發(fā)布時間：2018-04-02 06:01

  本文選題：浦發(fā)銀行　切入點：信貸風險　出處：《遼寧大學》2012年碩士論文

【摘要】：目前，中間業(yè)務在商業(yè)銀行中的比重不斷增加，但我國商業(yè)銀行的核心業(yè)務仍然是信貸業(yè)務,在商業(yè)銀行利潤組成中占有舉足輕重的地位，貫穿商業(yè)銀行信貸業(yè)務全過程的信貸風險自然就成為商業(yè)銀行經營風險中面臨的最大風險，商業(yè)銀行的信貸風險管理理應受到商業(yè)銀行從業(yè)人員的重視。然而現(xiàn)實情況是,大多數商業(yè)銀行在信貸業(yè)務中片面注重發(fā)展速度、信貸規(guī)模而放松管理、忽視風險控制，，不重視信貸資產質量長期很差的局面,違規(guī)違紀問題時有發(fā)生的商業(yè)銀行尚未消化舊的不良貸款包袱,新的不良貸款包袱又形成,為商業(yè)銀行的安全運營安上了定時炸彈,時刻威脅著我國的商業(yè)銀行體系、金融市場和整個社會經濟的穩(wěn)定。因此,我國銀行業(yè)運營過程中面臨的重大課題就可以概括為如何提高信貸風險管理水平。 本文以上海浦東發(fā)展銀行股份有限公司沈陽分行為研究對象,筆者對以往關于商業(yè)銀行風險和商業(yè)銀行信貸風險的眾多國內外文獻進行閱讀之后,在對相關理論進行了整理、總結、分析的基礎上,找到了適應浦發(fā)沈陽分行現(xiàn)狀的信貸風險研究的突破點。在系統(tǒng)的闡述了本文的研究背景、研究意義以及論文框架后,本文首先從介紹商業(yè)銀行信貸風險的概念、特征、產生原因及信貸風險管理的程序、目標的基本理論知識入手,通過對浦發(fā)銀行沈陽分行信貸風險管理現(xiàn)狀的分析,找出浦發(fā)沈陽分行在信貸風險管理方面存在的問題,并對問題產生的原因進行了深刻的剖析。最后,結合作者自身經驗和從事商業(yè)銀行信貸的工作經歷,在借鑒國內外一些先進的理論和實踐經驗基礎上,針對浦發(fā)沈陽分行面臨的具體問題,提出了改進浦發(fā)沈陽分行信貸風險管理的建議。在文章的結尾,筆者對本文的闡述做了系統(tǒng)總結,并提出了未來商業(yè)銀行信貸風險研究可能的發(fā)展方向。。
[Abstract]:At present, the proportion of intermediate business in commercial banks is increasing, but the core business of commercial banks in our country is still credit business, which plays an important role in the composition of commercial banks' profits. The credit risk that runs through the whole process of commercial bank credit business naturally becomes the biggest risk faced by the commercial bank management risk. The commercial bank credit risk management should be paid attention by the commercial bank employee. However, the reality is that, Most commercial banks pay one-sided attention to the development speed of credit business, relax the management of credit scale, ignore risk control and neglect the situation that the quality of credit assets is very poor for a long time. The problem of violating rules and regulations has not yet digested the old burden of non-performing loans, and the new burden of non-performing loans has formed again, putting a time bomb on the safe operation of commercial banks and threatening the commercial banking system of our country at all times. The stability of financial market and the whole society and economy, therefore, the important subject in the course of banking operation of our country can be summarized as how to improve the level of credit risk management. In this paper, Shanghai Pudong Development Bank Co., Ltd. Shenyang Branch as the research object, the author of the past on the risks of commercial banks and commercial banks credit risk of many domestic and foreign literature, after the collation of relevant theories. On the basis of summing up and analyzing, the paper finds the breakthrough point of credit risk research which adapts to the present situation of Pufa Shenyang Branch. After systematically expounding the research background, significance and frame of this paper, This paper begins with the introduction of the concept, characteristics, causes and procedures of credit risk management of commercial banks, and the basic theoretical knowledge of the objectives, and analyzes the present situation of credit risk management in Shanghai Branch of Pudong Development Bank. To find out the problems existing in the credit risk management of Pufa Shenyang Branch, and analyze the causes of the problems deeply. Finally, combining the author's own experience and the work experience of engaging in commercial bank credit, On the basis of some advanced theories and practical experiences at home and abroad, this paper puts forward some suggestions to improve the credit risk management of Pufa Shenyang Branch, aiming at the specific problems faced by the Shenyang Branch. The author makes a systematic summary of this article, and puts forward the possible development direction of the future commercial bank credit risk research.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.33

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本文編號：1699074