中国建设银行大理xx支行信贷风险与防范毕业论文.doc
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中国建设银行大理xx支行信贷风险与防范毕业论文,摘要信贷业务是商业银行最传统的业务，信贷风险是商业银行面临的主要风险，信贷风险管理是商业银行常抓不懈的工作。信贷风险管理的最终目标是在承受一定风险的前提下获取银行收益最大化，实现银行信贷资产的流动性、安全性和盈利性。国际先进银行业信贷风险管理经过长期发展，已形成了比较完善的信贷风险管理体系。这种良好的信贷风险管理体系有...
内容介绍
此文档由会员 白痴学东西 发布
摘要
信贷业务是商业银行最传统的业务，信贷风险是商业银行面临的主要风险，信贷风险管理是商业银行常抓不懈的工作。信贷风险管理的最终目标是在承受一定风险的前提下获取银行收益最大化，实现银行信贷资产的流动性、安全性和盈利性。
国际先进银行业信贷风险管理经过长期发展，已形成了比较完善的信贷风险管理体系。这种良好的信贷风险管理体系有利于防止不良贷款的产生，为这些国家经济的平稳运行做出了较大贡献。与之相比，中国商业银行信贷风险管理还处于初步发展阶段，表现为信贷风险管理水平的低下，商业银行体系内大量的不良贷款。这既制约了银行自身的发展，也给中国经济的增长带来潜在隐患。提高中国商业银行信贷风险管理水平，化解金融风险，应积极借鉴发达国家商业银行信贷风险管理经验，建立完善的信贷风险管理体系。
中国建设银行大理xx支行作为建行的一个分支机构，其信贷风险管理和国际先进银行业相比存在较大差距，信贷风险管理中存在较多问题，主要表现为信贷风险文化的缺乏、信息系统与管理工具的落后、信贷风险管理组织架构的不合理、高素质人员培养机制的缺乏以及信贷风险管理流程的不合理。
在中国商业银行目前所处的大背景下，中国建设银行大理xx支行信贷风险管理体系的建立应从自身特点出发，构建一套符合自身发展需要的信贷风险管理体系，以减少不良贷款，提高资产收益率。
关键词:信贷风险管理、信贷风险、信贷风险模型、风险现状、测量方法、评级方式
Abstract
Credit is the most traditional business of commercial bank , and credit exposure is the main risk for commercial bank to deal with, and therefore credit risk management becomes commercial bank’s daily work.
In this paper, it firstly introduces the conception of risk and considers its essentiality is uncertainty that can be measured by some ways. According to risk’s conception, the paper defines credit exposure. Commercial bank faces many kinds of risk in dealing with its business, and credit risk is one of the most, which is resulted by many causes. In our country, causes of commercial’s credit risk includes historical system factor, internal and external factor and new factor resulted by the course of development. Despite of the above various causes, characteristics of credit, recognition and measurement of credit risk, prevention and deal with it, and such system can lower risk and avoid the loss of asset of banks.
The branch of china construction bank in dali city at municipal level. compared with international advanced bank industry, wider gap exists between the two’s credit risk management. There are many problems in credit risk management of dali sub branch of the construction bank china such as unreasonableness of organization framework of credit risk management, shortage of number of credit persons with good quality, backwardness of means of credit risk management, unreasonableness of flow and policy of credit transaction and singleness of resolving method of credit risk. Under the present background in which china commercial bank exists, reconstruction of system of credit risk management of dali sub branch of the china construction bank should be based on its own characters and from five factors. Such a loan risk management system can reduce Non-performing loan and raise rate of asset returns.
