【作者】 刘磊；

【导师】 于维洋； 郭頳；

【作者基本信息】 燕山大学 ， 工商管理， 2014， 硕士

【摘要】 集团客户是中国银行唐山分行的主要客户资源，其贷款额度已占据该行贷款总额的半壁江山以上。加强对集团客户授信的管理，防范授信风险，已经成为中行唐山分行当前内控管理中最重要的内容。本文在对集团客户授信风险相关理论研究的基础上，结合中行唐山分行对集团客户授信风险管理的工作实际，对集团客户授信管理的模式、操作流程和评价方法分别进行了阐述，提出了改进措施，构建了集团客户授信风险评价指标层次体系，并在中行唐山分行对开滦集团客户的授信项目评价中进行了实际应用。首先，本文对集团客户的范畴、特征进行了阐述，之后对集团客户授信风险的概念进行了界定，然后对集团客户授信风险管理情况进行了探讨。其次，对中行唐山分行集团客户授信风险管理的现状进行了具体分析，指出了该行在对集团客户授信风险管理的工作中存在的不足之处。再次，针对中行唐山分行集团客户授信风险管理中存在的问题，提出了改进集团客户授信风险评价方法，借助层次分析法构建了集团客户授信风险综合评价的指标体系，并对该指标体系的具体评价方法进行了明确的阐述。最后，采用案例分析法，运用集团客户授信风险综合评价指标体系，对中行唐山分行的开滦集团授信项目的风险情况进行了综合评价，根据综合评价的结果进行了实际贷款决策应用。更多还原

【Abstract】 The customer group is the main customers of the Bank of China Tangshan branch.the total loan amount of the customer groups’ has occupied more than half of the bankloans. Strengthening the management of granting credit to customer groups and guardingagainst credit risk have become the most important content in the management for theBank of China Tangshan branch. In this paper, based on the related theories of the groupcustomer credit risk, combined with the actual situation of Tangshan branch of the bankrisk management, three aspects of management mode, operation process, evaluationmethod for group customers are described. Constructs the group customer credit riskevaluation index hierarchical system. Finally the paper puts the group customer credit riskevaluation index system of the Bank of China Tangshan branch into practical application.First of all, the paper investigates the group customer category, characteristics indetail, then defines the concept of credit risk of group customers in this paper, and thenconducted the system research to the group customer credit risk management.Secondly, the paper summarizes the actual group customer credit risk management ofthe Bank of China Tangshan branch and analyzed the deficiency and its causes whichexisted in the concrete work of risk management.Once again, the paper puts forward to strengthen measures to improve riskmanagement. The measures is that based on the analytic hierarchy process, the paperconstruct the index system of credit risk evaluation means, and defines and explains thegroup customer credit risk evaluation index system of the evaluation methods.Finally, from the point of view of quantitative analysis, using the group customercredit risk evaluation index system, the paper evaluates the K group of the Tangshanbranch of the bank credit projects, and according to the comprehensive evaluation result,the paper makes decision of the actual loan application.更多还原