【摘要】：隨著全球經(jīng)濟(jì)一體化的進(jìn)程,我國(guó)銀行業(yè)國(guó)際化進(jìn)程也在不斷加快,在這樣的大背景下,我國(guó)銀行業(yè)面臨著巨大的挑戰(zhàn)和機(jī)遇。信貸風(fēng)險(xiǎn)是商業(yè)銀行所面臨的主要風(fēng)險(xiǎn)之一,就潛在損失的程度而言,信貸風(fēng)險(xiǎn)是商業(yè)銀行的首要風(fēng)險(xiǎn),商業(yè)銀行信貸風(fēng)險(xiǎn)管理水平低下是信貸風(fēng)險(xiǎn)產(chǎn)生的主要原因,因此,如何提高信貸風(fēng)險(xiǎn)管理水平是我國(guó)銀行業(yè)面臨的重大課題。 本文以廣發(fā)銀行沈陽(yáng)分行為研究對(duì)象,首先介紹了廣發(fā)銀行沈陽(yáng)的業(yè)務(wù)概況,接著在前人的研究基礎(chǔ)上對(duì)信貸業(yè)務(wù)風(fēng)險(xiǎn)管理理論總結(jié)和分析。在理論分析的基礎(chǔ)之上,本文對(duì)通過(guò)對(duì)比的方法對(duì)廣發(fā)銀行沈陽(yáng)分行的風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行了分析,通過(guò)廣發(fā)銀行與東亞銀行、廣發(fā)銀行與浦發(fā)銀行的對(duì)比分析,找出廣發(fā)銀行在風(fēng)險(xiǎn)管理方面存在的問(wèn)題和差距,并分析了導(dǎo)致風(fēng)險(xiǎn)管理問(wèn)題產(chǎn)生的原因。最后,本文從信貸分類風(fēng)險(xiǎn)管理對(duì)策、風(fēng)險(xiǎn)流程改造、建立信貸風(fēng)險(xiǎn)評(píng)估體系和建立全方位的風(fēng)險(xiǎn)管理體系四個(gè)方面展開(kāi)了研究,以達(dá)到切實(shí)防范信貸資產(chǎn)風(fēng)險(xiǎn),改善廣發(fā)銀行沈陽(yáng)分行信貸經(jīng)營(yíng)現(xiàn)狀的目的。 本文在研究過(guò)程中,主要運(yùn)用了管理學(xué)、金融學(xué)、統(tǒng)計(jì)學(xué)等學(xué)科中的知識(shí)原理,采用了理論研究與實(shí)證分析并重的方式,在問(wèn)題的研究上采取定性與定量分析相結(jié)合的方法。 本文共分為六章：第一章緒論部分介紹了課題研究意義、文獻(xiàn)綜述、研究?jī)?nèi)容和論文結(jié)構(gòu)；第二章介紹了廣發(fā)銀行沈陽(yáng)分行的業(yè)務(wù)概況；第三章綜合介紹了信貸業(yè)務(wù)風(fēng)險(xiǎn)管理理論；第四章對(duì)廣發(fā)銀行沈陽(yáng)分行信貸風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行了對(duì)比分析,找出了存在的問(wèn)題和原因；第五章提出了改進(jìn)廣發(fā)銀行沈陽(yáng)分行信貸風(fēng)險(xiǎn)管理的措施；第六章是結(jié)束語(yǔ)部分。 希望通過(guò)本文的研究,理論聯(lián)系實(shí)際,對(duì)廣發(fā)銀行沈陽(yáng)分行今后的信貸風(fēng)險(xiǎn)管理理念和對(duì)策選擇提供一些借鑒和幫助,以完善其信貸風(fēng)險(xiǎn)管理體系,提高信貸資產(chǎn)質(zhì)量,實(shí)現(xiàn)各項(xiàng)業(yè)務(wù)持續(xù)、健康、穩(wěn)定的發(fā)展,同時(shí)也希望能給其它商業(yè)銀行的信貸風(fēng)險(xiǎn)管理提供一定的借鑒作用。
[Abstract]:With the process of global economic integration, China's banking industry is also accelerating the process of internationalization, in such a background, China's banking industry is facing enormous challenges and opportunities. Credit risk is one of the main risks faced by commercial banks. In terms of the degree of potential loss, credit risk is the primary risk of commercial banks, and the low level of credit risk management of commercial banks is the main cause of credit risk. How to improve the level of credit risk management is a major issue facing our banking industry. This paper takes the Shenyang Branch of Guangfa Bank as the research object, firstly introduces the general situation of the business of Guangfa Bank in Shenyang, and then summarizes and analyzes the theory of credit business risk management on the basis of previous research. On the basis of theoretical analysis, this paper analyzes the risk management status of Guangfa Bank Shenyang Branch by means of comparative analysis, and through the comparative analysis between Guangfa Bank and Bank of East Asia, Guangfa Bank and Pudong Development Bank. To find out the problems and gaps in risk management, and analyze the causes of risk management problems. Finally, this paper has carried out the research from four aspects of the credit classification risk management countermeasure, the risk process transformation, the establishment credit risk appraisal system and the establishment omni-directional risk management system, in order to effectively prevent the credit assets risk, The purpose of improving the credit management status of Guangfa Bank Shenyang Branch. In the course of the research, this paper mainly uses the knowledge principle of management, finance, statistics and so on, adopts the way of both theoretical research and empirical analysis, and adopts the method of combining qualitative and quantitative analysis in the study of problems. This paper is divided into six chapters: the first chapter introduces the research significance, literature review, research content and paper structure, the second chapter introduces the business situation of Guangfa Bank Shenyang Branch. The third chapter introduces the theory of credit risk management, the fourth chapter compares and analyzes the present situation of credit risk management in Shenyang Branch of Guangfa Bank, and finds out the existing problems and reasons. Chapter five puts forward the measures to improve the credit risk management of Guangzhou Bank Shenyang Branch, and the sixth chapter is the conclusion. Through the research of this paper, the author hopes to provide some reference and help to improve the credit risk management system and improve the quality of credit assets for the future credit risk management idea and countermeasure choice of Shenyang Branch of Guangfa Bank, in order to improve the credit risk management system and improve the quality of credit assets. To realize the continuous, healthy and stable development of the business, and also hope to provide some reference for the credit risk management of other commercial banks.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前8條

