广发银行沈阳分行信贷风险管理研究

发布时间：2018-08-15 17:07

【摘要】：随着全球经济一体化的进程,我国银行业国际化进程也在不断加快,在这样的大背景下,我国银行业面临着巨大的挑战和机遇。信贷风险是商业银行所面临的主要风险之一,就潜在损失的程度而言,信贷风险是商业银行的首要风险,商业银行信贷风险管理水平低下是信贷风险产生的主要原因,因此,如何提高信贷风险管理水平是我国银行业面临的重大课题。本文以广发银行沈阳分行为研究对象,首先介绍了广发银行沈阳的业务概况,接着在前人的研究基础上对信贷业务风险管理理论总结和分析。在理论分析的基础之上,本文对通过对比的方法对广发银行沈阳分行的风险管理现状进行了分析,通过广发银行与东亚银行、广发银行与浦发银行的对比分析,找出广发银行在风险管理方面存在的问题和差距,并分析了导致风险管理问题产生的原因。最后,本文从信贷分类风险管理对策、风险流程改造、建立信贷风险评估体系和建立全方位的风险管理体系四个方面展开了研究,以达到切实防范信贷资产风险,改善广发银行沈阳分行信贷经营现状的目的。本文在研究过程中,主要运用了管理学、金融学、统计学等学科中的知识原理,采用了理论研究与实证分析并重的方式,在问题的研究上采取定性与定量分析相结合的方法。本文共分为六章：第一章绪论部分介绍了课题研究意义、文献综述、研究内容和论文结构；第二章介绍了广发银行沈阳分行的业务概况；第三章综合介绍了信贷业务风险管理理论；第四章对广发银行沈阳分行信贷风险管理现状进行了对比分析,找出了存在的问题和原因；第五章提出了改进广发银行沈阳分行信贷风险管理的措施；第六章是结束语部分。希望通过本文的研究,理论联系实际,对广发银行沈阳分行今后的信贷风险管理理念和对策选择提供一些借鉴和帮助,以完善其信贷风险管理体系,提高信贷资产质量,实现各项业务持续、健康、稳定的发展,同时也希望能给其它商业银行的信贷风险管理提供一定的借鉴作用。
[Abstract]:With the process of global economic integration, China's banking industry is also accelerating the process of internationalization, in such a background, China's banking industry is facing enormous challenges and opportunities. Credit risk is one of the main risks faced by commercial banks. In terms of the degree of potential loss, credit risk is the primary risk of commercial banks, and the low level of credit risk management of commercial banks is the main cause of credit risk. How to improve the level of credit risk management is a major issue facing our banking industry. This paper takes the Shenyang Branch of Guangfa Bank as the research object, firstly introduces the general situation of the business of Guangfa Bank in Shenyang, and then summarizes and analyzes the theory of credit business risk management on the basis of previous research. On the basis of theoretical analysis, this paper analyzes the risk management status of Guangfa Bank Shenyang Branch by means of comparative analysis, and through the comparative analysis between Guangfa Bank and Bank of East Asia, Guangfa Bank and Pudong Development Bank. To find out the problems and gaps in risk management, and analyze the causes of risk management problems. Finally, this paper has carried out the research from four aspects of the credit classification risk management countermeasure, the risk process transformation, the establishment credit risk appraisal system and the establishment omni-directional risk management system, in order to effectively prevent the credit assets risk, The purpose of improving the credit management status of Guangfa Bank Shenyang Branch. In the course of the research, this paper mainly uses the knowledge principle of management, finance, statistics and so on, adopts the way of both theoretical research and empirical analysis, and adopts the method of combining qualitative and quantitative analysis in the study of problems. This paper is divided into six chapters: the first chapter introduces the research significance, literature review, research content and paper structure, the second chapter introduces the business situation of Guangfa Bank Shenyang Branch. The third chapter introduces the theory of credit risk management, the fourth chapter compares and analyzes the present situation of credit risk management in Shenyang Branch of Guangfa Bank, and finds out the existing problems and reasons. Chapter five puts forward the measures to improve the credit risk management of Guangzhou Bank Shenyang Branch, and the sixth chapter is the conclusion. Through the research of this paper, the author hopes to provide some reference and help to improve the credit risk management system and improve the quality of credit assets for the future credit risk management idea and countermeasure choice of Shenyang Branch of Guangfa Bank, in order to improve the credit risk management system and improve the quality of credit assets. To realize the continuous, healthy and stable development of the business, and also hope to provide some reference for the credit risk management of other commercial banks.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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