N城商行信贷风险管理优化研究

【作者】 张蕾；

【导师】 刘利平； 黄华贞；

【作者基本信息】 南京师范大学 ， 工商管理（专业学位）， 2023， 硕士

【摘要】 自改革开放至今,城市商业银行为推动区域经济增长发挥了重要作用,成为了金融行业的关键一环。特别是在疫情期间,城市商业银行进一步扩大了信贷服务的范围,以协助各中小型企业度过难关。然而,随着信贷服务多样化的发展,城市商业银行所面临的风险也在不断增加。信贷风险不仅是商业银行运营管理的核心问题,对于整个国家的经济发展而言,它也是一个巨大的挑战。中央经济工作会议明确指出了信贷风险的重要性,要求增强风险意识并且优化风险管理策略。但与此同时,政府仍然呼吁商业银行向中小企业提供更多的资金与多样的金融支援,这意味着商业银行在扩张信贷规模的过程中必须警惕信贷风险,控制或者降低不良贷款的比例。N城商行是地方上杰出的城市商业银行,但它的业务发展中也仍然存在着风险控制不足的情况。因此,我们需要采取有效的手段来改善这个状况。本文首先是对N城商行的信贷风险管理现状进行研究,采用实地访谈和问卷调查的方式获取第一手信息,然后依据这些数据反映的问题提出具体的优化方案,这对提升N城商行的信贷风险管理水平和减小经营风险有着一定的实践价值。本篇文章分析对比了国内外与此议题相关的理论与研究,通过对参考资料的深度剖析,深刻理解了各界对于这类信贷风险处理方式的多样化观点。同时,本文也根据信贷风险的定义、类型和特性,结合全面风险管理理论、信息不对称理论及内部控制理论对N城商行信贷风险管理现状进行分析。随后,通过调查问卷及实地访谈的方法,探讨了N城商行的信贷风险管理问题和它们的成因。最后,基于这些问题的起因,提出了一些优化N城商行信贷风险管理的方案。具体来说:首先,完善多部门协同的内控制度,让各部门分工明确并共同协作;其次,优化评级及预警系统的开发,创建更具有针对性和具象性的评级模型;再者,设置质与量相结合的考核指标,使信贷业务避免因盲目追求规模而忽略相关风险;而后,增加行业及政策的专业培训,提升员工的专业技能;最后,加强合规与风险的案例学习,增强全体人员对于风险的认识和责任感。这为N城商行及其他金融机构提供了一定的参考价值,旨在推动他们进一步完善信贷风险的管理机制,从而降低信贷风险。更多还原

【Abstract】 Urban commercial banks,since reform and opening up,have been a vital part of the financial sector,offering monetary aid to small and medium-sized enterprises.They are now seen as the driving force behind regional economic growth.During the epidemic,these banks broadened their credit offerings to assist numerous smaller and mid-size enterprises in overcoming adversity.Urban commercial banks,in their diversification of credit business,are confronted with a drastic rise in credit risks.At the National Economic Work Conference of China Central Committee,it was emphatically declared that credit risks can have deleterious consequences and thus should be reinforced in terms of risk recognition and control.This risk is a fundamental element in the daily operations and management of these banks;it impedes the expansion of the nation’s economy;however,from a micro perspective,it can also be a hindrance to enterprises’economic growth.The government,during the epidemic,urged commercial banks to offer more money and various types of financial aid to small and medium-sized businesses,while also stressing the avoidance of credit risks,augmenting capital investment,and either controlling or decreasing non-performing loan rates.As a city commercial bank with advantageous local economic advantages,N City Commercial Bank is still confronted with inadequate risk management in its business expansion process.An examination of the credit risk management standing of N City Commercial Bank was undertaken to effectuate a transformation in this circumstance.Field interviews and questionnaire surveys were used to obtain first-hand feedback.Proposals of targeted improvement measures and methods for enhancing the risk management system,based on analysis and research,were made with significant practical importance in order to bolster credit risk management and diminish operational risks.This article,beginning with a review of literature both domestically and internationally,has been designed to gain an understanding of various perspectives on credit risk management.This paper concisely introduces the ideas of credit risk,credit risk management,comprehensive risk theory,internal control theory,information asymmetry theory and internal control theory through a thorough analysis and organization of pertinent theories and research accomplishments from both domestically and internationally subsequently,it thoroughly examines its credit risk management measures.This study,by blending case analysis,delves into and examines the issues and sources of credit risk management in New City commercial banks.Ultimately,its conclusion is drawn.cause analysis,an improvement plan and approach for N City Commercial Bank to improve credit risk management are proposed,mainly including:establishing a sound internal control system,and coordinating the functions of multiple departments;Pay attention to system construction and development,design more targeted and concrete reference models;Diversified assessment indicators for business institutions,with complementary scale and quality;Adhere to the principle of job separation,strengthen training to improve professional abilities;Strengthen case and compliance training,N City Commercial Bank and other commercial banks should strive to enhance their credit risk management system,by raising the level of risk awareness and responsibility among all staff.We are confident that this will result in a bettering of the bottom line of credit risk for them.更多还原