招商银行济南泉州路支行G企业授信业务中的信贷风险管理研究

I摘要对公授信业务是当前我国商业银行的支柱性业务，同时也是商业银行操作风险高发业务之一。与会计业务系统及个人银行业务等操作风险高发业务相比，对公授信业务操作风险的发生率可能相对较低，但由于对公授信业务的批发业务特点，其单件风险事件的损失却远大于前两类业务。对公授信业务操作风险的另一特点就是，一旦出现操作风险与信用风险的藕合，所造成的信贷资产损失往往远大于纯粹的信用风险。因此，加强商业银行对公授信业务领域的风险防范，提高商业银行对公业务中信贷风险管理水平，对有效降低商业银行的信贷资产损失，改善商业银行的经营状况具有重大意义。管理信贷风险是银行的核心技能。自从有了银行之后，人们就没有停止过对信贷风险的研究。因为信贷管理不散而导致的悲剧也此起彼伏。2008年6月美国印地麦克银行（IndyMacBank）的倒闭就是最近的佐证。招商银行济南泉城路支行至今也不过只有数十年的时间，信贷风险管理几乎是从零开始。如何在现代银行信贷风险管理理论和实践经验的基础上构建适合招商银行济南泉城路支行自身业务特点的信贷风险管理理论和务实的信贷风险管理体系具有十分重大的现实意义。信贷风险管理的过程，其实就是对风险进行事前防范、事中控制和事后处理的过程，是商业银行为实现经营目标所建立的一种机制。因此，从我国现实的信贷环境出发，研究探讨商业银行授信业务的风险识别、评估和分析，预测风险发生的可能并采取措施控制客观条件的变化，降低风险发生的概率，这对于保障商业银行稳健运营，促进银行信贷业务的创新和发展，具有十分重要的意义。本文对商业银行对公授信业务中信贷风险管理的现状进行介绍，接着分析了商业银行对公授信业务中信贷风险管理存在的问题，并对产生这些问题的原因进行了分析。针对商业银行对公业务中信贷风险管理存在的问题，提出进一步完善我国商业银行对公业务信贷风险管理的建议。并以招商银行济南泉城路支行G企业授信业务中的风险管理研究为例，提出相关的措施降低信贷风险。希望本文的研究能为完善我国商业银行对公业务信贷的风险管理制度，降低对公业务中的信贷风险有一定的借鉴意义。II关键词：银行信贷，信贷风险，信贷风险管理IIIAbstractCorporatecreditbusinessiscurrentlythemainstayofthebusinessofcommercialbanks,commercialbanksalsooperateoneofhighriskbusiness.Comparedwiththeaccountingsystemandpersonalbankingservices,suchashighoperationalrisk,theincidenceofpubliccreditforoperationalriskmayberelativelylow,butbecauseofthepubliccreditbusinessinthewholesalebusinesscharacteristics,theriskoflossofitssingleeventbutambitiousinthefirsttwocategoriesofbusiness.Anothercharacteristicofthepubliccreditforoperationalriskisthatoncethecouplingoperationalriskandcreditriskofemergenceofcreditassetsareoftenmuchgreaterthanthelossescausedbythepurecreditrisk.Therefore,thestrengtheningofcommercialbanksinthefieldofpubliccreditbusinessriskprevention,improvepublicservicesincommercialbankcreditriskmanagement,toeffectivelyreducethelossofcreditassetsofcommercialbanks,commercialbankstoimprovetheoperatingconditionsofgreatsignificance.Creditriskmanagementisacoreskillbanks.Withthebanksince,peoplehavenotstoppedresearchoncreditrisk.Tragedylingersasaresultofcreditmanagementisalsooneafteranother.June2008AmericanIndyMacBank(IndyMacBank)collapseistherecentevidence.ChinaMerchantsBankJinanBranchQuanChengbutsofaronlyafewdecades,creditriskmanagementalmostfromscratch.HowtobuildQuanChengJinanBranchofChinaMerchantsBankforitsownbusinesscharacteristicsbasedonmodernbankcreditriskmanagementtheoryandpracticalexperienceoncreditriskmanagementtheoryandpracticalcreditriskmanagementsystemisofgreatpracticalsignificance.Creditriskmanagementprocess,infact,advancepreventionofrisk,amatterofcontrolandpost-processingprocess,isamechanismtoachievebusinessobjectivescommercialbankestablished.Therefore,fromthestartoftherealcreditenvironment,theresearchersexplorethecommercialbankcreditbusinessriskidentification,assessmentandanalysismaypredictriskandtakemeasurestocontrolthechangesinIVobjectiveconditions,reducingtheprobabilityoftheriskoccurring,whichfortheprotectionofcommercialbankssteadyoperations,topromoteinnovationandthedevelopmentofbankcreditbusiness,hasveryimportantsignificance.Inthispaper,thestatusofcommercialbanksinthepubliccreditbusinesscreditriskmanagementareintroduced,followedbyanalysisofthecommercialbanksincorporatecreditbusinesscreditriskmanagementproblems,andthecausesoftheseproblemswereanalyzed.ForcommercialbanksinthecreditriskmanagementofpublicbusinessproblemsinChina'scommercialbankstomakefurtherrecommendationstoimprovepublicservicesforcreditriskmanagement.AndGEnterpriseRiskManagementinthecreditbusinessQuanChengJinanBranchofChinaMerchantsBank,forexample,proposerelevantmeasurestoreducecreditrisk.ThisstudyhopestoimprovepublicservicesforChina'scommercialbankscreditriskmanagementsystem,reducecreditriskinthepublicservicehaveacertainsignificancekeyWords：Bankcredit,creditrisk,creditriskmanagement.V目录摘要...................................................................................................................................................IAbstract...........................................................................................................................................III第一章绪论.....................................................................................................................................1一、研究背景...........................................................................................................................1二、目的与意义.......................................................................................................................2三、国内外研究现状...............................................................................................................2（一）国外研究现状.......................................................................................................2（二）国内研究现状.......................................................................................................3四、方法与思路.......................................................................................................................4（一）研究方法...............................................................................................................4（二）研究路线..................................................