【作者】 陈晓；

【导师】 罗新华；

【作者基本信息】 山东大学 ， 工商管理（专业学位）， 2013， 硕士

【副题名】以河北建行固贷项目为例

【摘要】 银行是经营风险的企业,风险管理是银行业务发展中的重要环节,体现了银行平衡风险和收益的水平,通过对固定资产贷款项目评估的解析和风险因素分析,对风险管理的方向做有效的引导。随着世界一体化、金融国际化的的不断推进,金融领域尤其是银行竞争不断加剧,外部经济环境日益复杂多变,银行经营条件发生巨大变化,尽管近年来银行风险管理水平不断提升,但在每年7%-8%的GDP增长幅度下,快速的固定资产投资仍然让银行的项目评估工作呈现疲态,如何做好项目评估中的风险管理便成为当下的主要问题。建设银行做为我国大型国有商业银行项目评估的先行者,起步早且成效显著,目前无论是评估方法还是应用范围均较国内其他商业银行有一定优势,但由于风险管理理念未完全转变,执行力不够以及技术条件不完备等原因,风险管理指标作为一项约束性指标仍未有效分解到基层机构,本文通过从对项目评估的内容和流程着手,对建设银行项目评估的风险管理进行分析,并以河北建行的固贷项目实例进行分析,找出问题和提出解决问题的思路,积极探索优化风险管理手段,提高风险管理效率,力图为建设银行风险管理提供些有价值的参考和帮助,在中国建设银行有效的风险管理下推进项目评估工作。更多还原

【Abstract】 The bank is the enterprise which focuses on business risk, risk management is an important part of the development of the banking, reflecting the level of bank balance of risks and benefits, through analytical and risk factor analysis for fixed asset loans to the project evaluation process, effective risk management direction guidance. With the integration of the world, international financial integration of the continuous progress of the financial sector, especially banking competition intensifies, the external economic environment is increasingly complex and changing the banks operating conditions changed dramatically, although in recent years the level of banks’ risk management is rising, but in GDP growth rate of7%to8%annually, the rapid investment in fixed assets still allow the Bank project evaluation work presents a weakness, and how well the project evaluation, risk management has become the main problem of the moment. Construction Bank, the forerunner of the project assessment as China’s large state-owned commercial bank, an early start and achieved remarkable results in the current assessment method application range than those of other domestic commercial banks have certain advantages, but not completely changed the concept of risk management, the execution is not enough incomplete and technical conditions and other reasons, risk management indicators as a binding targets yet effective decomposition to the grass-roots institutions, this article by the proceed from the content and process of project evaluation, assessment of the construction Bank project risk management analysis and CCB instance of a client analysis, identify gaps and propose solutions to those problems, and actively explore the optimization of the risk management process, improve the efficiency of risk management, in a bid to provide some valuable reference and help to build the bank’s risk management in China construction Bank effective risk management to promote the project assessment.更多还原