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MBA毕业论文_交通银行哈尔滨分行信贷风险管理研究(63页).rar

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更新时间:2018/8/14(发布于广东)

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文本描述
摘 要
随着经济的不断发展,金融做为现代经济的核心作用越来越明显。商业银行在金融
体系当中居于主导地位,是国家经济状况的晴雨表。商业银行风险管理水平的高低直接
影响经济的稳定。由于信贷业务是我国国有商业银行的主要资产业务,同时也是商业银
行利润的重要来源,因此信贷业务是我国金融风险的主要汇集点,具体表现为信贷风险。

只有合理、有效控制信贷风险,促进金融体系安全、稳健运行,才能实现我国社会主义
市场经济健康、可持续发展。

本文在阐述商业银行信贷风险成因的基础上,具体分析了我国商业银行信贷风险管
理的现状及对策,由一般到个别的分析了交通银行哈尔滨分行信贷风险管理现状、存在
的问题及成因。通过采集相关数据建立适合交通银行哈尔滨分行的信贷风险管理模型,
最后提出改善交通银行哈尔滨分行信贷管理的具体对策。

论文分为 5 章,第 1 章绪论部分介绍了本文的研究背景、方向和内容。第 2 章全面
介绍了风险、信贷风险的内涵及信贷风险管理的内容,并对我国商业银行信贷风险管理
的现状和问题进行了阐述。在第 2 章的基础上,第 3 章首先详细介绍了交通银行哈尔滨
分行信贷风险管理现状、存在的问题,其次具体分析了交通银行哈尔滨分行信贷风险管
理自有的成因。第 4 章首先对国外商业银行信贷风险管理常用评价模型进行了介绍,并
对交通银行哈尔滨分行信贷风险管理现有评价方法进行了详细论述,指出其存在的缺陷
和不足,然后引进国际先进银行普遍使用的 RAROC 模型对该行信贷风险管理进行了评
价,证明其科学性和合理性。第 5 章总结性的提出了改善交通银行哈尔滨分行信贷风险
管理的具体对策。

关键词:交通银行哈尔滨分行;信贷风险;风险管理。

Abstract
As the economy continues to develop, The finance has become increasingly apparent as
the core of modern economy The commercial bank is occupied in the finance system to the
dominant position, is the state economy condition barometer, Commercial bank’s risk
management affects the level of economic stability directly. As China's state-owned
commercial banks base on the traditional credit, so China's financial risk is credit risk which
was concentrated in the credit business .To Control credit risk, promote safe and sound
operation of China's banking sector, to prevent the financial crisis, are of great significance
for China's social market economy to achieve sustainable development.
This paper describes the credit risk of commercial banks on the basis of the causes of
China's commercial bank credit analysis of the status and risk management strategies. This
paper analyzes credit risk management status and causes problems of Bank of
Communications Harbin Branch from general to specific By collecting relevant data to
establish the credit risk management models of Bank Of Communications Harbin Branch.
and bring forward the specific countermeasures to improve the credit risk management.
This paper is divided into five chapters,.in chapter one, I illustrate the research
background, the direction and content. In the second chapter, I describe the risk, credit risk
and credit risk management, and China's commercial banks credit risk management status and
problems are also described. In the third chapter, based on the second chapter details I
introduce the credit risk management status, problems of Bank Of Communications Harbin
Branch in detail.And then I commentate its own credit risk management causes. In chapter
four, firstly, I introduce foreign commercial bank credit risk management evaluation model
and discuss the Bank Of Communications Harbin Branch’s credit risk management of
existing evaluation methods in detail, pointing out its shortcomings and deficiencies.
By introducing of advanced international banking RAROC model,which has been
commonly used,to evaluate credit risk management of Bank Of Communications Harbin
Branch.I conclude that the RAROC model’s is scientific and rational. In chapter five I put
forward the specific countermeasures to improve the credit risk management in sumarry.
Key Words: Bank Of Communications Harbin Branch;Credit Risk;Risk Management.