【摘要】：20世紀初,集團化發(fā)展成為企業(yè)成長的主流模式,我國企業(yè)集團也開始蓬勃發(fā)展。對銀行來說,企業(yè)集團以大資產(chǎn)數(shù)額作為信號,顯示了其較強的市場競爭能力和抗風險能力,集團客戶成為各家銀行競相追逐的對象。但就風險而言,集團客戶存在貸款集中度高、風險隱蔽性強等信貸風險,例如許多企業(yè)集團存在盲目擴張、虛假資產(chǎn)、過度擔保、財務杠桿率過高等問題,這些企業(yè)集團的風險具有很強的隱蔽性,特別是在經(jīng)濟繁榮時期。當經(jīng)濟處于下行時期,企業(yè)效益受經(jīng)濟環(huán)境影響大幅下滑,隱藏的財務風險就會暴露。風險暴露后多呈現(xiàn)多米諾效應,與之而來的銀行相關關聯(lián)企業(yè)群的資金鏈就會發(fā)生斷裂,給銀行造成較大資產(chǎn)損失。因此,集團客戶的信貸風險管理是銀行信貸資產(chǎn)風險管理的重中之重。 論文以國家開發(fā)銀行甘肅省分行為研究對象,通過對集團客戶信貸風險現(xiàn)狀及成因分析、信貸風險管理機制分析,理清開發(fā)銀行甘肅分行集團客戶信貸風險管理中存在的問題。結合工作實踐,提出開發(fā)銀行甘肅分行集團客戶信貸風險管理對策,力圖對集團客戶信貸風險管理工作予以啟示,拓展集團客戶信貸風險管理問題的解決思路并希望為相關理論研究提供實踐支持。
[Abstract]:At the beginning of 20 ~ (th) century, collectivization developed into the mainstream mode of enterprise growth, and Chinese enterprise group began to flourish. For the banks, the large amount of assets is the signal of the enterprise group, which shows its strong market competitiveness and anti-risk ability, and the group customers become the object of each bank chasing after each other. However, in terms of risks, group customers have credit risks such as high loan concentration and high risk concealment. For example, many enterprise groups have problems such as blind expansion, false assets, excessive guarantee, excessive financial leverage, and so on. The risks of these conglomerates are highly hidden, especially in times of economic prosperity. When the economy is in the downward period, the enterprise benefit is affected by the economic environment, the hidden financial risk will be exposed. After risk exposure, there is domino effect, and the capital chain of related enterprises will break, which will result in a large loss of assets to the bank. Therefore, the credit risk management of group customers is the most important part of bank credit asset risk management. This paper takes Gansu Branch of China Development Bank as the research object, analyzes the present situation and causes of group customer credit risk, and analyzes the mechanism of credit risk management, and clarifies the problems existing in the management of group credit risk of Gansu Branch of China Development Bank. Combined with the working practice, this paper puts forward the countermeasures of the group credit risk management of Gansu Branch of the Development Bank, and tries to enlighten the group customer credit risk management work. To expand the group customer credit risk management solutions and hope to provide practical support for relevant theoretical research.
【學位授予單位】：蘭州大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.3;F832.4

【參考文獻】

相關期刊論文 前10條

1 王蘭軍,張合金;我國政策性銀行的經(jīng)營風險及其防范研究[J];財經(jīng)研究;2001年05期

2 白欽先,王偉;政策性金融監(jiān)督機制與結構的國際比較[J];國際金融研究;2005年05期

3 陳元;發(fā)揮開發(fā)性金融作用 促進中國經(jīng)濟社會可持續(xù)發(fā)展[J];管理世界;2004年07期

4 白欽先;國內外政策性金融理論與實踐若干問題的思考[J];廣東金融學院學報;2005年01期

5 付笑春;我國政策性銀行信貸風險管理問題淺議[J];經(jīng)濟問題探索;2004年11期

6 陳元;中國政策性金融的理論與實踐──兼論國家開發(fā)銀行的改革和發(fā)展[J];金融科學;2000年03期

7 宋文力,郭立;政策性銀行信貸風險防范化解對策[J];金融科學;2000年03期

8 陳志祥;論政策性金融運行的制度安排[J];金融理論與實踐;1997年04期

9 連育青;連宇峰;;商業(yè)銀行集團客戶信貸風險管理研究[J];技術經(jīng)濟;2007年08期

10 四川銀監(jiān)局課題組;程鏗;歐陽謙;;集團客戶信貸風險的表現(xiàn)形式及防范措施[J];西南金融;2008年03期

，

本文編號：2150878