研究生签名： 时间： 年 月 日
导师签名： 时间： 年 月 日I
摘要
随着经济的快速增长和投资需求的增大，我国金融机构的信贷规模日益增长，银行间的竞争
加剧，为了在激烈的竞争中占据一定的市场，我国大型商业银行近年来不断扩大信贷规模。截止
2016 年第三季度，我国大型商业银行人民币贷款余额为 848440 亿元，不良贷款率为 1.76%，而
2015 第三季度人民币贷款余额为 745657 亿元，不良贷款率为 1.59%，增幅为 0.17%。但是我国商
业银行的利润却在下降。面对银行信贷规模的增长和利润增速的下降，以及信贷风险问题的加
重，银行贷后管理研究就成了我国金融机构提升银行信贷资产质量的重要关卡，银行的信贷风险
管理能力的提升成了维护我国金融环境稳定的重要环节。新疆作为我国重要农业大省和一带一路
核心建设区域，金融业迎来了新的发展机遇，也带来了银行之间的激烈竞争。虽然新疆邮政储蓄
银行在多年间的竞争中己经占据一席之地，但是也由于在发展过程中“重业务量、轻业务监
管”，而造成了大量的不良资产。新疆邮政储蓄银行更加应该提高贷后业务风险的管理意识，只
有把控好、管理好贷后业务风险才能使自身有更长远的发展。贷后管理对于新疆邮政储蓄银行信
贷管理工作具有举足轻重的作用。贷后管理是银行信贷风险管理流程的最后一个环节，长期以来
没有得到足够的重视，但却是银行防范和控制信贷业务风险的关键环节，可以提高银行整体系统
的运营管理能力和竞争水平，具有十分重要的研究意义

邮政储蓄银行作为我国银行业的重要的一个组成部分，对我国银行业各个方面的发展具有十
分重要的作用。本文以新疆邮政储蓄银行作为研究对象，基于新疆邮政储蓄银行目前的贷后管理
现状，分析邮储银行贷后风险管理存在的问题，研究发现：（1）新疆邮政储蓄银行逾期不良贷款
率和全国相比要低，个人商务贷款逾期不良贷款较少，但是小企业法人的逾期贷款不良率要相对
较高。（2）在最近几年的发展中，新疆邮政储蓄银行的不良贷款率呈现逐年上升的趋势，主要是
因为新疆邮政储蓄银行贷后管理缺乏先进、科学的贷后管理理念，贷后相关制度建设较为落后；
贷后相关人员素质有待提高；贷后管理专业人员不足而造成的（3）新疆邮政储蓄银行内部由于结
构不合理、内控制度不健全、员工的风险意识比较薄弱以及贷后检查不规范，再加上外部市场、
政府及环境的影响，造成新疆邮政储蓄银行贷后管理存在着“重贷轻管”，重抵押品、轻第一还
款来源的问题

根据上述结论，新疆邮政储蓄银行应从加强公司内部控制制度建设、注重信贷风险管理文化
建设、加强信贷管理建设、加强信贷人员队伍建设以及建立科学的贷后管理分析系统五个方面来
完善现有贷后管理制度，以便更好的控制信贷风险，促进公司的可持续发展

关键词：新疆；邮政储蓄银行；贷后管理；资产质量II
Abstract
With the rapid growth of economy and the increase of investment demand, the scale of credit in
China&39;s financial institutions is increasing and the competition among banks is increasing. In order to
occupy a certain market in the fierce competition, China&39;s large commercial banks have expanded their
credit scale in recent years. As of the third quarter of 2016, the balance of RMB loans of large commercial
banks in China was 848.44 billion yuan, the non-performing loan ratio was 1.76%, while the balance of
RMB loans in the third quarter of 2005 was 745657 billion yuan and the non-performing loan ratio was
1.59% %. But the profits of China&39;s commercial banks are declining. In the face of the growth of the credit
scale of the postal savings bank and the decline of the profit growth rate and the increase of the credit risk,
the bank loan management research has become an important barrier to the quality of the bank&39;s credit
assets, To enhance the maintenance of China&39;s financial environment as an important part of stability.
Xinjiang as China&39;s major agricultural province and the area along the core construction area, the financial
industry ushered in a new development opportunities, but also brought the fierce competition between
banks. Although the Xinjiang Postal Savings Bank has had a certain position in the economic competition
for many years, it has also caused a lot of bad assets due to heavy traffic and light business supervision
in the development process. Xinjiang Post and Savings Bank should raise the management awareness of
post-loan business risk. Only by controlling and managing the business risk of loan business can we make
more development. Post-loan management plays an important role in the credit management of Xinjiang
Post Savings Bank. After the loan management is the last step of the bank credit risk management process,
it has not paid enough attention for a long time, but it is the key link of the bank to prevent and control the
credit business risk, which can improve the operation and management ability and competition level of the
bank&39;s overall system, Has a very important research significance.
Postal Savings Bank as an important part of China&39;s banking industry, China&39;s banking sector in all
aspects of the development of a very important role. Based on the current situation of post-loan
management of Xinjiang Post and Savings Bank, this paper analyzes the existing problems of post-loan
risk management of savings banks. The study finds that: (1) Xinjiang Post Savings Bank overdue non-
performing loan ratio and national Than the low, personal business loans overdue non-performing loans
less, but small business corporations overdue loans to a relatively high rate of bad. (2) In recent years, the
development rate of non-performing loans of Xinjiang Postal Savings Bank has been increasing year by
year because mainly because of the lack of advanced and scientific post-loan management concept and
post-loan related system construction (3) Xinjiang Postal Savings Bank internal structure due to
unreasonable, internal control system is not perfect, the staff&39;s risk awareness is relatively weak and the
post-loan check is not standardized (3) Xinjiang postal savings bank internal structure due to unreasonable,
internal control system is not perfect, , Coupled with the external market, the government and the impact
of the environment, resulting in postal savings bank loan management in Xinjiang there are heavy credit,
heavy collateral, light the first source of repayment problems.
According to the above conclusions, Xinjiang Postal Savings Bank should improve the internal
control system, pay attention to the credit risk management culture construction, strengthen the credit
management construction, strengthen the credit staff team construction and establish a scientific post-loan
management analysis system five aspects to improve the existing loan After the management system, in
order to better control the credit risk, promote the company&39;s sustainable development.
Key words: Xinjiang; Postal Savings Bank; Post-loan management; Asset qualityIII
目 录
摘要....I
Abstract .......... II
第一章 绪论...1
1.1 研究背景和意义.......1
1.1.1 研究背景........1
1.1.2 研究意义........2
1.2 研究综述.......2
1.2.1 国外相关研究综述 ....2
1.2.2 国内相关研究综述 ....3
1.2.3 相关研究评述4
1.3 理论基础.......5
1.3.1 信贷风险管理风险 ..........
。。。以上简介无排版格式，详细内容请下载查看