C银行扬州分行对JTY建筑公司信贷风险管理的研究

【作者】 黄梅；

【导师】 刘宇伟； 丁悦；

【作者基本信息】 扬州大学 ， 工商管理硕士（MBA）（专业学位）， 2018， 硕士

【摘要】 目前我国商业银行仍以存贷款利差作为主要的盈利来源,因此信贷业务仍然是商业银行的支柱业务,而与之如影随形的信贷风险管理不仅是商业银行管理的重要内容,还是商业银行所面临的首要战略问题。但是,与国际上发达国家的银行相比,我国商业银行由于发展时间不长,尚处于幼年期,信贷风险管理理念尚不够完善,管理水平也不高,所以,加强我国商业银行的信贷风险管理,已迫在眉睫。近年来建筑行业产值利润率徘徊在3.5%左右,属于微利行业。包括扬州在内的许多城市的建筑行业并不景气,出现产能过剩、通胀、产出低效、为政府投建的项目垫资过大等诸多问题,加上建筑产业的下游产业房地产的走势也令人费解,前景莫测,因此,多数建筑企业,包括大型建筑企业,前期的工程垫款无法按期收回,面临资金链断裂风险。如果资金链断裂,也将无法正常归还银行贷款,从而将风险转嫁给了银行,造成银行的信贷风险。我国商业银行起步较晚,现阶段关于银行机构信贷风险管理方面的研究仍处于起步阶段,而针对建筑企业风险管理的微观研究专著则更少。本文将针对上述问题,以文献研究法与案例分析法相结合的方法,以信贷风险管理理论为基础,着眼于国内某大型银行对某规模型建筑企业的信贷活动,结合商业银行信贷风险管理体系,立足巴塞尔新协议对银行内部管理的理论框架,分析银行信贷管理存在的缺限,并为该银行在建筑企业信贷风险管理中存在的问题提出改进建议,其研究意义在于,一是能够促进建筑企业自身稳健发展,从而对我国经济产生贡献;二是能够提高我国银行机构信贷风险的管理水平,有效规避资产风险。本文的研究方法将以规范研究为主,在查阅国内外最新的文献资料基础上采用定性分析和定量分析相结合、理论研究和案例分析相交融的方法,充分运用了经济学、管理学、金融学、统计学等方面的知识和方法,对商业银行某行业经济实体信贷风险的测度和防范的方法、措施进行分析和研究。更多还原

【Abstract】 At present,the main source of profit for Chinese commercial banks is still from the spread of deposit and loan business.Therefore,the credit business is still the pillar business of commercial banks,and the credit risk management that goes hand in hand with them is not only an important content of commercial bank management,but also the primary strategic issues faced by the commercial banks.However,compared with the banks in developed countries,China’s commercial banks are still in their infancy due to the short period of development.The concept of credit risk management is not perfect and management level is not high.So strengthening credit risk management of commercial banks is imminent.In recent years,the profit rate of the construction industry has hovered around 3.5%,which is a meager profit industry.The construction industry in many cities including Yangzhou is sluggish,with many problems such as overcapacity,inflation,inefficient production,over-investment in government-funded projects,and the trend of real estate which is the downstream of the construction industry is inexplicable and unpredictable.As a result,most construction enterprises,including large-scale construction enterprises,are not able to recover the project advances on schedule and are facing risk of capital chain fracture.If the capital chain breaks down,it will not pay back the loan of banks normally,thus shifting the risk to banks,causing the banks’ credit risk.China was late to the commercial banks relatively.At this stage,the research on the credit risk management of banks is still in its infancy,and there are even fewer micro monographs on the risks management of construction enterprises.Under the credit risk management theory and the theoretical framework of the bank’ s internal management of Basel New Accord,this article will address the above issues,use a combination of literature research and case analysis methods,and focus on the credit activity of a large-scale domestic bank for a certain type of a construction enterprise.Combining with commercial bank credit risk management system,the article analyses the limitations of banks’ credit management,and proposes suggestions for the bank’s existing problems in the construction company’s credit risk management.The significance of the research lies in that,first,it can promote the steady development of the construction enterprise itself,thus contributing to China’s economy.Second,it can improve the management level of the credit risk of China’s banking institutions and avoid asset risk effectively.Research method of this article will give priority to normative research.Based on the latest literature at home and abroad,qualitative analysis and quantitative analysis will be used in combination with theoretical research and case analysis.And also the article will fully utilize the knowledge and methods of economics,management,finance,statistics,etc and carry out a study on measuring and preventing credit risk of certain commercial entities in a commercial bank.更多还原