1 劉靜,吳珂,朱曉艷;商業(yè)銀行信貸風(fēng)險(xiǎn)管理策略研究[J];經(jīng)濟(jì)師;2004年12期

2 陳小憲;重塑商業(yè)銀行長(zhǎng)期發(fā)展模式——追求長(zhǎng)期穩(wěn)定盈利,徹底擯棄單純規(guī)模擴(kuò)張[J];金融研究;2003年12期

3 劉惠玲,黃國(guó)棟;論商業(yè)銀行信貸風(fēng)險(xiǎn)管理創(chuàng)新[J];中國(guó)農(nóng)業(yè)銀行武漢培訓(xùn)學(xué)院學(xué)報(bào);2004年04期

4 王秀卿;商業(yè)銀行信貸風(fēng)險(xiǎn)管理的問(wèn)題及法律對(duì)策[J];吉林省經(jīng)濟(jì)管理干部學(xué)院學(xué)報(bào);2004年04期

5 石漢祥;論國(guó)有商業(yè)銀行的信貸風(fēng)險(xiǎn)管理[J];武漢大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2003年01期

6 高麗;財(cái)務(wù)危機(jī)預(yù)警判別模型在金融企業(yè)信貸風(fēng)險(xiǎn)管理中的應(yīng)用[J];新疆石油教育學(xué)院學(xué)報(bào);2004年02期

7 李曉勤,李妍;提高銀行信貸風(fēng)險(xiǎn)管理能力的途徑選擇[J];云南財(cái)貿(mào)學(xué)院學(xué)報(bào);2003年05期

8 李志剛;國(guó)外商業(yè)銀行信貸風(fēng)險(xiǎn)管理組織架構(gòu)[J];中國(guó)城市金融;2003年11期

，

本文編號(hào)：2184864