优化cmis系统及其在wz建行公司信贷风险控制中的应用研究(67页).rar
优化cmis系统及其在wz建行公司信贷风险控制中的应用研究(67页),摘要本文以cmis系统在wz建行的应用现状为背景，以信息化方法收集对客户的管理信息为措施，以提升wz建行的风险控制能力为目的，结合银行管理和cmis系统的相关理论及实践经验，从wz建行的实际情况出发，在充分调研的基础上，针对基层商业银行在经营过程容易出现的风险，分析了目前cmis系统在基层建设银行风险控制方面存在的缺陷...
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内容介绍
原文档由会员 白痴学东西 发布
摘要
本文以CMIS系统在WZ建行的应用现状为背景，以信息化方法收集对客户的管理信息
为措施，以提升WZ建行的风险控制能力为目的，结合银行管理和CMIS系统的相关理论及
实践经验，从WZ建行的实际情况出发，在充分调研的基础上，针对基层商业银行在经营
过程容易出现的风险，分析了目前CMIS系统在基层建设银行风险控制方面存在的缺陷，
开发了CMIS系统附加功能模块，并运用Louts Notes Domino软件工具进行设计，在优化
系统的基础上，重点对wZ建行公司信贷业务操作流程进行重新梳理，从贷前调查、审查、
审批、发放、贷后管理直到回收的各个环节提出了具体操作程序和重点控制内容，改变了
以前CMIS系统只对已发生的信贷业务进行信息化管理的模式，使信贷人员树立起了对客
户全流程信息化管理的意识。为经营人员在经营信贷资产过程中出现的各种风险，提供了
及时、多样化的信息反馈渠道，为提升WZ建行公司信贷业务的整体风险控制能力夯实基
础。
【关键词】CMIS系统公司信贷业务风险控制
1
1绪论·····················································································································1
1.1选题背景及意义···············································································································1
1.2研究内容及方法···············································································································2
1.3主要观点及论文结构安排·······························································································3
2商业银行信贷业务风险控制理论综述·····························································5
2.1商业银行的信贷风险种类·······························································································5
2.2商业银行信贷风险控制的必要性····················································································6
2.3我国商业银行信贷风险控制现状····················································································6
2.4西方商业银行信贷风险控制借鉴····················································································7
3 WZ建行公司信贷资产质量分析······································································9
3.1 WZ建行基本情况············································································································9
3.2 WZ建行公司信贷业务现状和质量分析·······································································10
3.2.1 WZ建行公司信贷业务现状····················································································10
3.2.2 WZ建行公司信贷资产质量状况············································································12
3.3 WZ建行目前存在的主要信贷风险及形成原因···························································15
3.4提高WZ建行公司信贷业务风险控制能力的必要性··················································18
4 CMIS系统在WZ建行公司信贷业务风险控制中的应用现状·····················20
4.1 CMIS系统简介··············································································································20
4.2 CMIS系统在信贷风险控制方面的主要功能·······························································22
4.2.1客户信息管理··········································································································22
4.2.2合同信息管理···························································..
本文以CMIS系统在WZ建行的应用现状为背景，以信息化方法收集对客户的管理信息
为措施，以提升WZ建行的风险控制能力为目的，结合银行管理和CMIS系统的相关理论及
实践经验，从WZ建行的实际情况出发，在充分调研的基础上，针对基层商业银行在经营
过程容易出现的风险，分析了目前CMIS系统在基层建设银行风险控制方面存在的缺陷，
开发了CMIS系统附加功能模块，并运用Louts Notes Domino软件工具进行设计，在优化
系统的基础上，重点对wZ建行公司信贷业务操作流程进行重新梳理，从贷前调查、审查、
审批、发放、贷后管理直到回收的各个环节提出了具体操作程序和重点控制内容，改变了
以前CMIS系统只对已发生的信贷业务进行信息化管理的模式，使信贷人员树立起了对客
户全流程信息化管理的意识。为经营人员在经营信贷资产过程中出现的各种风险，提供了
及时、多样化的信息反馈渠道，为提升WZ建行公司信贷业务的整体风险控制能力夯实基
础。
【关键词】CMIS系统公司信贷业务风险控制
1
1绪论·····················································································································1
1.1选题背景及意义···············································································································1
1.2研究内容及方法···············································································································2
1.3主要观点及论文结构安排·······························································································3
2商业银行信贷业务风险控制理论综述·····························································5
2.1商业银行的信贷风险种类·······························································································5
2.2商业银行信贷风险控制的必要性····················································································6
2.3我国商业银行信贷风险控制现状····················································································6
2.4西方商业银行信贷风险控制借鉴····················································································7
3 WZ建行公司信贷资产质量分析······································································9
3.1 WZ建行基本情况············································································································9
3.2 WZ建行公司信贷业务现状和质量分析·······································································10
3.2.1 WZ建行公司信贷业务现状····················································································10
3.2.2 WZ建行公司信贷资产质量状况············································································12
3.3 WZ建行目前存在的主要信贷风险及形成原因···························································15
3.4提高WZ建行公司信贷业务风险控制能力的必要性··················································18
4 CMIS系统在WZ建行公司信贷业务风险控制中的应用现状·····················20
4.1 CMIS系统简介··············································································································20
4.2 CMIS系统在信贷风险控制方面的主要功能·······························································22
4.2.1客户信息管理··········································································································22
4.2.2合同信息管理···························································..
