本文關鍵詞：中國農業(yè)發(fā)展銀行JM分行信貸風險管理策略研究　出處：《哈爾濱工業(yè)大學》2014年碩士論文　論文類型：學位論文

  更多相關文章： JM分行 信貸風險 信貸風險管理 管理策略

【摘要】：中國農業(yè)發(fā)展銀行JM分行（本文簡稱JM分行）成立于1996年，作為農業(yè)發(fā)展銀行，履行國家糧棉油購銷及加工的重要職能，為該市農業(yè)的發(fā)展提供強大的資金支持。銀行是高風險的行業(yè)，在銀行的經營過程中風險無處不在。而在其風險構成中，最為核心的仍然為信貸風險，信貸風險的管理與JM分行經營活動密切相關，信貸風險的管理水平是JM分行核心競爭力的體現，因此，防范和化解信貸風險是JM分行經營管理中的永恒主題。 文章以JM分行業(yè)務概況及經營特殊性為基礎，以國內外研究理論和該行信貸業(yè)務經營分析為依據，通過對該行的信貸業(yè)務數據進行統計分析，闡述了JM分行表現出的各種信貸風險特征。本文通過實地調研與理論結合，分析了JM分行信貸風險管理的現狀，通過對JM分行經營特點和風險管理現狀以及面臨的信貸風險的分析，提出其信貸風險管理存在的問題以及產生問題的原因。最后闡述JM分行信貸風險管理的具體措施，包括在全行范圍內創(chuàng)建風險管理文化理念，提高信貸風險防范意識，提高信貸隊伍建設，，通過完善信貸風險管理機制、風險預警機制和風險經理機制來健全全面風險管理體系，采用先進的信貸風險防控手段和技術提高信貸風險管理能力，加強信貸風險的補償和轉移機制來有效補償信貸風險帶來的不可預測的損失。重點加強對JM分行的貸后管理工作以及內控制度的建設，從多角度多方位的提出JM分行信貸風險管理的策略措施，力爭從根本降低JM分行面臨的信貸風險。
[Abstract]:Agricultural Development Bank branch Chinese JM (i.e. JM branch) was established in 1996, as the Agricultural Development Bank, to fulfill the functions of national important grain purchase and sale and processing, to provide strong financial support for the development of the agriculture. The bank is a high-risk industry, the risk is everywhere in the bank process. And in the camp the risk, the core is still the credit risk, credit risk is closely related with the management of JM branch of business activities, credit risk management is the embodiment of the core competitiveness of JM branch, therefore, to prevent and resolve the credit risk is the eternal theme of JM branch in the management.
Based on the JM branch business survey and management particularity based on the domestic and foreign theories and the bank credit business analysis as the basis, through statistical analysis of the data of the bank credit business, elaborated the credit risk characteristics of JM branch shows. Through field research and theory, analysis of the current situation the credit risk management of JM branch, JM branch through the analysis of the operating characteristics and the status of risk management and credit risk, the credit risk management and puts forward the existing problems and causes of the problems. Finally, the specific measures of credit risk management of JM branch, including the creation of the concept of risk management culture within the whole bank, improve credit to improve the credit risk prevention awareness, team building, through the improvement of the credit risk management mechanism, risk warning mechanism and risk manager mechanism to improve the comprehensive risk management system And the use of advanced credit risk control methods and technology to improve the credit risk management, strengthen credit risk compensation and transfer mechanism to effectively compensate the credit risk caused by unpredictable losses. To strengthen the focus on the JM branch of the loan management work and the construction of the internal control system, put forward strategies and measures of credit risk management from multi branch JM the angle, and strive to radically reduce the JM branch of credit risk.

【學位授予單位】：哈爾濱工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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