本文選題：越南商業(yè)銀行 + 信貸管理��； 參考：《昆明理工大學》2014年碩士論文

【摘要】：最近十幾年,世界經(jīng)濟呈現(xiàn)復蘇和溫和增長態(tài)勢,金融發(fā)展的全球化、信息化和自由化趨勢進一步強化。越南經(jīng)濟工業(yè)化、市場化、城市化、國際化和現(xiàn)代化的進程在不斷加快,經(jīng)濟保持較高的增速。越南金融領域的改革力度不斷加大,逐步形成多種銀行并存的金融機構體系及多層次和多功能的金融市場體系,金融秩序走向規(guī)范,同業(yè)競爭日趨激烈。 經(jīng)過短短的20多年的發(fā)展,越南的銀行業(yè)已從一個單層的銀行體系,儼然發(fā)展成為包括銀行和非銀行金融機構的一個大系統(tǒng)。目前越南銀行業(yè)金融機構包括5家國有商業(yè)銀行,34家股份商業(yè)銀行,5家外國銀行,4家合資銀行,100家外國金融組織駐越辦事處,18家金融公司,12家金融租賃公司,約1100家信用社�？傎Y產(chǎn)方面最大的銀行是農(nóng)業(yè)銀行(VBARD),在注冊資金方面最大的銀行是Vietinbank(CTG).但與區(qū)域同行相比,越南銀行的規(guī)模還是比較小的。 目前,商業(yè)銀行的金融業(yè)務活動方面的影響作用越來越大,對整個社會的金融貨幣的流動產(chǎn)生了重要影響,已經(jīng)發(fā)展為國家宏觀經(jīng)濟調(diào)控的重要方法和手段。隨著當前越南商業(yè)銀行信貸管理問題的不斷出現(xiàn),只有加強商業(yè)銀行的信貸管理,不斷調(diào)整信貸結構,控制信貸風險,健全獨立完整的信貸利率體系,才能夠全方位地提高社會的經(jīng)濟效益,促進金融市場的發(fā)展。 本文主要對越南商業(yè)銀行的信貸管理現(xiàn)狀進行研究,研究分為六個部分。首先是緒論,論述了課題研究的背景和意義,越南國內(nèi)外商業(yè)銀行信貸管理研究的動態(tài)分析,第二部分是相關理論基礎,結合當前商業(yè)銀行的基本概念、職能以及信貸管理的概念和基本原則,重點論述了當前商業(yè)銀行信貸管理的主要內(nèi)容：信貸資金籌集管理、貸款管理、存貸款利率管理和信貸風險管理。第三部分是越南商業(yè)銀行信貸管理現(xiàn)狀分析,作為當前課題研究的重點部分,結合越南商業(yè)銀行發(fā)展概況,對越南商業(yè)銀行信貸管理的現(xiàn)狀進行了全面的分析,并提出了當前越南商業(yè)銀行信貸管理存在的主要問題,主要包括籌集資金不符合貸款和投資的需求；貸款總額類別設置不合理；資本能力還有限制;模糊報道的不良資產(chǎn)水平;銀行貸款監(jiān)察問題；信貸風險管理問題；商業(yè)銀行沒有完全符合Basel Ⅰ等。第四部分為越南商業(yè)銀行信貸管理的內(nèi)外影響因素分析。第五部分是越南商業(yè)銀行信貸管理對策研究,主要從改善越南國內(nèi)政治、經(jīng)濟及社會環(huán)境,設計合理貸款結構,提高信貸人員的專業(yè)素養(yǎng),提高風險識別能力,設立適當?shù)男刨J風險管理規(guī)程幾個方面來進行越南商業(yè)銀行信貸管理進行完善和改革。最后是結論與展望,對研究的不足、結論以及未來研究進行了展望。研究對提高越南商業(yè)銀行信貸管理提供了理論依據(jù),有一定的現(xiàn)實意義。
[Abstract]:In recent years, the world economy has shown a trend of recovery and moderate growth, and the trend of globalization, informatization and liberalization of financial development has been further strengthened. The process of industrialization, marketization, urbanization, internationalization and modernization of Vietnam's economy is accelerating. The reform of Vietnam's financial field has been intensified, and a multi-level and multi-functional financial market system has been gradually formed. The financial order is becoming more and more standardized, and the competition among the banks is becoming more and more intense. After more than 20 years of development, the banking industry in Vietnam has developed from a single-tier banking system to a large system including banks and non-bank financial institutions. At present, Vietnamese banking financial institutions include 5 state-owned commercial banks, 34 shares, commercial banks, 5 foreign banks, 4 joint ventures, 100 foreign financial organizations, offices in Vietnam, 18 financial companies, 12 financial leasing companies, and about 1100 credit unions. The largest bank in terms of total assets is Agricultural Bank VBARDX and the largest bank in terms of registered funds is Vietnam Bank CTG. But compared with their regional counterparts, Vietnamese banks are still relatively small. At present, the influence of commercial banks' financial activities has become more and more important, which has had an important impact on the flow of financial money in the whole society, and has developed into an important method and means of national macroeconomic regulation and control. With the continuous emergence of credit management problems in Vietnamese commercial banks, only by strengthening the credit management of commercial banks, constantly adjusting the credit structure, controlling credit risks, and perfecting the independent and complete credit interest rate system, In order to improve the overall economic benefits of society, promote the development of financial markets. This paper mainly studies the credit management status of Vietnamese commercial banks, the research is divided into six parts. First of all, the introduction discusses the background and significance of the research, the dynamic analysis of the credit management research of commercial banks in Vietnam and abroad. The second part is the relevant theoretical basis, combined with the current basic concepts of commercial banks. The function and the concept and basic principle of credit management are discussed, and the main contents of credit management of commercial banks are discussed in detail: credit fund raising management, loan management, deposit and loan interest rate management and credit risk management. The third part is the analysis of the status quo of the credit management of the Vietnamese commercial banks. As the key part of the current research, combined with the general situation of the development of the Vietnamese commercial banks, the paper makes a comprehensive analysis of the present situation of the credit management of the Vietnamese commercial banks. The main problems in the credit management of Vietnamese commercial banks are put forward, including that the raising of funds does not meet the demand of loans and investments, the setting of total loan categories is unreasonable, the capital capacity is still limited, and the level of non-performing assets as reported vaguely; Bank loan supervision; credit risk management; commercial banks are not in full compliance with Basel I and so on. The fourth part is the analysis of the internal and external factors influencing the credit management of Vietnamese commercial banks. The fifth part is the research on the credit management countermeasures of Vietnamese commercial banks, mainly from improving the domestic political, economic and social environment of Vietnam, designing reasonable loan structure, improving the professional quality of credit personnel, and improving the ability of risk identification. Establish appropriate credit risk management regulations to improve and reform the credit management of Vietnamese commercial banks. Finally, the conclusion and prospect are given. The deficiency, conclusion and future research are prospected. The study provides a theoretical basis for improving the credit management of Vietnamese commercial banks and has certain practical significance.
【學位授予單位】：昆明理工大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F833.33

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