专业学位硕士学位论文

专业学位硕士学位论文

HIS商业银行大连分行信贷风险防范对策研究

Research on Prevention and Countermeasures for Credit Risk

Management of MS Commercial Banks of Dalian Branch

作者姓名:

学科、专业:

学号:

指导教师:

完成日期:

MBA

30911208

李延喜

2013年2月

大连理工大学

Dalian University of Technology

摘

任石

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商业银行风险管理体系中的信用风险管理是工作中的首要任务，风险管理引起各国苛业银行高度重视。各国商业银行探讨的重要课题逐渐聚焦于信用风险的监管、银行收益水平的提高等方面。据统计，我国2012年上半年银行业利润依旧保持高速增长，达

到6616亿元，但值得注意的是银行业金融机构的不良贷款余额也连续三个季度上升。

其中大型银行的不良贷款余额增加26亿元，股份制商业银行的不良贷款余额增加49亿元。因此，商业银行的信贷风险管理问题突显，哑待解决。

本文以MS商业银行大连分行信贷风险中存在的问题为例，在结合理论研究与实践

伏况的基础上，提出了防范商业银行信贷风险的管理对策建议。MS商业银行是中国银

厅业改革的试验田，MS银行中包涵多种经济成份，拥有规范的现代企业制度，秉承锐

意进取、积极创新的精神，不断拓展业务规模，利润逐年递增。目前，MS商业银行大

庄分行的业务发展迅速，但在信贷业务发展过程上，存在一定的不足，导致大连分行的业务发展、信贷资产质量都受其制约，银行的收益率无法保证。

本文通过对信贷相关理论的总结和运用，形成有针对性的认识。首先对信贷风险的函义、类型、特征以及内在机制进行了剖析，之后对MS银行大连分行的信贷业务现状

进行了概述，在对大连分行信贷风险管理情况进行数据分析的基础上，最后提出了具体狗改进建议与对策，以促进MS银行此项业务持续健康的发展。

关键词:商业银行;信贷风险管理;信贷政策

Abstract

Credit risk management has always been a priority in commercial bank's risk management, ;he financial crisis had caused the global financial environment turmoil and the deteriorate potential credit risk of bank. It is a important topic for the various countries' commercial banks

:o control credit risk effectively and boost the level of banks' profits, etc.The profits of banks

,which reached 661.6 billion yuan still maintained rapid growth in the first half of 2012 according to Shanghai securities news. However, it is worthy of being played more attention

:hat the non-performing loan of banking financial institutions had also risen for three consecutive quarters. The non-performing loan of big Banks increased of 2.6 billion yuan, 4.9 pillion yuan of joint-stock commercial Banks'. Therefore, problems of commercial bank credit risk management need to be addressed quickly.

This essay which takes the example of problems in MS Commercial Bank of Dalian branch credit risk management with the basis of theory and practice proposes several advises about weakening and avoiding the Commercial Bank credit risk management. As a pilot bank

in China's banking reform, MS commercial bank of Dalian branch associates with the various economic sectors. It has a modern enterprising system, with the positive enterprising and innovation, which constantly expends business and scale. There is a tendency that the rapid uprising benefits will go up more quickly. The development of MS Bank of Dalian branch demonstrates the reform and innovation of China banks. But there is insufficiencies in the development of credit business, which affected the Dalian branch credit asset quality，restricted the further development of the business and reduce the Banks' earnings.

It forms a targeted cognition through the summary and application of credit theory. Firstly, it explains the meaning, types and characteristics of credit risk. Secondly, it analyzes the internal mechanism after summary of MS Banks of Dalian branch credit business situation on the basis of empirical analysis in Dalian branch credit risk management situation. Finally, it proposes the concrete improvement Suggestions and countermeasures, so as to promote MS bank sustained and healthy development.

Key Words:Commercial Bank; Credit Risk Management; Credit Policy

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目录

摘要............................................................................................................................. I Abstract .............................................................................................................................II

1绪论 (1)

1.1研究背景..........................................................................................。 (1)

1.2研究意义 (2)

1.3文献综述 (3)

1.3.1国外研究现状.......................................，.. (3)

1.3.2国内研究现状 (4)

1.4研究方法与思路 (4)

1.4.1研究方法 (4)

1.4.2研究思路................................................， (5)

2商业银行信贷风险管理理论基础 (7)

2.1商业银行信贷风险概念和种类 (7)

2.1.1商业银行信贷风险 (7)

2.1.2商业银行信贷风险的类型 (7)

2.2商业银行信贷风险的特点二。 (8)

2.3信贷风险形成的内在机制 (9)

2.3.1信启、不对称 (9)