Key words: credit risk management 、credit risk 、credit risk model、the status que of credit risk 、the method of measurement|
摘要 1
Abstract 2
第1章 绪论 3
1.1研究的背景 3
1.2国内外的研究现状的综述 4
1.2.1国外研究现状 4
1.2.2国内研究现状 4
1.3研究的目的及意义 5
1.3.1研究目的 5
1.3.2研究意义 5
第2章大理xx支行的信贷风险现状分析 6
2.1中国建设银行大理xx支行的简介 6
2.2中国建设银行大理xx支行信贷风险及成因分析 7
第3章大理xx支行信贷风险的对策及建议 10
3.1管理模式集中化、扁平化、专业化 10
3.1.1管理模式集中化 10
3.1.2由多层级管理向扁平化管理转变 10
3.1.3由行政式管理向专家式管理转变 11
3.2严格评定客户信用等级和贷款风险限额的方法 11
3.2.1严格客户的贷款审查 11
3.2.2完善客户信用等级的评定 12
3.3建立科学的风险预警机制 13
3.4运用定量分析工具加强对贷后管理来化解信贷风险 13
3.5如何应对支行外部条件问题的建议 14
结束语 16
致 谢 17
参考文献 18
信贷业务是商业银行最传统的业务，信贷风险是商业银行面临的主要风险，信贷风险管理是商业银行常抓不懈的工作。信贷风险管理的最终目标是在承受一定风险的前提下获取银行收益最大化，实现银行信贷资产的流动性、安全性和盈利性。
国际先进银行业信贷风险管理经过长期发展，已形成了比较完善的信贷风险管理体系。这种良好的信贷风险管理体系有利于防止不良贷款的产生，为这些国家经济的平稳运行做出了较大贡献。与之相比，中国商业银行信贷风险管理还处于初步发展阶段，表现为信贷风险管理水平的低下，商业银行体系内大量的不良贷款。这既制约了银行自身的发展，也给中国经济的增长带来潜在隐患。提高中国商业银行信贷风险管理水平，化解金融风险，应积极借鉴发达国家商业银行信贷风险管理经验，建立完善的信贷风险管理体系。
中国建设银行大理xx支行作为建行的一个分支机构，其信贷风险管理和国际先进银行业相比存在较大差距，信贷风险管理中存在较多问题，主要表现为信贷风险文化的缺乏、信息系统与管理工具的落后、信贷风险管理组织架构的不合理、高素质人员培养机制的缺乏以及信贷风险管理流程的不合理。
在中国商业银行目前所处的大背景下，中国建设银行大理xx支行信贷风险管理体系的建立应从自身特点出发，构建一套符合自身发展需要的信贷风险管理体系，以减少不良贷款，提高资产收益率。
关键词:信贷风险管理、信贷风险、信贷风险模型、风险现状、测量方法、评级方式
Abstract
Credit is the most traditional business of commercial bank , and credit exposure is the main risk for commercial bank to deal with, and therefore credit risk management becomes commercial bank’s daily work.
In this paper, it firstly introduces the conception of risk and considers its essentiality is uncertainty that can be measured by some ways. According to risk’s conception, the paper defines credit exposure. Commercial bank faces many kinds of risk in dealing with its business, and credit risk is one of the most, which is resulted by many causes. In our country, causes of commercial’s credit risk includes historical system factor, internal and external factor and new factor resulted by the course of development. Despite of the above various causes, characteristics of credit, recognition and measurement of credit risk, prevention and deal with it, and such system can lower risk and avoid the loss of asset of banks.
The branch of china construction bank in dali city at municipal level. compared with international advanced bank industry, wider gap exists between the two’s credit risk management. There are many problems in credit risk management of dali sub branch of the construction bank china such as unreasonableness of organization framework of credit risk management, shortage of number of credit persons with good quality, backwardness of means of credit risk management, unreasonableness of flow and policy of credit transaction and singleness of resolving method of credit risk. Under the present background in which china commercial bank exists, reconstruction of system of credit risk management of dali sub branch of the china construction bank should be based on its own characters and from five factors. Such a loan risk management system can reduce Non-performing loan and raise rate of asset returns.
Key words: credit risk management 、credit risk 、credit risk model、the status que of credit risk 、the method of measurement|
摘要 1
Abstract 2
第1章 绪论 3
1.1研究的背景 3
1.2国内外的研究现状的综述 4
1.2.1国外研究现状 4
1.2.2国内研究现状 4
1.3研究的目的及意义 5
1.3.1研究目的 5
1.3.2研究意义 5
第2章大理xx支行的信贷风险现状分析 6
2.1中国建设银行大理xx支行的简介 6
2.2中国建设银行大理xx支行信贷风险及成因分析 7
第3章大理xx支行信贷风险的对策及建议 10
3.1管理模式集中化、扁平化、专业化 10
3.1.1管理模式集中化 10
3.1.2由多层级管理向扁平化管理转变 10
3.1.3由行政式管理向专家式管理转变 11
3.2严格评定客户信用等级和贷款风险限额的方法 11
3.2.1严格客户的贷款审查 11
3.2.2完善客户信用等级的评定 12
3.3建立科学的风险预警机制 13
3.4运用定量分析工具加强对贷后管理来化解信贷风险 13
3.5如何应对支行外部条件问题的建议 14
结束语 16
致 谢 17
参考文献 18
