Summary
With the continuous progress of interest rate liberalization, the continuous opening of the
financial market, and the strong regulatory policies of regulators, the operation and management
of banks have brought greater challenges and pressures. Baoshang Bank in 2019 was finally taken
over by the Central Bank due to insufficient liquidity management, which reflects the problems of
incomplete risk management system and mechanism construction and incomplete implementation
of some joint-stock commercial banks in China. Since its establishment, H Bank has laid a certain
foundation for its development through years of reform and exploration, making H Bank occupy a
place among other banks. But the most recent year H bank zunyi region of secondary branch loan
quality is relatively poor, non-performing loans and focus on loans double rose abruptly, mainly is
the pursuit of a few years ago a series of high yield high returns of government and real estate
business, the risks of the debt needs continuous attention, resulting in loan quality is not high,
fully illustrates the Zunyi Branch of H Bank of credit risk management development is inadequate,
Credit risk management still has much room for development.
The author of this paper has been engaged in credit work in Zunyi Branch of H Bank for
many years, and has felt the weakness and insufficiency of the development of corporate credit
business in recent years. This paper takes THE Zunyi Branch of H Bank as the research object.
Through the investigation data and model demonstration, it finds that there are many loopholes in
its credit risk management, which leads to the reduction of the quality of credit assets and the
sudden increase of the non-performing loan rate, which seriously affects the healthy operation and
development of Zunyi Branch of H Bank. Firstly, this paper expounds the related concepts of
credit risk management and applies risk management theories such as theoretical economic basis
theory, internal control theory, information asymmetry theory and asset portfolio theory. Secondly,
it analyzes the status quo of credit business and risk management operation of H Bank Zunyi
Branch, and finds out the problems of credit risk management by weight analysis of each risk
factor by using analytic hierarchy process and fuzzy comprehensive evaluation method. Finally,
according to the risk management problems analyzed, a series of risk management optimization
suggestions are put forward to improve the risk management problems in the credit business of
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Zunyi Branch of H Bank, hoping to provide certain help and positive influence to the future credit
business and long-term healthy development of Zunyi Branch of H Bank.
Key words: Credit operations, credit risk management, risk assessment, Optimization of
risk
management;
Classification number:C93
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目录
摘要.............................................................................................................................I
Summary........................................................................................................................II
第一章绪论..................................................................................................................1
1.1研究背景和研究意义.......................................................................................1
1.1.1研究背景.................................................................................................1
1.1.2研究意义.................................................................................................1
1.2研究文献综述...................................................................................................2
1.2.1国外研究综述.........................................................................................2
1.2.2国内研究综述.........................................................................................3
1.3研究内容、思路与方法...................................................................................5
1.3.1研究内容.................................................................................................5
1.3.2研究思路.................................................................................................6
1.3.3研究方法.................................................................................................7
第二章商业银行信贷风险相关理论概述....................................................................9
2.1信贷风险管理含义...........................................................................................9
2.2信贷风险管理内容...........................................................................................9
2.3信贷风险评估的含义.....................................................................................10
2.4信贷风险管理相关理论.................................................................................11
2.4.1经济基础决定论...................................................................................11
2.4.2内部控制理论......................................................................................11
2.4.3信息不对称理论..................................................................................12
2.4.4资产组合管理理论..............................................................................12
第三章 H银行遵义分行信贷风险管理现状与评估................................................13
3.1 H银行遵义分行信贷业务发展情况.............................................................13
3.1.1 H银行遵义分行基本情况...................................................................13
3.1.2 H银行遵义分行企业信贷业务现状...................................................13
3.2 H银行遵义分行信贷风险管理情况.............................................................16
3.2.1 H银行遵义分行信贷风险管理体系分析........................................16
3.2.2 H银行遵义分行信贷风险管理流程现状分析...................................19
IV
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