【作者】 田天；

【导师】 赵息；

【作者基本信息】 天津大学 ， 工商管理（专业学位）， 2016， 硕士

【摘要】 商业银行是经营风险的金融机构,有效管理和控制信贷风险是商业银行的核心竞争力。随着金融体制改革的不断推进,利率市场化加速,银行间的竞争加剧,银行面临的风险也呈现出复杂多变的特征,对风险进行识别、计量、监测并采取科学的控制手段和方法,是商业银行保持稳健经营,实现“安全性、流动性、效益性”经营的根本所在。信贷风险作为商业银行面临的最主要风险,信贷风险管理自然也就成为了商业银行风险管理体系中的核心内容。商业银行通过主动的信贷风险管理可以有效平衡风险、收益和资本管理目标。本文就商业银行的信贷风险管理体系进行了重点介绍,并对商业银行所面临的信贷风险和风险防控措施进行了详尽的分析。基础设施建设作为国家社会发展的基石、经济发展的助推器,在各行信贷余额占比最大,集中度也最高。因此,本文通过分析和解读商业银行投放于基础设施行业的信贷资产产生风险特征,分析基础设施行业容易产生的信贷风险,基于信贷资产投放的全流程管理,列出每个阶段商业银行实际采取的风险控制手段,进而构建操作性强的基础设施行业信贷风险防控体系和风险排查方法。最后,通过TJCT集团的案例进行对基础设施行业信贷风险体系进行应用与实践,测试该体系应用的可操作性,通过对体系逐条比对基础设施行业客户的信贷风险要素,可以最快时间找到风险点及其应对措施,进而达到商业银行信贷风险管理的要求,操作性较好。更多还原

【Abstract】 Commercial banks are the financial institution which gain the operational income from the business risk.How to identify,measure,monitor,warning and control the credit risk is the critical step for the commercial banks to obtain advantage in the strong business competition.Therefore,the level of credit risk management is considered as the core competitiveness of the commercial banks.As the financial system reform pulls forward constantly,interest rate liberalization is accelerated and the competitions among the banks intensify,the risks which the banks are facing also show the complicated characteristics.The identification,measurement,surveillance and scientific control methods of the risks are the fundamental for commercial banks to sustain prudent operation and realize “security,mobility and benefit”.Credit risks are the most important risk faced by the commercial banks and credit risk management naturally becomes the core content in the system of the risk management of the commercial banks.According to the active credit risk management,commercial banks are able to balance effectively the risk,benefit and capital management.In the thesis,the credit risk management system of the commercial banks is emphatically introduced and the risks faced by the banks and risk prevention and control measures are described in detail.Infrastructure construction,as the cornerstone of the national social development and booster of economic development,accounts for largest percentage in the credit,its concentration ratio is also the highest.Therefore,in the thesis,the risk that the commercial banks put the credit funds in the infrastructure industry is analyzed and interpreted.According to the industrial risk points,by means of credit whole process management,the focused risk factors are presented when the commercial banks sorts out the customers of infrastructure industry in each step of loaning process,then operational credit risk management system and risk investigation methods are proposed.Finally,through the credit risk system implementation in the TJCT group,the system’s maneuverability is tested.By the comparison of credit risk factors of the infrastructure clients,the countermeasures to the risk points are found out with thefastest time,and then the requirements of credit risk management of the commercial banks are achieved.更多还原