某股份制银行A银行信贷风险管理现状

I摘要2008年以来，随着国际经济环境复杂多变，市场需求低迷，经济发展一直处于下行区间，我国经济增速逐渐放缓，大大小小的企业在经历着备受煎熬的寒冬，传统行业面临着原材料价格波动剧烈、人工成本上升、价格竞争激烈、回款账期越来越长、毛利率直线下降等等问题，实体经济的冲击直接影响着银行业。伴随着“不良贷款爆发”、“净利润降至个位”、“减薪降职潮”、“离职潮”、“金融铁饭碗消失”等热门头条，银行业正在经历着前所未有的挑战。金融行业的兴衰是经济的晴雨表，银行业承担着信用中介的重要职能，更是支撑一国经济的支柱行业，因此现阶段银行信贷风险不断爆发导致银行利润极度锐减的大环境下，各国经济学家、社会学家纷纷开始再度重视银行信贷风险管理问题；身为一名银行从业人员，希望通过对银行信贷风险管理问题的探究，提出一些管理对策，来为正处于困难时期的银行业提供一些改革思路，以更好地达到在控制风险的基础上获得银行利润最大化的目的。本文结合理论分析法、案例分析法、数据分析法等，通过商业银行信贷风险管理进行探究，本文主要工作内容可归纳为四个方面：首先，理论分析，对国内外学者相关研究成果进行了归纳和总结，阐述了商业银行信贷风险管理相关概念及理论；其次，以A银行作为案例分析对象，通过A银行经营数据来阐述当前A银行信贷风险管理现状；再次，深入地分析了A银行信贷风险管理所存在的问题，以及对应的原因；最后，针对这些问题和原因，提出了优化A银行信贷风险管理的策略。旨在通过这些策略的实施，能够提升A银行信贷风险管理质量，进而提升A银行核心竞争力。关键词：A银行；信贷风险管理；案例分析IIAbstractSince2008,withcomplicatedinternationaleconomicenvironment,marketdemanddownturn,economicdevelopmenthasbeenonadownwardinterval,China'seconomicgrowthisslowing,largeandsmallenterprisesintheordealsofthecoldwinter,traditionalindustryfacedavolatilerawmaterialprices,risinglaborcosts,pricecompetitionisintense,thereceivablepaymentdayslongerandlonger,grossmarginhasplummeted,andsoonquestions,theimpactoftherealeconomydirectlyaffectsthebankingindustry.Outbreakofbadloans,netprofitfelltobits,paydemotedtide,leavingtide,financialdisappearironricebowlandotherpopularheadlines,thebankingindustryisexperiencingunprecedentedchallenges.Theriseandfallofthefinancialindustryisabarometerofeconomicandbankingundertakestheimportantfunctionofcreditintermediary,butalsosupportacountry'seconomicpillarindustry,thereforethepresentstageofbankcreditriskrepeatedoutbreaksresultinextremelyreducedcircumstances,bankprofitscountrieseconomists,sociologistsbeganagainattachesgreatimportancetothebankcreditriskmanagementproblems;Asabankemployees,inthehopethatthroughastudyonbankcreditriskmanagementproblems,andputsforwardsomemanagementmeasures,forthebankingsectorisinhardtimessomereformideas,inordertobetterachieveincontrolriskonthebasisofthepurposeofthebankprofitmaximization.Combiningwiththeoreticalanalysis,caseanalysis,dataanalysis,etc.,throughthecommercialbankcreditriskmanagement,thisarticlemainlyworkingcontentcanbesummarizedasfouraspects:first,thetheoreticalanalysis,thescholarhascarriedontheinductionandsummarizestherelevantresearchresultsathomeandabroad,elaboratedthecommercialbankcreditriskmanagementrelatedconceptsandtheories;Secondly,inordertoAbankasAcasestudyobject,throughAbankbusinessdatatoillustratethecurrentAbankcreditriskmanagementstatus;Onceagain,deeplyanalyzestheproblemsofAbankcreditriskmanagement,andthecorrespondingIIIcauses;Finally,aimingattheseproblemsandreasons,putforwardthestrategyoftheoptimizationofAbankcreditriskmanagement.Throughtheimplementationofthesestrategies,toimprovingthequalityofAbankcreditriskmanagement,andthenAbank'scorecompetitiveness.Keywords:Abank;Creditriskmanagement;CaseanalysisIV目录摘要............................................................................................................................IAbstract.........................................................................................................................II目录..........................................................................................................................IV第一章绪论................................................................................................................11.1研究背景与意义...............................................................................................11.1.1研究背景.................................................................................................11.1.2研究意义.................................................................................................11.2国内外研究综述..............................................................................................21.2.1国外文献综述........................................................................................21.2.2国内文献综述........................................................................................41.2.3文献评述................................................................................................51.3研究方法和研究内容......................................................................................61.3.1研究方法................................................................................................61.3.2研究内容................................................................................................61.3.3论文创新点及不足................................................................................7第二章基本概念及相关理论......................................................................................82.1基本概念..........................................................................................................82.1.1商业银行信贷风险概述.........................................................................82.1.2风险管理................................................................................................92.2相关理论.........................................................................................................122.2.1资产管理理论............................................