發(fā)布時間：2018-05-21 04:30

  本文選題：信貸風(fēng)險 + 商業(yè)銀行��； 參考：《浙江工業(yè)大學(xué)》2014年碩士論文

【摘要】：在我國,信貸業(yè)務(wù)是商業(yè)銀行的主要利潤來源,信貸風(fēng)險也是商業(yè)銀行面臨的主要風(fēng)險,信貸風(fēng)險管理的成敗不僅關(guān)系到商業(yè)銀行盈利目標(biāo)能否實(shí)現(xiàn),而且對其生存發(fā)展起著至關(guān)重要的作用。特別是近年來,隨著銀行企業(yè)信貸業(yè)務(wù)的迅猛發(fā)展,企業(yè)信貸風(fēng)險也在不斷地增長,企業(yè)信貸風(fēng)險管理越來越成為銀行關(guān)注的焦點(diǎn)。本文首先通過對歷史文獻(xiàn)的查閱,對銀行信貸風(fēng)險的概念、結(jié)構(gòu),銀行信貸風(fēng)險成因理論及控制理論進(jìn)行分析與歸納總結(jié)。接著以溫州地區(qū)商業(yè)銀行企業(yè)信貸風(fēng)險為研究主體,以溫州地區(qū)商業(yè)銀行企業(yè)信貸現(xiàn)狀為切入點(diǎn),著重分析了溫州地區(qū)商業(yè)銀行企業(yè)信貸風(fēng)險具有連帶性、轉(zhuǎn)移性、隱藏性、行業(yè)性和政策性等五大特征,進(jìn)而探討這些信貸風(fēng)險的產(chǎn)生原因——由外部環(huán)境、企業(yè)經(jīng)營及商業(yè)銀行方面等因素構(gòu)成。針對溫州地區(qū)商業(yè)銀行企業(yè)信貸風(fēng)險的特征及其成因,本文提出了相應(yīng)的風(fēng)險控制對策。溫州地區(qū)商業(yè)銀行必須首先根據(jù)企業(yè)信貸風(fēng)險的連帶性特征,加速處理互相擔(dān)保風(fēng)險,重點(diǎn)做好風(fēng)險鏈條的化解；其次要加強(qiáng)信貸風(fēng)險過程管理,有效監(jiān)測企業(yè)信貸資金流入非正常領(lǐng)域而產(chǎn)生信貸風(fēng)險的轉(zhuǎn)移；然后根據(jù)溫州地區(qū)商業(yè)銀行企業(yè)信貸以中小企業(yè)信貸為主,因短貸長用、民間借貸突出導(dǎo)致企業(yè)信貸風(fēng)險具有隱藏性特征的現(xiàn)象,注重信貸模式的創(chuàng)新,加強(qiáng)銀行信貸產(chǎn)品供給,從而有效化解風(fēng)險；還要樹立現(xiàn)代商業(yè)銀行風(fēng)險管理理念,實(shí)施信用風(fēng)險限額管理,有效化解企業(yè)信貸風(fēng)險的行業(yè)性特征；最后要強(qiáng)化銀行信貸隊(duì)伍管理,控制多頭、過度授信,才能有效降低風(fēng)險貸款的發(fā)生概率,減輕企業(yè)信貸風(fēng)險的政策性特征。加強(qiáng)企業(yè)信貸風(fēng)險控制是一個系統(tǒng)工程,在當(dāng)前溫州銀行業(yè)不良貸款爆發(fā)、信貸風(fēng)險突出的情況下,希望能給當(dāng)?shù)劂y行加強(qiáng)信貸風(fēng)險管理提供相關(guān)參考借鑒。
[Abstract]:In China, credit business is the main source of profits for commercial banks, and credit risk is also the main risk faced by commercial banks. The success or failure of credit risk management is not only related to whether commercial banks can achieve their profit objectives. And it plays a vital role in its survival and development. Especially in recent years, with the rapid development of the bank enterprise credit business, the enterprise credit risk is also increasing, enterprise credit risk management has become the focus of attention of the bank. Firstly, this paper analyzes and summarizes the concept, structure, cause theory and control theory of bank credit risk through the reference of historical documents. Then taking Wenzhou commercial bank enterprise credit risk as the research subject, taking Wenzhou commercial bank enterprise credit situation as the breakthrough point, the paper emphatically analyzes the Wenzhou commercial bank enterprise credit risk has the connection, the transfer, the concealment. This paper discusses the five characteristics of industry and policy, and then discusses the causes of these credit risks, which are made up of external environment, enterprise management and commercial banks. In view of the characteristics and causes of the credit risk of the commercial banks in Wenzhou, this paper puts forward the corresponding countermeasures of risk control. The commercial banks in Wenzhou region must, first of all, speed up the handling of mutual guarantee risks according to the associated characteristics of enterprise credit risks, and focus on resolving the risk chain. Secondly, they should strengthen the management of the credit risk process. To effectively monitor the transfer of credit risk resulting from the inflow of enterprise credit funds into abnormal areas; and then according to the Wenzhou area commercial bank enterprise credit, mainly for small and medium-sized enterprises, because of short loans and long term use, Private lending highlights the phenomenon that corporate credit risk has hidden characteristics, pays attention to the innovation of credit model, strengthens the supply of bank credit products, and effectively defuses risks, and sets up the modern commercial bank risk management concept. Implementing credit risk quota management, effectively dissolving the industry characteristics of enterprise credit risk; finally, strengthening bank credit team management, controlling long and overgranting credit, in order to effectively reduce the occurrence probability of risk loan, The policy characteristics of reducing enterprise credit risk. It is a systematic project to strengthen the credit risk control of enterprises. In the current situation of non-performing loans and outstanding credit risk in Wenzhou banking, it is hoped that the relevant reference can be provided for local banks to strengthen credit risk management.
【學(xué)位授予單位】：浙江工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 岳鳳榮;;我國商業(yè)銀行對中小企業(yè)信貸風(fēng)險控制探析[J];現(xiàn)代商業(yè);2008年17期

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本文編號：1917760