重庆大学硕士学位论文
我国商业银行信贷风险管理流程研究
硕士研究生：陈 磊
指导教师：
学科专业： 工商管理
重庆大学经济与工商管理学院
二OO七年四月
Master Dissertation of Chongqing University
A Study On Flow Management Of Credit Risks In Commercial Bank
Master Degree Candidate:
Supervisor:
Major: Business Administration
College of Economy and Business Administration
Chongqing University
Apr. 2007
摘 要
金融是现代经济的核心，商业银行又是金融的核心。商业银行信贷风险是各种经济风险的集中体现。在现代市场经济中，经济运行高度货币化、信用化和金融化。作为金融中介的银行，以货币和信用为媒介，和经济社会中各个经济主体发生着广泛的信贷联系，所以商业银行信贷风险成为整个经济风险的中枢。目前我国商业银行的信贷风险管理水平偏低，管理手段较为落后，不良贷款率偏高，严重影响了我国商业银行的竞争能力。对此，提高我国商业银行信贷风险管理水平和管理手段显得十分必要。
本文首先介绍商业银行信贷风险的定义、分类、特征和度量，通过从商业银行内外部环境分析揭示信贷风险形成的原因，指出我国信贷风险具有复杂性和独特性。然后根据商业银行信贷业务发生的三个流程：贷前调查、贷时审查和贷后管理；提出商业银行信贷风险流程管理。在贷前调查中，通过对信贷客户信用评估，确定信贷客户的信用等级，建立信贷客户准入机制。在贷时审查中，通过合理设置，将业务拓展部门、贷款审查部门和风险控制部门，各司其职，相互制约，达到审贷分离和权责对应；同时审查贷款用途是否合理，还款来源是否有保障。在贷后管理中，通过五级分类，实时动态监管贷款情况，及时识别、防范、控制风险。通过对三个信贷流程进行从始到终的风险控制，建立商业银行信贷风险流程化管理；最终达到预防、规避、转移、化解商业银行信贷风险，从而减少不良贷
款引起的损失，增强商业银行的核心竞争能力。
最后通过实际案例分析，将信贷风险流程管理运用于工作实践。通过实践，检验了研究方法的可操作性与信贷风险管理效果。
关键词：商业银行，信贷风险，流程管理
ABSTRACT
Finance is the core of modern economy and commercial bank is the core of finance at the same time. Credit risk of commercial bank is a central reflection of all kinds of economical risks. In modern market economy, the operation of the economy has been highly monetized, depending more and more on credit and finance. Serving as a financial agency, commercial bank involves widespread credit relationships with various economical entities in society through the media of money and credit. The credit risk of commercial bank, therefore, has become the crux of the whole credit economy. At present,
the level of credit risk management of our commercial banks is relatively low; traditional credit risk management lacks sense of initiative and systematic planning; the ratio of bad debts tends to be higher than normal; all of these result in low quality of the credit property of our commercial banks and greatly decrease the profit of the banks. So it is very necessary for us to increase our ability to manage the credit risk of commercial banks.
The first part of the thesis introduces the definitions, classifications, characteristics and measurements of credit risk, analyzing the formation of credit risk from both internal and external aspects so as to find the solutions to credit risk.
The second part of the thesis proposes the credit risk flow management according to the loaning procures: loan investigation, loan examination, and management after loan. In the course of investigation, we will discuss how to obtain the credit class of the customers and establish the admission mechanism of credit customers by estimating their credit level. In the course of loan examination, we will see how to make department of business
development, department of loan examination and risk management department do their own jobs and check against each other in order to separate estimation and deliverance, matching rights and responsibilities; at the same time, the reasonability of the usage of loan and the readiness of payment of the loan should also by examined. In the course of management after loan, we will discuss how to manage the status of the loan dynamically and how to recognize, prevent, and control risks through five levels of loan classifications. Through managing credit risk on three credits course from the beginning to the end, the credit risk flow management is established to achieve the aim of preventing, dodging, shifting, and melting the credit risk of commercial banks, thus reducing the losses caused by bad debts and enhancing core competitive ability of the commercial banks.
Finally, through actual case studies, we will see how to apply the credit risk flow management to practice. Through practice, we can examine the applicability of research techniques the effects of credit risk management.
Key words：commercial bank，credit risk，flow management
重庆银行贷款版权声明：本站内容均来自互联网，仅供演示用，请勿用于商业和其他非法用途。如果侵犯了您的权益请与我们联系QQ:729038198，我们将在24小时内删除。
发表评论