交通銀行信貸風險管理研究
發(fā)布時間：2018-12-29 10:22
【摘要】：近年來,雖然國內(nèi)商業(yè)銀行開始根據(jù)資本充足率達標要求,調(diào)整信貸結(jié)構(gòu),控制資產(chǎn)規(guī)模增速。但是現(xiàn)階段,國內(nèi)外經(jīng)濟形勢仍然復雜,經(jīng)濟企穩(wěn)向好的態(tài)勢還不穩(wěn)定。從國際環(huán)境看,金融危機影響仍然存在,包括一些發(fā)達國家經(jīng)濟復蘇的基礎還不穩(wěn)固,世界經(jīng)濟全面復蘇和我國外貿(mào)出口恢復高增長仍然需要一個較長的過程。從國內(nèi)形勢看,擴大內(nèi)需政策效應減弱,經(jīng)濟增長內(nèi)生動力不強；發(fā)展方式轉(zhuǎn)變依然滯后,結(jié)構(gòu)調(diào)整壓力進一步加大；通貨膨脹預期明顯上升。當前我國商業(yè)銀行正面臨前所未有的巨大的競爭壓力和復雜的市場環(huán)境,政府當局要求強化銀行表外業(yè)務監(jiān)管,防止風險積聚,保持金融系統(tǒng)健康穩(wěn)定；同時高度重視地方政府性債務的舉借和管理,嚴格控制增量,逐步消化存量,有效化解風險。特別要求金融機構(gòu)要切實加強風險識別和風險管理,遵循商業(yè)化原則,審慎評估借款人財務能力和還款來源。準確把握政策導向,扎實推進風險管理,將是今后銀行信貸風險管理工作的重中之重。 本人站在銀行一線員工的角度,結(jié)合現(xiàn)實宏觀條件,借鑒國外先進商業(yè)銀行信貸風險管理經(jīng)驗,采取理論探討和數(shù)據(jù)指標分析相結(jié)合的基本研究方法,在前人對銀行信貸風險管理研究的基礎上,根據(jù)目前商業(yè)銀行風險管理面臨的變化趨勢,提煉我國商業(yè)銀行信貸風險管理共同所面臨的問題,特別是交通銀行正在經(jīng)歷的問題,為交通銀行全面風險管理提出建議。 本文共分為五章。第一章導論介紹本文的研究背景、文獻綜述和研究方案；第二章分析交通銀行信貸風險管理狀況；第三章從交通銀行信貸風險管理現(xiàn)狀,引出交通銀行信貸風險管理存在的問題并究其成因：第四章總結(jié)了國內(nèi)外先進商業(yè)銀行信貸風險管理的經(jīng)驗.為后續(xù)的分析提供經(jīng)驗支持：第五章將國內(nèi)外先進商業(yè)銀行信貸風險管理的先進經(jīng)驗融入對交通銀行信貸風險管理問題解決方案建議中。
[Abstract]:In recent years, although domestic commercial banks have begun to adjust the credit structure and control the growth rate of assets according to the requirements of capital adequacy ratio. However, at this stage, the domestic and foreign economic situation is still complex, the economic stability is not stable. From the point of view of international environment, the influence of financial crisis still exists, including that the foundation of economic recovery in some developed countries is still not firm, and it still takes a long time for the world economy to recover in an all-round way and China's foreign trade export to resume its high growth. From the point of view of domestic situation, the policy effect of expanding domestic demand is weakened, the endogenous motive force of economic growth is not strong, the transformation of development mode is still lagging behind, the pressure of structural adjustment is increasing further, and the expectation of inflation is obviously rising. At present, Chinese commercial banks are facing unprecedented competition pressure and complex market environment. The government authorities demand to strengthen the supervision of off-balance sheet business of banks, prevent the accumulation of risks, and keep the financial system healthy and stable. At the same time, we attach great importance to the borrowing and management of local government debt, strictly control the increment, gradually digest the stock, and effectively resolve the risk. In particular, financial institutions should strengthen risk identification and risk management, follow the principle of commercialization, and carefully assess the financial capacity of borrowers and the sources of repayment. It will be the most important task of bank credit risk management in the future to grasp the policy guidance and promote risk management. From the point of view of bank front-line staff, combining with the actual macro conditions, and drawing lessons from foreign advanced commercial bank credit risk management experience, I adopt the basic research method of combining theoretical discussion and data index analysis. On the basis of previous researches on bank credit risk management, according to the changing trend of commercial bank risk management, the common problems of commercial bank credit risk management in China are refined, especially the problems that the Bank of Communications is experiencing. Provide advice for Bank of Communications on overall risk management. This paper is divided into five chapters. The first chapter introduces the research background, the literature review and the research plan, the second chapter analyzes the credit risk management of Bank of Communications. The third chapter from the current situation of credit risk management of Bank of Communications leads to the existing problems of credit risk management of Bank of Communications and its causes: chapter four summarizes the experience of credit risk management of advanced commercial banks at home and abroad. In chapter 5, the advanced experience of domestic and foreign advanced commercial banks' credit risk management is integrated into the solutions to the problems of bank of communications credit risk management.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4
本文編號：2394715
[Abstract]:In recent years, although domestic commercial banks have begun to adjust the credit structure and control the growth rate of assets according to the requirements of capital adequacy ratio. However, at this stage, the domestic and foreign economic situation is still complex, the economic stability is not stable. From the point of view of international environment, the influence of financial crisis still exists, including that the foundation of economic recovery in some developed countries is still not firm, and it still takes a long time for the world economy to recover in an all-round way and China's foreign trade export to resume its high growth. From the point of view of domestic situation, the policy effect of expanding domestic demand is weakened, the endogenous motive force of economic growth is not strong, the transformation of development mode is still lagging behind, the pressure of structural adjustment is increasing further, and the expectation of inflation is obviously rising. At present, Chinese commercial banks are facing unprecedented competition pressure and complex market environment. The government authorities demand to strengthen the supervision of off-balance sheet business of banks, prevent the accumulation of risks, and keep the financial system healthy and stable. At the same time, we attach great importance to the borrowing and management of local government debt, strictly control the increment, gradually digest the stock, and effectively resolve the risk. In particular, financial institutions should strengthen risk identification and risk management, follow the principle of commercialization, and carefully assess the financial capacity of borrowers and the sources of repayment. It will be the most important task of bank credit risk management in the future to grasp the policy guidance and promote risk management. From the point of view of bank front-line staff, combining with the actual macro conditions, and drawing lessons from foreign advanced commercial bank credit risk management experience, I adopt the basic research method of combining theoretical discussion and data index analysis. On the basis of previous researches on bank credit risk management, according to the changing trend of commercial bank risk management, the common problems of commercial bank credit risk management in China are refined, especially the problems that the Bank of Communications is experiencing. Provide advice for Bank of Communications on overall risk management. This paper is divided into five chapters. The first chapter introduces the research background, the literature review and the research plan, the second chapter analyzes the credit risk management of Bank of Communications. The third chapter from the current situation of credit risk management of Bank of Communications leads to the existing problems of credit risk management of Bank of Communications and its causes: chapter four summarizes the experience of credit risk management of advanced commercial banks at home and abroad. In chapter 5, the advanced experience of domestic and foreign advanced commercial banks' credit risk management is integrated into the solutions to the problems of bank of communications credit risk management.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4
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