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MBA碩士畢業論文_設銀行A支行不良貸款管理研究PDF

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I 摘要 目前世界經濟整體呈下行趨勢,中國雖然GDP增速高于世界其他主流國家,但受 疫情等因素的影響,未來發展仍具有很大的不確定性,國內企 業尤其是民營企業生存 困難,盈利能力出現不同程度的下降,現金流緊張,償還貸款的能力出現問題,商業 銀行在國家目前加大支持實體經濟的號召下不斷加大信貸投放,與此 同時商業銀行的 不良貸款總額以及不良率也出現了上升的趨勢。各家商業銀行在進行不良貸款催收時 方式多種多樣,但減少不良貸款、降低不良貸款率收效甚微,不良貸款的問 題是目前 各家商業銀行仍需亟待解決問題之一。 本文的核心內容包含三部分,第一部分,本文將目前國內外不同研究學者對不良 貸款管理的相關理論進行了系統地梳理;第二部 分,本文結合建設銀行A支行的不良 貸款處置情況,從銀行內外角度對不良貸款產生的原因進行了闡述,本文認為不良貸 款產生的原因從銀行內部來看主要有人員問題、制度問題 、管理問題,從銀行外部來 看主要有信用環境問題、企業經營問題等。第三部分,本文對不良貸款處置模式進行 了對比分析,并結合建設銀行A銀行的處置實例對各種不良貸款處 置模式的效果進行 了對比,同時提出了對不良貸款要進行量體裁衣的處置模式。 本文從建設銀行A支行的基本情況為例,對近三年建設銀行A支行不良貸款發生 的原因以案例的方 式進行了詳細的介紹,同時對該銀行不良貸款處置的方式以及取得 的效果進行了闡述,并從企業經營角度、銀行管理角度、國內市場經營環境的多個方 面進行深入的分析,結合 目前銀行業不良管理的諸多問題,本文提出了建設性的建議。 同時本文對未來不良貸款控制及處置從宏觀角度提出了以下措施和建議:營造良好的 宏觀信用環境,強化銀行自身 風險防范能力、金融同業共享創新;同時利用目前的金 融科技等手段提高銀行獲取信息的能力,通過不斷培訓提高員工的職業素養與道德等 多種方式來降低銀行的不良貸款。 關 鍵詞:不良貸款;風險控制;不良處置 ABSTRACT III ABSTRACT The world economy downward trend on the whole, although China's GDP growth is higher than other major countries in the world, but the outbreak, the influence of such factors as the future development are still of great uncertainty, domestic enterprises especially the private enterprise survival difficult, the profitability of varying degrees of decline, the cash flow nervous, problems with the ability to repay the loan, commercial Banks in the country has increased support under the call of the real economy, increasing supply of credit, at the same time the total amount of non-performing loans of commercial Banks and the trend of the defective rate also rose. There are various ways for commercial banks to collect non-performing loans, but it has little effect to reduce the non-performing loans and the non-performing loan ratio. The problem of non-performing loans is one of the problems that commercial banks still need to solve urgently. The core content of this paper consists of three parts. The first part systematically sorts out the relevant theories of non-performing loan management by different domestic and foreign researchers. The second part, this paper combined with the construction bank, A branch of non-performing loans, the causes of bad loans from the Angle of inside and outside the bank, this paper argues that the causes of bad loans from Banks internal mainly include personnel, system problems, management problems, external view mainly are from the bank credit environment problem, problem of enterprise management, etc. In the third part, this paper makes A comparative analysis of the NPL disposal models, compares the effects of various NPL disposal models with the disposal examples of Bank A of China Construction Bank, and puts forward the NPL disposal model that should be tailored accordingly. This article from the construction bank, A branch as an example, the basic situation of the construction bank in recent 3 years causes were A branch of non-performing loans in the form of case has carried on the detailed introduction, at the same time and with the way the bank non-performing loans are expounded, the effect of from the perspective of enterprise management, bank management point of view, the domestic market in-depth analysis the business environment in other ways, combining the banking problems of bad management, this paper puts forward the constructive Suggestions. At the same time, this paper puts forward the following measures and suggestions for the future control and disposal of non-performing loans from a macro perspective: to create a good macro credit environment, 西北農林科技大學碩士學位論文 IV strengthen the risk prevention ability of banks, sharing innovation among financial institutions; At the same time, the current financial technology and other means should be used to improve the bank's ability to obtain information, and the professional quality and ethics of employees should be constantly trained to reduce the bank's non-performing loans. KRY WORD: Non-performing loans; Risk control; Bad treatment 目 錄 I 目 錄 摘要 ........................................................................................................................................... I ABSTRACT ........................................................................................................................... III 第一章 緒論 .......................................................................................................................... 1 1.1研究背景及意義 ......................................................................................................... 1 1.1.1研究背景 ........................................................................................................... 1 1.1.2研究意義 ........................................................................................................... 2 1.2國內外研究現狀 ......................................................................................................... 2 1.2.1國內研究現狀 ................................................................................................... 2 1.2.2國外研究現狀 ................................................................................................... 4 1.3研究內容與思路 ......................................................................................................... 6 1.3.1研究內容 ........................................................................................................... 6 1.3.2研究思路 ........................................................................................................... 