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MBA硕士论文_ZGGS银行JN分行公司信贷风险评价研究DOC

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文本描述
摘要
I
摘要
中国金融业的全面开放,加剧了中国商业银行间的竞争,提高了主要依靠存贷款
利息差收入的银行公司信贷业务的风险。尤其近几年经济大环境的不景气,各类产业
衰退式的发展,导致包括 ZGGS 银行在内的很多银行“有钱不敢贷”,“贷出收不回”

如何在有效防范风险的前提下寻找资金的出路,使资金在参与社会价值创造的过
程中产生有效增值并发挥财富效应,直接关系到商业银行的核心竞争力。并且从另一
方面来讲,商业银行公司信贷资产质量的好坏、风险的高低,不仅直接决定着其自身
的盈利水平,更关系到整个国民经济的平稳运行和国家的金融安全

ZGGS 银行 JN 分行公司信贷业务近年来亦是几经变革,但环节增减、人员交替、
系统升级等措施均未能完全抵御不良资产、贷款裂变以惊涛骇浪之势暴发,发展几度
陷入僵局。本文试图以该银行公司信贷风险评价模型为切入点,通过分析现有风险评
价体系的漏洞与弊端,重新梳理筛选定性与定量指标并核定科学的权重,在此基础上
建立一套更为系统完善的风险评价模型。同时,在获经许可并保证数据信息真实的前
提下,以一家典型企业--AMKJ(中国)生物医药有限公司--为例,校验本模型的可操
作性,经过一系列财务数据等信息分析得出该企业的评价结果,并提出相应的管理策
略。本文篇末亦基于该风险评价模型提出了相应的信贷管理建议,以期为该银行有效
防范信贷风险提出切实可行的参考,以助其进一步提升信贷风险管理水平,促使其信
贷业务健康可持续发展

关键词:公司信贷;风险评价;风险管理;模型山东理工大学硕士学位论文 ABSTRACT
II
ABSTRACT
The full opening of China&39;s financial industry has intensified the competition among
commercial banks in China, and raised the risk of credit business of banks which mainly
depends on the interest margin of deposits and loans. Especially in recent years, the
economic environment downturn, all kinds of industrial recession type development,
resulting in many banks, including ZGGS , “ too afraid to loan” or “ lend unrecalled”.
How to find a way out of funds under the premise of effective risk prevention, make
money value in the process of social value creation and play the wealth effect, directly
related to the core competitiveness of commercial banks. And on the other hand, the
quality of the credit assets of commercial banks, the level of risk, not only directly
determines its own level of profitability, but also related to the smooth operation of the
national economy and the country&39;s financial security.
The corporate credit business of JN branch of ZGGS has also been several changes
in recent years,but the flow of credit, increase or decrease, the transfer of personnel
rotation, system upgrades and other measures are not completely against the bad assets,the
development comes to a deadlock for several times.This article attempts to take the bank
credit risk evaluation model as the breakthrough point, through the analysis of the existing
risk assessment system of loopholes and drawbacks, to sort out the qualitative and
quantitative indicators and approve more scientific weight, and then establish a more
systematic and perfect risk assessment model on this basis.At the same time, under the
premise of obtaining permission and ensuring the authenticity of the data information,
taking a typical enterprise--AMKJ (China) bio Pharmaceutical Co., Ltd.,--as an example,to
verify the operability of the model, after a series of financial data and other information
analysis of the evaluation results of the enterprise, and puts forward the corresponding
management strategy.At the end of this paper, the author puts forward some suggestions on
credit management based on the risk assessment model,in order to effectively prevent the
bank credit risk to put forward the feasible reference, to help further enhance the level of
credit risk management, promote the healthy and sustainable development of credit
business.
Key words: Corporate Credit; Risk Evaluation; Risk Management; Model山东理工大学硕士学位论文 目录
III
目 录
摘要.........I
ABSTRACT.. II
目 录......III
第一章 引 言........1
1.1 研究目的和意义......1
1.1.1 研究目的.........1
1.1.2 研究意义.........2
1.2 国内外相关文献研究..........3
1.2.1 国外对信贷风险评价的研究.3
1.2.2 国内对信贷风险评价的研究.4
1.3 研究内容与方法......6
1.3.1 研究内容.........6
1.3.2 研究方法.........6
第二章 ZGGS 银行 JN 分行公司信贷风险评价与管理现状分析..........8
2.1 现行风险评价模型概述......8
2.2 评价模型定性指标概述......8
2.2.1 企业基本情况.8
2.2.2 企业经营情况.9
2.2.3 外部环境情况.9
2.3 评价模型定量指标概述....
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