。因此，提高工行YT分行信貸風(fēng)險(xiǎn)管理水平成為銀行發(fā)展的首要任務(wù)，完善信貸風(fēng)險(xiǎn)管理體系也十分必要和迫切。 本文就工行YT分行新世紀(jì)公司貸款項(xiàng)目的風(fēng)險(xiǎn)特點(diǎn)、類別、來(lái)源進(jìn)行研究，通過(guò)理論聯(lián)系實(shí)際的方法，找出工行YT分行新世紀(jì)公司貸款項(xiàng)目存在的問題并就如何進(jìn)行風(fēng)險(xiǎn)控制作出分析，提出適合工行YT分行新世紀(jì)公司貸款項(xiàng)目風(fēng)險(xiǎn)防范的具體措施，在完善貸款貸前風(fēng)險(xiǎn)識(shí)別和貸后風(fēng)險(xiǎn)控制方面提出解決辦法。 工行YT分行營(yíng)業(yè)收入中，信貸業(yè)務(wù)占了很大一部分。因此，信貸資產(chǎn)的管理水準(zhǔn)和創(chuàng)新能力直接決定了工行YT分行整體經(jīng)營(yíng)管理和盈利水平的高低。但是，由于工行YT分行內(nèi)部信貸資產(chǎn)結(jié)構(gòu)不夠合理，資產(chǎn)質(zhì)量不高，不能很好的滿足市場(chǎng)的需要，，嚴(yán)重制約了工行YT分行的持續(xù)發(fā)展和提高盈利水平。因此，本文就如何控制工行YT分行新世紀(jì)公司貸款項(xiàng)目的風(fēng)險(xiǎn)進(jìn)行探索，希望能夠?yàn)楣ば衁T分行提高信貸風(fēng)險(xiǎn)控制和防范水平和實(shí)現(xiàn)信貸業(yè)務(wù)的穩(wěn)健發(fā)展做出貢獻(xiàn)。 本文緊密結(jié)合工行YT分行的特點(diǎn)，在研究中突出以下幾點(diǎn)： 一是認(rèn)真研究了工行YT分行的信貸流程及信貸風(fēng)險(xiǎn)管理的現(xiàn)狀，確定研究的出發(fā)點(diǎn)； 二是通過(guò)對(duì)目前工行YT分行貸款退出與進(jìn)入中存在的問題及原因進(jìn)行分析，并提出一些普遍存在的問題； 三是結(jié)合工行YT分行的現(xiàn)狀，對(duì)貸款的貸前風(fēng)險(xiǎn)識(shí)別和貸后風(fēng)險(xiǎn)控制分別作了研究，并就商業(yè)銀行如何識(shí)別風(fēng)險(xiǎn)和控制風(fēng)險(xiǎn)提出了具體的建議。
[Abstract]:If the bank wants to carry out the financial business, it is impossible not to run the credit, and it is impossible for the bank not to bear the risk. It is difficult for banks to develop and obtain good benefits if they do not take risks and do not carry out risky business. At the same time, the kung fu of credit management is not to be able to release loans, but to identify and control risks, and to realize the profit of credit management by effectively identifying and controlling risks. In fact, operating credit is business risk, but loans that can't identify risk and control risk can not be done. Therefore, the essence of credit management is to prevent and control risks. Credit risk management is an important part of credit management and an important means to prevent and resolve credit risk. Although ICBC YT Branch has a history of more than 20 years, its level of credit risk management is still relatively low, and it is changing from extensive management mode to quantitative management mode and refined management mode. ICBC YT Branch is still in its infancy in the aspect of enterprise credit risk management and needs to learn from the advanced experience and methods of credit risk management at home and abroad. Therefore, it is necessary and urgent to improve the credit risk management level of ICBC YT branch and improve the credit risk management system. This paper studies the risk characteristics, categories and sources of new century company loan projects in ICBC YT Branch, and combines theory with practice methods. This paper finds out the problems existing in the new century company loan project of ICBC YT Branch, analyzes on how to carry out risk control, and puts forward concrete measures suitable for ICBC YT Branch New Century Company loan Project risk Prevention. In the improvement of loan before risk identification and risk control after loan put forward solutions. ICBC YT branch operating income, credit accounts for a large part of the business. Therefore, the management level and innovation ability of credit assets directly determine the overall management and profitability of ICBC YT branch. However, because the credit asset structure of ICBC YT branch is not reasonable and the quality of assets is not high, it can not meet the needs of the market well, which seriously restricts the sustained development of ICBC YT branch and raises the profit level. Therefore, this paper explores how to control the risk of the new century company loan project of ICBC YT Branch, hoping to contribute to the ICBC YT Branch to improve the level of credit risk control and prevention and to realize the steady development of credit business. This article closely unifies the ICBC YT branch characteristic, in the research highlights the following several points: first, has studied the ICBC YT branch credit process and the credit risk management present situation earnestly, determined the research starting point; Second, through the current ICBC YT branch loan exit and enter the existing problems and reasons, and put forward some common problems; Thirdly, combined with the current situation of ICBC YT Branch, the paper studies the pre-credit risk identification and post-loan risk control of the loan, and puts forward some specific suggestions on how to identify and control the risk in commercial banks.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 汪利娜;;美國(guó)次級(jí)抵押貸款危機(jī)的警示[J];財(cái)經(jīng)科學(xué);2007年10期

2 何自力;;銀行中小企業(yè)貸款的效益與風(fēng)險(xiǎn)分析[J];金融論壇;2006年01期

3 李霽友;國(guó)有商業(yè)銀行不良資產(chǎn)的再生及治理

本文編號(hào)：2390644