【作者】 陈娜；

【导师】 马超群；

【作者基本信息】 湖南大学 ， 高级管理人员工商管理硕士（EMBA）（专业学位）， 2015， 硕士

【摘要】 随着我国市场经济的不断发展,信贷规模和金融市场也得到迅速壮大,与此同时我国商业银行的信贷风险问题也随之涌现。受主客观因素的影响,我国商业银行在经营过程中面临着诸方面的风险问题,其中企业信贷风险是最主要的风险之一。如何在当前复杂的金融环境中谋发展,如何进一步采取有效措施评估、防范和控制好企业信贷风险,已成为华融湘江银行当前迫切需要解决的主要问题。本文分析了华融湘江银行企业信贷风险管理的现状,指出目前华融湘江银行企业信贷风险管理过程中存在的问题。并运用商业银行企业信贷风险管理的主要方法,同时汲取国内外商业银行在企业信贷风险管理的先进经验,提出适合华融湘江银行自身发展的企业信贷风险管理改进策略。其中,信贷风险管理组织结构改进主要通过建立自上而下的风控体制,对业务部门和风控部门企业信贷业务进行内控把关,建立评审委员会,由董事会风险管理委员会对企业信贷风险进行最后把关,并定期向外部评审委员会提交评审报告全面控制风险;其次,信贷风险管理制度层面的优化主要包括信贷审批所涉及到的各项制度的完善,以业务制度、风控制度和评审委员会制度为主,将制度贯穿于企业信贷整个流程中,确保信贷业务的程序化和规范化。最后,企业信用评级制度的完善和客户档案的建立是信贷风险防范的核心,通过定性和定量打分结合评定企业信用等级作为贷款定价和信贷额度评定的主要标准。华融湘江银行企业信贷风险改进过程中可能存在障碍。因此,要根据可能出现的各种障碍制定实施保障措施,如加大信贷政策研究,健全人力资源管理体系,完善信息技术系统,加大信贷风险文化建设等确保信贷风险改进顺利进行。更多还原

【Abstract】 With the continuous development of China’s market economy, the size of credit and financial markets have been growing rapidly, while the credit risks of commercial banks, along with emerging. Affected by a variety of subjective and objective factors, China’s commercial banks will be faced with the risk management process in various aspects of the problem, including corpo rate credit risk is one of the main risks. How and development in today’s complex financial environment, how to take further effective measures to assess, prevent and control the corporate credit risk has become a major problem Huarong Xiangjiang Bank urge ntly need to address.This paper analyzes the status quo Huarong Xiangjiang Bank corporate credit risk management, Huarong Xiangjiang Bank noted that the current corporate credit risk management problems. The main method of commercial banks and the use of corporate credit risk management, as well as learn from the advanced experience of domestic and foreign commercial banks in corporate credit risk management, propose suitable Huarong Xiangjiang Bank’s own development of enterprise credit risk management improvement strategies. Among them, improved credit risk management organizational structure, mainly through the establishment of a top-down risk control system, for business enterprise credit risk control departments conduct internal checks, while establishing the assessment committee system, by the Board Risk Management Committee for final corporate credit risk checks, and submit regular reports to the External Review Accreditation Commission comprehensive risk control; secondly, to optimize the level of credit risk management system include improved credit approval relates to the various systems to business systems, air control system for the degree and Jury Lord, the system throughout the entire process of corporate credit, make sure that credit operations and standardized procedures. Finally, to improve and build customer profiles corporate credit rating system is the core of the credit risk prevention through a combination of qualitative and quantitative assessment of corporate credit rating scoring as th e main criteria for loan pricing and credit line assessment.There may be obstacles to corporate credit risk Huarong Xiangjiang Bank to improve the process. Therefore, to develop the implementation of safeguards in accordance with the obstacles that may ar ise, such as the increase of credit policy research, improve human resource management system, improve information technology systems, increase credit risk culture building improvements to ensure the smooth progress of the credit risk.更多还原