华夏银行沈阳分行新希望陶瓷流动贷款项目风险控制研究

发布时间：2018-01-08 03:17

本文关键词：华夏银行沈阳分行新希望陶瓷流动贷款项目风险控制研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：对于当前中国的国民经济来说,中小型企业已成为我国经济主体的重要组成部分。中小型企业业务的发展充满了旺盛力,在国民经济当中占有较大比重。对于很多中小企业来说,银行信贷已经成为了它们最重要的外源融资方式。流动资金贷款是商业银行的主营业务之一,但是存在着不容忽视的风险。流动资金贷款项目管理的成败直接关系到商业银行的业务发展能力;流动资金贷款的风险管控直接影响商业银行的可持续发展,所以,防范和规避流动资金贷款项目的风险,做好流动资金贷款项目风险的防范与规避是各家银行工作的重中之重。流动资金贷款分为中长期流动资金贷款和短期流动资金贷款。作为维持银行生存与拓展的立身之本,流动资金贷款的风险把控是银行运营过程中至关重要的业务环节。它可以有效的预防和应对贷款过程中的风险问题。流动资金贷款的风险防控管理的研究是保障银行自身财产安全的重要信贷风险管理与研究,同时,也能够通过有效的风险防控手段,更加透彻地了解企业需求,为企业提供更加恰当的融资业务。华夏银行以助力中小企业贷款为特色,发展优质客户,华夏银行的流动资金贷款主要为中小企业日常购买原材料等提供短期贷款。华夏银行沈阳分行成立于1999年10月,作为中国人民银行批准的东北地区融资代理行,它也为东北地区金融同业提供了融资代理业务。华夏银行沈阳分行始终致力于为客户提供金融产品的个性化服务,截至2016年末,银行总资产已过400亿大关,一般性存款余额超过300亿,贷款余额超过200亿,为东北老工业基地的振兴,作出了巨大贡献。本文以华夏银行沈阳分行新希望陶瓷流动贷款项目为研究对象,探索该项目的风险控制,本文共分为四个部分。第一章绪论,阐述了选题的背景及选题意义,针对国、内外相关研究文献进行了综述,同时指出了本文的究方法。第二章华夏银行新希望陶瓷流动资金贷款项目的概述。借鉴中西方金融领域在风险管理方面的理论、方法和技术,结合新希望陶瓷流动贷款项目的风险管理实际运用,提出该贷款项目可能存在的项目风险。第三章华夏银行新希望陶瓷流动资金贷款项目的风险识别及风险评价。首先阐释了新希望陶瓷贷款方式的风险评价以及流动资金贷款项目风险的识别分类;其次,详细阐述了新希望陶瓷流动资金贷款项目风险评价与分析,为论文的研究奠定了理论基础。第四章,华夏银行新希望陶瓷流动资金贷款项目风险的控制方法及措施。首先简单直观地描述了华夏银行新希望陶瓷流动资金贷款项目风险控制的方法,包括贷前、贷后两部分,最后着重设计了该贷款项目风险控制的具体实施方法。
[Abstract]:For the current national economy of China, small and medium-sized enterprises have become an important part of the main body of our economy. The development of small and medium-sized enterprises business is full of vigorous power. For many small and medium-sized enterprises, bank credit has become their most important external financing method. Liquidity loan is one of the main business of commercial banks. However, there are risks that can not be ignored. The success or failure of the project management of liquid capital loan is directly related to the business development ability of commercial banks; The risk control of liquidity loan has a direct impact on the sustainable development of commercial banks. Therefore, to prevent and avoid the risk of liquidity loan project. It is the most important task for each bank to prevent and avoid the risk of working capital loan project. Liquidity loan is divided into medium and long term working capital loan and short term liquid fund loan. As to maintain the bank's survival and development, the working capital loan is divided into two categories: medium and long term liquidity loan and short term working capital loan. The foundation of standing. The risk control of liquid capital loan is an important business link in the course of bank operation. It can effectively prevent and deal with the risk problem in the loan process. The study of risk prevention and control management of liquid capital loan is the guarantee. The important credit risk management and research of bank's own property security. At the same time, through effective means of risk prevention and control, a more thorough understanding of the needs of enterprises to provide more appropriate financing business. The liquidity loan of Huaxia Bank mainly provides short-term loans for the daily purchase of raw materials by small and medium-sized enterprises. The Shenyang Branch of Huaxia Bank was established in October 1999. As a financing agency in Northeast China approved by the people's Bank of China. It also provides the financing agent business for the northeast area financial interbank. The Shenyang branch of Huaxia Bank is always committed to providing the individualized service of the financial product for the customer, as of end of 2016. The total assets of banks have passed the 40 billion mark, the balance of general deposits exceeds 30 billion, and the balance of loans exceeds 20 billion, which is the revitalization of the old industrial base in Northeast China. This paper takes the project of New Hope Ceramic flow loan of Shenyang Branch of Huaxia Bank as the research object and explores the risk control of the project. This paper is divided into four parts. Chapter one is introduction. This paper expounds the background and significance of the selected topic, and summarizes the relevant research literature in China and abroad. At the same time, it points out the research method of this paper. The second chapter is an overview of the new hope ceramic liquidity loan project of Huaxia Bank. It draws lessons from the theory, method and technology of risk management in the financial field of China and the West. Combined with the new hope ceramic mobile loan project risk management practical application. In chapter 3, the risk identification and risk evaluation of the new hope ceramic loan project of Huaxia bank are put forward. Firstly, the risk evaluation and flow of the new hope ceramic loan mode are explained. Identifying and classifying the risk of moving fund loan project; Secondly, the paper elaborates the risk evaluation and analysis of the new hope ceramic liquidity loan project, which lays a theoretical foundation for the research. 4th chapter. The risk control methods and measures of the new hope ceramic circulating fund loan project in Huaxia Bank. Firstly, the paper describes the risk control method of the new hope ceramic circulating fund loan project, including the pre-loan method in Huaxia Bank. Finally, the implementation method of risk control of the loan project is designed.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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