【作者】 周斌；

【导师】 张婧；

【作者基本信息】 华中科技大学 ， 工商管理， 2016， 硕士

【摘要】 近些年来,我国粗放式的经济发展和全社会固定资产投资以超过两位数的高速增长,催生了大量的高耗能、多污染、技术含量低和安全保障能力差的落后产能,严重制约我国经济的向前发展,故淘汰落后产能是一项迫在眉睫的重要任务。落后产能行业的发展受国家产业政策和经济波动的影响比较大,因而利润被相应挤压,从而使得这类行业的还款能力和还款意愿严重影响着银行信贷风险。同时银行自身也存在着信贷风险管理方法落后、银行工作人员操作不当等因素,不同程度地影响产能过剩行业信贷风险。本文从淘汰落后产能的视角研究现阶段及未来可能对我国主流商业银行信贷风险产生的影响。首先介绍产能过剩和银行信贷风险的相关理论知识,落后产能的判断标准等。其次对淘汰落后产能对银行授信风险进行实践分析,主要分析了兴业银行、中信银行、民生银行的授信政策调整,判断落后产能对商业银行的信贷风险。再次介绍银行支持产业转型升级、淘汰落后产能过程中,银行防范相关授信风险的难点,主要包括信息的沟通机制不畅、行业指标专业性、产业政策与信贷原则等。最后对防范银行信贷风险提出相关政策建议。本文系统地分析了国内外学者对信贷风险的研究和我国包含落后产能的行业的发展情况后,对我国淘汰落后产能对银行信贷风险进行剖析,商业银行前期积累了大量的产能过剩行业信贷资产,已形成大量潜在不良资产风险,所以研究落后产能对商业银行信贷风险的影响以及提出相关措施具有重要现实意义。更多还原

【Abstract】 In recent years, China’s extensive economic development and social fixed asset investment more than double-digit growth, spawned a large number of high energy consumption, more pollution, low-tech and security poor and backward production capacity, severely restricted China’s economy forward, it is important to eliminate backward production capacity is an urgent task. Development of backward production capacity of the industry affected by the national industrial policy and economic fluctuations is relatively large, and thus the corresponding profits are squeezed, making these industries repayment ability and willingness to repay a serious impact on credit risks. At the same time the bank itself there are also behind credit risk management, the bank staff improper operation and other factors, to varying degrees, affect industries with excess capacity credit risk.From the perspective of the elimination of backward production capacity of present and possible future research on China’s major commercial banks credit risk impact. First introduced overcapacity and theoretical knowledge related to credit risk, backward production capacity and other criteria. Secondly, the elimination of backward production capacity of bank credit risk practice analysis, the main analysis of the credit policy adjustment Industrial Bank, CITIC Bank, Minsheng Bank, the judgment of backward production capacity of commercial bank credit risk. Reintroduce Bank support industrial transformation and upgrading, eliminate backward production capacity during the relevant banks to prevent credit risks of difficulties, including poor communication mechanisms of information, professional and industry indicators, industrial policy and credit principles. Finally, policy recommendations to prevent credit risks. After the paper systematically analyzes the development of domestic and foreign scholars credit risk research and our country contains backward production capacity of the industry to our country to eliminate backward production capacity of bank credit risk analysis, commercial banks early accumulation of a large number of industries with excess capacity credit assets, has formed a large number of potential risk of bad assets, the study of backward production can impact on the credit risk of commercial banks and to propose measures has important practical significance.更多还原