6 1.4 創新與不足 ................................................................................................................ 8 第二章 相關概念與理論 ...................................................................................................... 9 2.1不良貸款概述 ............................................................................................................. 9 2.1.1不良貸款的概念 ............................................................................................... 9 2.1.2不良貸款形成的原因 ....................................................................................... 9 2.1.3不良貸款的危害 ............................................................................................... 9 2.1.4不良貸款的分類 ............................................................................................. 10 2.2商業銀行 ................................................................................................................... 10 2.2.1商業銀行的概念 ............................................................................................. 10 2.2.2商業銀行的屬性 ............................................................................................. 11 2.3信用風險管理類型介紹 ........................................................................................... 12 2.4資產管理研究相關理論 ........................................................................................... 12 2.4.1資產轉移理論 ................................................................................................. 12 2.4.2預期收入理論 ................................................................................................. 13 2.5巴塞爾協議 ............................................................................................................... 13 2.6商業銀行信貸風險管理的過程 ............................................................................... 14 第三章 建設銀行A支行不良貸款現狀分析 ................................................................... 15 3.1 建設銀行A支行簡介 ............................................................................................. 15 西北農林科技大學碩士學位論文 II 3.2建設銀行A支行不良貸款情況 介紹 ...................................................................... 16 3.3 建設銀行A支行不良貸款處置情況 ..................................................................... 18 第四章 不良貸款產生原因分析 ........................................................................................ 19 4.1銀行內部方面原因 ................................................................................................... 19 4.1.1 貸款操作流程存在一定的不完善 ................................................................ 19 4.1.2淡化客戶考察中第一還款來源的重要性,過分看重風險緩釋措施 ......... 20 4.1.3信息不對 稱引起風險預警滯后 ..................................................................... 21 4.1.4信貸從業人員理論基礎差、專業素質有待進一步提高 ............................. 21 4.2銀行外部方面原因 ................................................................................................... 22 4.2.1經濟環境變化的影響 ..................................................................................... 22 4.2.2司法部門對不良貸款處置的影響 ................................................................. 22 4.2.3企業經營出現問題導致不良貸款的發生 ..................................................... 22 第五章 不良貸款處置方法分析及完善不良貸款管理的建議 .......................................... 24 5.1不良貸款處置方法分析 ........................................................................................... 24 5.1.1常規手段催收 ................................................................................................. 24 5.1.2法律手段追索 ................................................................................................. 24 5.1.3減免表外欠息 ................................................................................................. 24 5.1.4借新還舊 ......................................................................................................... 25 5.1.5調整借款期限 ................................................................................................. 25 5.1.6變更借款人 ..................................................................................................... 25 5.1.7變更借款人 ..................................................................................................... 25 5.1.8不良貸款核銷 ................................................................................................. 25 5.1.9不良資產證券化 ............................................................................................. 26 5.2國外不良貸款管理的經驗借鑒 ............................................................................... 27 5.2.1美國商業銀行處理不良貸款的方式。 ......................................................... 27 5.2.2日本商業銀行處理不良貸款的方式。 ......................................................... 27 5.2.3中歐國家商業銀行處理不良貸款的方式 ..................................................... 27 5.3完善不良貸款管理的建議 ....................................................................................... 27 5.3.1營造良好宏觀信用環境 ................................................................................. 27 5.3.2強化銀行自身風險防范能力 ......................................................................... 28 5.3.3金融同業共享創新 ......................................................................................... 28 第六章 總結與展望 ............................................................................................................ 30 6.1研究總結 ................................................................................................................... 30 目 錄 III 6.2展望 ........................................................................................................................... 30。。。。。。以下內容略
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