【摘要】：金融是當(dāng)代經(jīng)濟(jì)的核心，一國(guó)金融行業(yè)運(yùn)行質(zhì)量的好壞，效率的高低，，對(duì)其國(guó)民經(jīng)濟(jì)的健康發(fā)展至關(guān)重要。在中國(guó)特色社會(huì)主義市場(chǎng)經(jīng)濟(jì)條件下，銀行間接信用是我國(guó)金融體系的基調(diào)，這決定了銀行業(yè)（特別是商業(yè)銀行）在我國(guó)國(guó)民經(jīng)濟(jì)體系中的重要地位，因此對(duì)中國(guó)金融領(lǐng)域的研究，很大程度上就是對(duì)商業(yè)銀行的研究。 信貸業(yè)務(wù)是商業(yè)銀行業(yè)務(wù)的核心，也是其利潤(rùn)的主要來(lái)源。商業(yè)銀行的資產(chǎn)中約70%-80%是信貸資產(chǎn)，因此商業(yè)銀行所面對(duì)的風(fēng)險(xiǎn)主要是來(lái)自信貸資產(chǎn)方面的風(fēng)險(xiǎn)。風(fēng)險(xiǎn)與收益并存，高收益必伴隨高風(fēng)險(xiǎn)。在保證銀行信貸收益的同時(shí)，如何有效控制風(fēng)險(xiǎn)，是商業(yè)銀行信貸風(fēng)險(xiǎn)管理的核心內(nèi)容。對(duì)信貸資產(chǎn)的管理、信貸風(fēng)險(xiǎn)的防范須在貸前及貸后制定科學(xué)合理的管理制度體系。因此，貸后管理是商業(yè)銀行防范風(fēng)險(xiǎn)的一個(gè)重要步驟，對(duì)銀行識(shí)別、預(yù)警、控制、化解風(fēng)險(xiǎn)具有十分重要的研究意義。由于我國(guó)四大國(guó)有銀行和股份商業(yè)銀行占據(jù)國(guó)內(nèi)金融市場(chǎng)的絕對(duì)份額這一特殊性的存在，長(zhǎng)期以來(lái)，專家學(xué)者對(duì)其信貸資產(chǎn)管理的進(jìn)行了多方面、深層次、卓有成效的研究，總結(jié)出為數(shù)眾多的理論成果，但對(duì)貸后管理一直是我國(guó)銀行業(yè)信貸管理的薄弱環(huán)節(jié)。 本文在前人研究的基礎(chǔ)上，結(jié)合當(dāng)前我國(guó)金融市場(chǎng)發(fā)展的現(xiàn)狀，對(duì)銀行信貸資產(chǎn)的管理（著重于貸后管理）做深層次的研究、總結(jié)。運(yùn)用定性與定量相結(jié)合的分析方法，在理論的基礎(chǔ)上，對(duì)C銀行信貸資產(chǎn)貸后管理中存在的問(wèn)題，尤其是對(duì)貸后違約風(fēng)險(xiǎn)的確認(rèn)、計(jì)量進(jìn)行了深入剖析，最后提出相關(guān)改革完善建議。本文通過(guò)提出適合C銀行信貸業(yè)務(wù)發(fā)展的貸后管理策略建議，希望對(duì)C銀行信貸業(yè)務(wù)風(fēng)險(xiǎn)防范工作有所幫助。
[Abstract]:Finance is the core of contemporary economy. The operation quality and efficiency of a country's financial industry are very important to the healthy development of its national economy. Under the condition of socialist market economy with Chinese characteristics, the indirect credit of banks is the keynote of our financial system, which determines the important position of banking (especially commercial banks) in the national economic system of our country. Therefore, the research on China's financial field, to a large extent, is the study of commercial banks. Credit business is the core of commercial bank business and the main source of profit. About 70% to 80% of the assets of commercial banks are credit assets, so the risks faced by commercial banks are mainly from credit assets. Risk and return coexist, high return must accompany high risk. At the same time, how to control risks effectively is the core of credit risk management of commercial banks. For the management of credit assets, the prevention of credit risk should establish a scientific and reasonable management system before and after the loan. Therefore, post-loan management is an important step for commercial banks to prevent risks, which is of great significance for banks to identify, warn, control and resolve risks. Because of the particularity of the four state-owned banks and the shareholding commercial banks occupying the absolute share of the domestic financial market, for a long time, experts and scholars have carried out many, deep and fruitful studies on the management of their credit assets. A large number of theoretical achievements have been summarized, but the post-loan management has been the weak link of the banking credit management in China. On the basis of previous studies and the current situation of financial market development in China, this paper makes a deep research on the management of bank credit assets (focusing on post-loan management) and summarizes it. On the basis of the theory, the problems existing in the post-loan management of bank C's credit assets, especially the confirmation of the risk of default after the loan, are deeply analyzed by the method of qualitative and quantitative analysis. Finally, the paper puts forward some suggestions on the reform and perfection. In this paper, the author puts forward the suggestion of post-loan management strategy suitable for the development of bank C bank credit business, hoping to be helpful to the risk prevention work of bank C bank credit business.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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