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MBA毕业论文_S银行D分行并购贷款业务风险管理改进研究PDF

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随着现代商业体系逐步健全,海内外市场加速融合,商业并购活动和并购融资需求 快速增加,各类并购模式层出不穷,催生了各式各样的并购金融服务业务和机构。我国 并购规模和数量跃居全球第一,然而并购贷款影响因素和利益主体过多,风险水平和复 杂程度远高于普通贷款业务,而商业银行风险防控体系仍不能满足该类创新业务的发展 需要,整体风险防控水平亟待提升。因此,深入研究并购贷款风险管理问题,逐步推动 风险管理体系建设,对于并购贷款业务的稳健发展至关重要。 基于上述背景,本文基于风险管理理念,梳理了国内外并购贷款业务发展历程和风 险特点,剖析了ZS银行D分行近年来并购贷款风险管理业务现状,发现了目前银行在 并购贷款业务操作流程、制度体系、组织架构、人才支撑和风险监测技术等方面存在的 诸多问题,并分析了影响并购贷款风险控制和收益回报的关键因素,据此构建了符合 ZS银行D分行发展战略和并购贷款业务发展需要的风险管理体系,提出了要重视并购 贷款业务风险管理人员培训、加强风险监测技术创新应用、优化并购贷款业务流程体系、 完善并购贷款业务风险管理制度、加强并购贷款组织构架建设等措施,以推动ZS银行 D分行风险管理能力的全面提升。 本文聚焦ZS银行D分行并购贷款业务风险管理问题,制定了针对性较强的风险管 理策略,有利于推动ZS银行D分行并购贷款业务的顺利开展。 关键词:并购贷款业务;风险管理;商业银行 ZS银行D分行并购贷款业务风险管理改进研究 II ResearchonRiskManagementImprovementofMergerand AcquisitionLoanBusinessinDBranchofZSBank Abstract Withthegradualimprovementofthemodernbusinesssystem,theaccelerated integrationofdomesticandforeignmarkets,therapidgrowthofcommercialM&Aactivities andM&Afinancingdemand,variousM&Amodelsemergeinendlessly,givingbirthtoa varietyofM&afinancialservicesbusinessesandinstitutions.ThescaleandquantityofM& AinChinaranksfirstintheworld.However,therearetoomanyinfluencingfactorsand interestsubjectsofM&aloan,andtherisklevelandcomplexityarefarhigherthanthatof ordinaryloanbusiness.However,theriskpreventionandcontrolsystemofcommercialbanks stillcannotmeetthedevelopmentneedsofsuchinnovativebusiness,sotheoverallrisk preventionandcontrollevelneedstobeimproved.Therefore,itisveryimportantforthe steadydevelopmentofM&aloanbusinesstostudytheriskmanagementofM&aloanand graduallypromotetheconstructionofriskmanagementsystem. Basedontheabovebackground,basedontheconceptofriskmanagement,thisthesis reviewsthedevelopmentprocessandriskcharacteristicsofM&aloanbusinessathomeand abroad,analyzesthecurrentsituationofM&aloanriskmanagementbusinessinrecentyears, andfindsmanyproblemsexistingintheoperationprocess,organizationalstructure,talent supportandriskmonitoringtechnologyofM&aloanbusinessatpresentBasedonthe analysisofthekeyfactorsaffectingtheriskcontrolandreturnofM&aloan,arisk managementsystemisestablishedtomeetthedevelopmentstrategyandtheneedsofthe developmentofM&aloanbusiness.Itisproposedthatattentionshouldbepaidtothe trainingofM&Aloanbusinessriskmanagementpersonnel,theapplicationofrisk monitoringtechnologyinnovation,theoptimizationofM&aloanbusinessprocesssystem andtheimprovementofM&aloanbusinessriskInordertopromotetheoverall improvementofriskmanagementcapacity,weshouldtakemeasuressuchasmanagement system,strengtheningtheconstructionofM&aloanorganizationstructureandsoon. ThisthesisfocusesontheriskmanagementofZSbankDbranch'sM&aloanbusiness, anddevelopsatargetedriskmanagementstrategy,whichisconducivetopromotingthe smoothdevelopmentofZSbankDbranch'sM&aloanbusiness. Keywords:MergerandAcquisitionLoanBusiness;RiskManagement;CommercialBank 大连理工大学专业学位硕士学位论文 III 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 1.2.1理论意义.................................................................................................2 1.2.2现实意义.................................................................................................2 1.3国内外研究现状................................................................................................3 1.3.1国外研究现状.........................................................................................3 1.3.2国内研究现状.........................................................................................4 1.3.3研究述评.................................................................................................6 1.4研究内容............................................................................................................7 1.5研究方法............................................................................................................8 2并购贷款业务风险管理的理论基础........................................................................10 2.1并购贷款业务风险概述..................................................................................10 2.1.1并购贷款业务的涵义...........................................................................10 2.1.2并购贷款业务风险的识别...................................................................10 2.1.3并购贷款业务风险的控制...................................................................12 2.1.4并购贷款业务风险的监测...................................................................13 2.1.5并购贷款业务风险的报告...................................................................13 2.2相关理论基础..................................................................................................14 2.2.1全面风险管理理论...............................................................................14 2.2.2流程再造理论.......................................................................................15 3ZS银行D分行并购贷款业务的风险管理现状......................................................16 3.1ZS银行D分行简介.......................................................................................16 3.1.1发展历程...............................................................................................16 3.1.2经营概况...............................................................................................16 3.2并购贷款业务概况..........................................................................................17 3.2.1业务类型...............................................................................................17 3.2.2业务开展情况.......................................................................................18 3.3并购贷款业务风险管理现状..........................................................................20 ZS银行D分行并购贷款业务风险管理改进研究 IV 3.3.1相关规章制度.......................................................................................20 3.3.2组织机构设置.......................................................................................20 3.3.3并购贷款业务流程...............................................................................21 3.3.4风险监管技术.......................................................................................22 3.3.5人员管理...............................................................................................23 4ZS银行D分行并购贷款业务风险管理存在的问题及其原因分析......................24 4.1并购贷款业务风险管理存在的问题..............................................................24 4.1.1风险管理制度不完善...........................................................................24 4.1.2风险管理组织机构设置不合理...........................................................24 4.1.3操作流程管控水平较低.......................................................................25 4.1.4风险监管技术落后...............................................................................26 4.1.5并购贷款业务风险管理人才