發(fā)布時間：2018-05-20 02:07

  本文選題：信貸業(yè)務(wù) + 信用風(fēng)險��； 參考：《吉林大學(xué)》2014年碩士論文

【摘要】：在風(fēng)險管理中，信用風(fēng)險是現(xiàn)代商業(yè)銀行面臨的最突出、影響最深遠(yuǎn)的風(fēng)險。我國銀行業(yè)的主要特征是貸款業(yè)務(wù)占據(jù)銀行資產(chǎn)業(yè)務(wù)的絕大部分，隨之帶來的信用風(fēng)險也顯得異常突出。建設(shè)銀行吉林省分行的信貸業(yè)務(wù)信用風(fēng)險管理一直以來都是關(guān)注的重點(diǎn)，隨著全球?qū)π庞蔑L(fēng)險管理關(guān)注度的提高，信用風(fēng)險管理逐漸成為備受矚目的重點(diǎn)管理項(xiàng)目。 本文以當(dāng)今全球信用風(fēng)險業(yè)務(wù)的現(xiàn)狀為背景，以信用風(fēng)險管理的相關(guān)理論為基奠，基于對建設(shè)銀行吉林省分行信貸業(yè)務(wù)的分析，從信貸業(yè)務(wù)現(xiàn)狀、信貸業(yè)務(wù)存在的信用風(fēng)險問題、信用風(fēng)險成因以及信用風(fēng)險管理的對策四個方面入手，展開對建設(shè)銀行吉林省分行的信貸業(yè)務(wù)信用風(fēng)險管理的研究。 建設(shè)銀行吉林省分行信貸業(yè)務(wù)存在的信用風(fēng)險問題主要是不良貸款率高，主要表現(xiàn)是：2011-2013年，，建設(shè)銀行吉林省分行的不良貸款分別為0.51億元、1.94億元和5.37億元，不良貸款率分別為0.05%、0.18%和0.45%；2014年一季度不良貸款6.24億元，不良貸款率為0.51%，二季度不良貸款6.59億元，比年初增加2504.86萬元，不良貸款率為0.51%，由此可見，建設(shè)銀行吉林省分行的不良貸款額及不良率均呈逐年攀高的趨勢，成為信貸業(yè)務(wù)信用風(fēng)險控制中的重點(diǎn)之一。 建設(shè)銀行吉林省分行信貸業(yè)務(wù)信用風(fēng)險的成因來自于企業(yè)和銀行兩個方面。企業(yè)方面主要表現(xiàn)為企業(yè)違約，銀行方面主要表現(xiàn)為信貸業(yè)務(wù)監(jiān)管不健全、信貸資金投向不合理、信用風(fēng)險管理機(jī)制不完善。其中信貸業(yè)務(wù)監(jiān)管不健全主要表現(xiàn)在信貸業(yè)務(wù)貸前、貸中和貸后的管理上還存在漏洞，監(jiān)管約束機(jī)制還不健全；信貸資金投向不合理主要是指信貸資金在行業(yè)、貸種及地域方面的投向不合理；信用風(fēng)險管理制度不完善表現(xiàn)在信用風(fēng)險管理觀念、貸后管理、押品管理、審批程序?qū)�業(yè)化程度及過分依賴擔(dān)保等方面還需要完善。 針對建設(shè)銀行吉林省分行的信用風(fēng)險成因，本文給出相對應(yīng)的建議，即建設(shè)信用風(fēng)險度量模型（信用評級模型）、完善信用風(fēng)險管理機(jī)制、完善貸前、貸中和貸后的信貸業(yè)務(wù)監(jiān)管以及調(diào)整和優(yōu)化信貸結(jié)構(gòu)，包括調(diào)整資產(chǎn)結(jié)構(gòu)、調(diào)整行業(yè)結(jié)構(gòu)和調(diào)整產(chǎn)品結(jié)構(gòu)等。
[Abstract]:In risk management, credit risk is the most prominent and far-reaching risk faced by modern commercial banks. The main characteristic of China's banking industry is that the loan business accounts for most of the bank assets business, and the credit risk brought by it is also very prominent. Credit risk management of China Construction Bank Jilin Branch has always been the focus of attention. With the increase of global attention to credit risk management, credit risk management has gradually become the focus of attention. Based on the current situation of global credit risk business and the related theories of credit risk management, this paper bases on the analysis of credit business in Jilin Branch of China Construction Bank, and analyzes the present situation of credit business. Starting with the credit risk problems, the causes of credit risk and the countermeasures of credit risk management, this paper studies the credit risk management of credit business in Jilin Branch of China Construction Bank. The main credit risk problem in the credit business of the Jilin Branch of China Construction Bank is the high non-performing loan ratio, which is mainly manifested in the period 2011-2013. The non-performing loans of the Jilin Branch of the Construction Bank are 51 million yuan, 194 million yuan and 537 million yuan, respectively. The non-performing loan rate was 0.05% and 0.45%, respectively. In the first quarter of 2014, the non-performing loan rate was 624 million yuan, the non-performing loan rate was 0.511 yuan, and the second quarter non-performing loan rate was 659 million yuan, an increase of 25.0486 million yuan over the beginning of the year, and the non-performing loan rate was 0.51%. The amount of non-performing loans and the rate of bad loans in Jilin Branch of China Construction Bank are increasing year by year, which has become one of the key points in credit risk control. The causes of credit risk of China Construction Bank Jilin Branch come from two aspects: enterprise and bank. The main performance of the enterprise is the default of the enterprise, the bank mainly shows that the supervision of the credit business is not perfect, the investment of the credit fund is unreasonable, and the management mechanism of the credit risk is not perfect. The imperfect supervision of credit business mainly shows that there are loopholes in the management of credit business before and after the loan, and the supervision and restraint mechanism is not perfect; the irrational investment of credit funds mainly means that the credit funds are in the industry. The credit risk management system is not perfect in the aspects of credit risk management concept, post-loan management, collateral management, the degree of specialization of examination and approval procedure and over-reliance on guarantee, etc. In view of the causes of credit risk in Jilin Branch of China Construction Bank, this paper gives the corresponding suggestions, that is, to build a credit risk measurement model (credit rating model), to perfect the credit risk management mechanism, and to perfect the credit risk management mechanism before the loan. The supervision of credit business after credit and the adjustment and optimization of credit structure, including the adjustment of asset structure, the adjustment of industry structure and the adjustment of product structure, etc.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

【參考文獻(xiàn)】

相關(guān)博士學(xué)位論文 前1條

1 劉迎春;我國商業(yè)銀行信用風(fēng)險度量和管理研究[D];東北財經(jīng)大學(xué);2011年

本文編號：1912706