招商银行济南泉城路支行G企业授信业务中的信贷风险管理研究
发布时间：2018-08-10 21:53
【摘要】：随着经济全球化的发展，我国的金融市场也正在发生深刻的变化，传统的企业贷款的利润不断被压缩，因此，商业银行的逐渐发展和完善，对公授信业务也逐步在银行兴起。目前，银行的收入渠道主要是资产业务和中间业务，而授信包含了大部分的中间业务，可以推动银行中间业务、结算业务等的发展，因此，对公授信业务在我国的商业银行起着十分重要的作用，通过授信结算业务，可以增加银行的结算量，增加手续费和资金实力，另一方面能够提高银行的收益。把授信业务作为重要的拓展业务手段，甚至可以说是银行里的支柱性业务。同时，，在授信业务开展的同时，授信业务也是银行也是高风险的业务之一。与不当会计行为、个人操作业务等相比，虽然对公授信业务的风险发生率比较低，但是操作风险的损失率却远大于前两点行为。如果操作风险与信用风险一旦出现重复，发生的损失要远大于信贷资产的损失，具有很大的风险，也会给银行造成很大的负面影响，引起银行巨大的损失。如果银行不能对授信业务的风险进行很好的控制，公司的不良贷款大量增加，从而造成银行的重大损失。 在经济日益发展的今天，金融市场的重大波动和风险的不确定性，面对如此激烈的大环境下，就必须培养商业银行的风险管理能力、调整商业银行的信贷结构，通过加强对银行的风险控制能力，加强对公授信业务风险的管理和应用，从而推动商业银行的发展。因此，授信业务的风险控制的好坏，对商业银行的发展起着决定性的作用。 本文以招商银行济南泉城路支行的G企业授信业务风险管理研究为例，招商银行济南泉城路支行成立于2006年，在很多方面发展并不完善，具有很大的代表性。通过对招商银行济南泉城路支行对G企业对公授信的信贷风险现状以及存在的问题，并且分析了G企业授信业务存在问题的原因。针对这些问题，提出了对公授信业务信贷风险的建议。并提出相关的措施降低信贷风险。希望本文的研究能为完善我国商业银行对公授信的风险管理，从而为商业银行的对公信贷风险提供指导和借鉴。
[Abstract]:With the development of economic globalization, the financial market of our country is also undergoing profound changes, and the profits of traditional enterprise loans are constantly compressed. Therefore, with the gradual development and improvement of commercial banks, the business of public credit is also gradually rising in the banks. At present, the main revenue channels of banks are asset business and intermediate business, and credit grants include most intermediate business, which can promote the development of bank intermediary business and settlement business. Public credit business plays a very important role in commercial banks in our country, through credit settlement business, can increase the amount of bank settlement, increase the handling fee and capital strength, on the other hand, can improve the bank income. Credit as an important means of business expansion, can even be said to be the backbone of the bank business. At the same time, credit business is also one of the high-risk businesses. Compared with improper accounting behavior and personal operation business, although the risk rate of public credit business is relatively low, the loss rate of operational risk is much larger than that of the first two behaviors. If the operational risk and credit risk are duplicated, the loss will be much larger than the loss of credit assets, which has a great risk, and will also cause a great negative impact on the bank and cause huge losses to the bank. If the bank can't control the risk of the credit business well, the bad loan of the company will increase greatly, resulting in the loss of the bank. With the development of economy, the financial market fluctuates greatly and the risks are uncertain. In the face of such a fierce environment, it is necessary to train the risk management ability of commercial banks and adjust the credit structure of commercial banks. By strengthening the risk control ability of banks and strengthening the management and application of the risks of public credit business, the development of commercial banks can be promoted. Therefore, the risk control of credit business plays a decisive role in the development of commercial banks. This paper takes the risk management research of G enterprise credit business of Jinan Quancheng Road Branch of China Merchants Bank as an example. The branch of Jinan Quancheng Road of China Merchants Bank was established in 2006. Through the credit risk status and existing problems of Jinan Quancheng Road Branch of China Merchants Bank to G enterprises, this paper analyzes the causes of the problems in G enterprises. In view of these problems, some suggestions on credit risk of public credit business are put forward. And put forward relevant measures to reduce credit risk. It is hoped that the research in this paper can provide guidance and reference for the improvement of the risk management of the commercial banks to the public credit in our country and for the commercial banks to provide the guidance and reference to the public credit risk.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
本文编号：2176316
[Abstract]:With the development of economic globalization, the financial market of our country is also undergoing profound changes, and the profits of traditional enterprise loans are constantly compressed. Therefore, with the gradual development and improvement of commercial banks, the business of public credit is also gradually rising in the banks. At present, the main revenue channels of banks are asset business and intermediate business, and credit grants include most intermediate business, which can promote the development of bank intermediary business and settlement business. Public credit business plays a very important role in commercial banks in our country, through credit settlement business, can increase the amount of bank settlement, increase the handling fee and capital strength, on the other hand, can improve the bank income. Credit as an important means of business expansion, can even be said to be the backbone of the bank business. At the same time, credit business is also one of the high-risk businesses. Compared with improper accounting behavior and personal operation business, although the risk rate of public credit business is relatively low, the loss rate of operational risk is much larger than that of the first two behaviors. If the operational risk and credit risk are duplicated, the loss will be much larger than the loss of credit assets, which has a great risk, and will also cause a great negative impact on the bank and cause huge losses to the bank. If the bank can't control the risk of the credit business well, the bad loan of the company will increase greatly, resulting in the loss of the bank. With the development of economy, the financial market fluctuates greatly and the risks are uncertain. In the face of such a fierce environment, it is necessary to train the risk management ability of commercial banks and adjust the credit structure of commercial banks. By strengthening the risk control ability of banks and strengthening the management and application of the risks of public credit business, the development of commercial banks can be promoted. Therefore, the risk control of credit business plays a decisive role in the development of commercial banks. This paper takes the risk management research of G enterprise credit business of Jinan Quancheng Road Branch of China Merchants Bank as an example. The branch of Jinan Quancheng Road of China Merchants Bank was established in 2006. Through the credit risk status and existing problems of Jinan Quancheng Road Branch of China Merchants Bank to G enterprises, this paper analyzes the causes of the problems in G enterprises. In view of these problems, some suggestions on credit risk of public credit business are put forward. And put forward relevant measures to reduce credit risk. It is hoped that the research in this paper can provide guidance and reference for the improvement of the risk management of the commercial banks to the public credit in our country and for the commercial banks to provide the guidance and reference to the public credit risk.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
【参考文献】
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本文编号：2176316
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