【作者】 刘磊；

【导师】 张悦玫；

【作者基本信息】 大连理工大学 ， 工商管理（专业学位）， 2021， 硕士

【摘要】 商业银行的经营情况影响着宏观金融以及社会经济的发展。授信业务作为商业银行的核心业务,其风险控制水平与商业银行能否平稳运行息息相关。授信业务风险产生于授信业务的贷前调查、审查审批、授信后管理中每一个流程的各个节点。在各大商业银行的激烈竞争中,研究G银行沈阳分行的授信业务风险管理,对保障其平稳发展以及竞争地位有着至关重要的意义。本文以G银行沈阳分行的授信业务案例作为研究对象,以相关的G银行沈阳分行的事后调查和定责资料,详细完整复盘和再现了G银行沈阳分行日常授信业务的整个流程以分析与发现授信业务管理中存在的风险问题,并进行具体对策研究,从而实现完善和提升G银行沈阳分行授信业务风险管理的目标。本文首先简述了G银行沈阳分行授信业务风险管理的研究背景及研究意义,介绍了案例研究设计情况、相关概念与文献综述;然后,在介绍G银行沈阳分行基本情况的基础上,详细描述了G银行沈阳分行授信业务案例;进而,基于授信业务风险概念及信息不对称理论和全面风险管理理论,对G银行沈阳分行授信业务风险管理存在的问题进行分析,具体表现为风险控制作用未能有效发挥、信贷信息没能准确核实与分析、大型客户光环降低了审核标准、授信判断得出缺乏谨慎,并找到这些问题的成因,即:风险控制部门分散、信贷信息收集与分析能力不足、大型集团客户尽职调查不够深入、授信人员风险控制能力欠缺;最后,在当前授信政策下,提出针对性的、切实可行的方案建议包括:优化授信业务的组织架构、提高信贷信息收集与分析能力、加强大型集团客户的内部关联分析、增强员工风险控制能力。本文的研究能够一定程度上帮助G银行沈阳分行提升授信业务风险的控制水平,并能够对其他银行的授信业务风险管理提供借鉴和参考。更多还原

【Abstract】 The operation of commercial banks affects the development of macro finance and social economy.As the core business of commercial banks,the risk control level of credit granting business is closely related to the smooth operation of commercial banks.Risk of credit extension business is generated in each node of each process in the process of pre-loan investigation,examination and approval and post-credit management of credit extension business.In the fierce competition among major commercial banks,it is of vital significance to study the risk management of credit business of G Bank Shenyang Branch to ensure its steady development and competitive position.Based on G bank Shenyang branch of B company’s credit defaults of the business object,as a case to the relevant G bank Shenyang branch of investigation and the proportional amount data,detailed complete checking and recreates the G bank Shenyang branch daily credit business in the whole process is helpful to analysis and found problems in the risk of credit business management,and carry on countermeasure research,so as to realize perfect and upgrade the G bank Shenyang branch credit business risk management objectives.Firstly,this paper briefly introduces the research background and significance of the risk management of credit extension business of G Bank Shenyang Branch,and introduces the case study design,relevant concepts and literature review.Then,on the basis of introducing the basic situation,credit granting and evaluation system of G Bank Shenyang Branch,the paper describes the credit granting business case of G Bank Shenyang Branch in detail.And then,based on the concept of credit business risk and the information asymmetry theory and comprehensive risk management theory,the G bank Shenyang branch credit business risk management analysis of existing problems,the specific performance for risk control function failed to play,no credit information accurately verify and analysis,large customer aura reduces the audit standards,human factors affect the credit judgment,The causes are decentralized risk control departments,insufficient ability to collect and analyze credit information,insufficient due diligence of large group customers,and insufficient risk control ability of credit granting personnel.Finally,under the current credit policy,this paper puts forward targeted and feasible proposals,including optimizing the organizational structure of credit business,improving the ability to collect and analyze credit information,strengthening the internal correlation analysis of large group customers,and enhancing the risk control ability of employees.The research of this paper can help G Bank Shenyang Branch to improve the risk control level of credit business to a certain extent,and can provide reference and reference for the risk management of credit business of other banks.更多还原