【作者】 赵亮；

【导师】 孔维伟；

【作者基本信息】 河北大学 ， 会计（专业学位）， 2017， 硕士

【摘要】 建行C市分行在2012年贷款风险管理制度改革中,要求提高贷款风险与管理的监督与预防职能,建立“垂直为主,分级为辅”的贷款风险管理方法,强化贷款风险管理的统一管理模式;在贷款风险管理中,引入计算机辅助系统,开展贷款风险的全面管理,提高贷款风险管理的工作效率以及管理效果,及时发现贷款风险管理中的问题并提出风险防范措施。建行C市分行作为HB省建行的市级机构,在HB省建行的贷款风险管理规划下,开展新的贷款风险管理创新并取得了一定的成效,但是在具体管理中,仍旧存在风险管理体系不健全,风险管理难以全面反映建行C市分行信贷风险的实际情况等问题。因此建行C市分行在贷款风险管理中,应该进一步完善风险管理制度、方法以及保障措施,促进银行风险管理战略目标的实现。这样的背景下,本文对于建行C市分行信贷风险管理现状、问题进行研究,并提出解决措施,指导建行C市分行信贷风险管理体系的完善发展。本文重点研究建行C市分行信贷风险管理存在的问题以及导致问题的原因,并以建行C市分行面向中小企业的信贷风险管理为案例,明确信贷风风险管理的实际运行情况,根据其信贷风管管理以及具体案例分析,提出建行C市分行信贷风险管理的工作流程以及技术方法,以提高其信贷风险管理的管理质量和管理效率,完善建行C市分行的信贷风险控制能力,提高银行综合竞争力。本文主要包括以下几个部门的内容,第一章,绪论,对选题的背景、意义进行介绍,对论文研究思想、方法提出有关意见;第二章,理论综述以及概念,主要阐述相关概念的界定和信贷风险管理的理论基础;第三章是建行C市分行信贷风险管理现状分析,简要介绍建行C市分行概况和现代风险现状,以中型房地产企业贷款中的信贷风险审计为案例,分析信贷风险管理具体操作流程与存在的问题。第四章是建行C市分行信贷风险管理存在问题及原因分析,查找问题产生原因;第五章是完善建行C市分行信贷风险管理实施的对策建议,包括信贷风险管理实施步骤和程序、管理成果转化利用原则和实施的技术手段;第六章是结论和展望。更多还原

【Abstract】 China Construction Bank C branch Construction Bank in 2012 reform loan risk management system,improve the requirements of supervision and prevention of loan risk and management function,establish "vertical management of credit risk classification method,supplemented by",strengthen the unified management of loan risk management;in credit risk management,the introduction of computer aided system,carry out comprehensive management of loan risk the increase in loan risk management work efficiency and management,timely detection of loan risk management problems and puts forward some measures to prevent risks.China Construction Bank C branch Construction Bank as a municipal agency HB bank,loan risk management planning in HB province of the bank,to carry out new loans The risk management innovation and has achieved certain results,but still exist in the actual management,the risk management system is not the risk management problem of formaldehyde,it is difficult to fully reflect the actual situation of the credit risk of China Construction Bank C branch Construction Bank and so on.So the China Construction Bank C branch Construction Bank in the loan risk management,should further improve the risk management system,methods and safeguard measures,promote the implementation of the strategic goal of bank risk management.Under this background,the status quo of credit risk management of China Construction Bank C branch Construction Bank,to research the problems and puts forward some measures to resolve the credit risk management system to guide the development of China Construction Bank C branch Construction Bank.This paper focuses on the existence of China Construction Bank C branch Construction Bank credit risk management problems and the cause of the problem,the credit risk management and the China Construction Bank C branch Construction Bank for small and medium enterprises as a case,the actual operation of clear credit risk risk management,according to the analysis of management and the specific case of its credit duct,put forward the credit risk management of China Construction Bank C branch Construction Bank work process and methods to improve the credit risk management quality and management efficiency,improve the China Construction Bank C branch Construction Bank credit risk control ability,improve the comprehensive competitiveness of banks.This paper mainly includes the following several departments of the content,the first chapter,introduction,introduces the background of the research topic And the significance,proposes the research ideas and methods;the second chapter is the summary of concept and theory,mainly introduces the basic theories and the definition of credit risk management;the third chapter is the analysis of the present situation of credit risk management in CCB branch,this paper introduced briefly the China Construction Bank C branch Construction Bank and the modern credit risk status,risk audit of SME loans in the case analysis of the credit risk management of specific operation process and the existing problems.The fourth chapter is China Construction Bank C branch Construction Bank credit risk management problems and analysis,find the cause of the problems;the fifth chapter is the suggestions to improve the implementation of China Construction Bank C branch Construction Bank credit risk management,including credit The steps and procedures of risk management,the principle of transformation and utilization of management achievements and the technical means of implementation;the sixth chapter is the conclusion and Outlook更多还原