| 论文中文题名： | A银行Y分行个人经营贷款信贷风险管理研究 |
| 姓名： | |
| 学号： | 21302219059 |
| 保密级别： | 公开 |
| 论文语种： | chi |
| 学科代码： | 125100 |
| 学科名称： | 管理学 - 工商管理 |
| 学生类型： | 硕士 |
| 学位级别： | 工商管理硕士 |
| 学位年度： | 2024 |
| 培养单位： | 西安科技大学 |
| 院系： | |
| 专业： | |
| 研究方向： | 组织战略与风险管理 |
| 第一导师姓名： | |
| 第一导师单位： | |
| 论文提交日期： | 2024-12-05 |
| 论文答辩日期： | 2024-11-30 |
| 论文外文题名： | Research on credit risk management of personal business loans in Y branch of Bank A |
| 论文中文关键词： | |
| 论文外文关键词： | business loan ; credit risk ; risk evaluation ; risk management |
| 论文中文摘要： |
近年来，随着内外部监管力度的加大，提高防控信贷风险能力已经成为不可回避的重要任务。我国商业银行在深化普惠金融服务的同时，信贷风险管理不足的弊端也日渐凸显。A银行Y分行作为大型国有商业银行下辖二级分行，信贷违规行为的频发，个人经营贷款不良率的居高不下严重阻碍了业务经营发展。有效识别并化解信贷风险，推动个人经营贷款高质量健康发展成为Y分行面临的一项重要挑战。 本文以A银行Y分行为研究对象，通过查阅国内外研究文献，结合信贷风险管理、信息不对称等相关理论，归纳整理个人经营贷款信贷风险管理的相关概念并为后面章节提供理论支撑。首先，对Y分行个人经营贷款信贷业务风险现状做简要分析，结合Y分行个人经营贷款流程，从贷前调查、贷中审批、贷后管理三个方面运用WBS-RBS法与专家访谈法，分别对信贷风险因素进行识别，分析得出信贷风险因素包括市场风险、操作风险、道德风险和合规风险。然后，运用层次分析法确定各风险因素的权重比例后建立信贷风险评价模型，对风险程度进行赋值，并通过问卷收集相关数据进行分析，对Y分行个人经营贷款信贷风险大小进行评价和风险程度判定，评价结果得出道德风险与操作风险的风险程度最高。最后，依据信贷风险评价结果，结合Y分行个人经营贷款业务发展特色，对识别出的四类风险针对性提出应对方案，如培养员工专业水平、更新贷后管理制度、完善预警监测机制、提高员工道德修养等。 本文从A银行Y分行个人经营贷款信贷风险管理现状入手，理论结合实际，研究成果为Y分行做好个人经营贷款信贷风险管控，推动个人经营贷款高质量健康发展，提高市场竞争力提供有效性的参考。 |
| 论文外文摘要： |
In recent years, with the intensification of internal and external regulatory efforts, enhancing the ability to control credit risks has become an unavoidable important task. While deepening inclusive financial services, the shortcomings of insufficient credit risk management in commercial banks have become increasingly apparent. As a second-level branch of a large state-owned commercial bank, A Bank's Y Branch has seen frequent violations of credit regulations, with the personal business loan non-performing rate remaining high, which has seriously hindered the development of its business operations. Effectively identifying and resolving credit risks and driving the high-quality and healthy development of personal business loans has become an important challenge facing Y Branch. This paper takes A Bank's Y Branch as the research object, by reviewing domestic and foreign research literature, combining credit risk management and information asymmetry theories, it summarizes and organizes the relevant concepts of personal business loan credit risk management for the subsequent chapters. First, it briefly analyzes the current credit risk status of Y Branch's personal business loan credit business, and combines the personal business loan process of Y Branch to identify credit risk factors using the WBS-RBS method and expert interview method from the pre-loan investigation, loan approval, and post-loan management aspects. The analysis concludes that the credit risk factors include market risk, operational risk, moral risk, and compliance risk. Then, using the analytic hierarchy process to determine the weight proportion of each risk factor, a credit risk evaluation model is established to assign values to the risk degree, and relevant data is collected through questionnaires for analysis to evaluate the size of Y Branch's personal business loan credit risk and determine the risk level. The evaluation result shows that the moral risk and operational risk have the highest risk level. Finally, based on the credit risk evaluation results, combined with the business development characteristics of Y Branch's personal business loan business, targeted countermeasures are proposed for the four identified risks, such as cultivating employee professional levels, updating loan post-management systems, improving early warning and monitoring mechanisms, and improving employee ethical standards. This paper starts from the current status of personal business loan credit risk management at A Bank's Y Branch in the research process, combining theory with practice. The research findings provide effective references for Y Branch to improve its credit risk control of personal business loans, promote the high-quality and healthy development of personal business loans, and enhance its market competitiveness. |
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| 中图分类号： | F832.332 |
| 开放日期： | 2024-12-20 |
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