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1、 (工商管理硕士) 交通银行哈尔滨分行授信管理的研究 STUDY ON THE CREDIT MANAGEMENT OF BANK OF COMMUNICATIONS HARBIN BRANCH 王 崧 2007 年 3 月 PDF created with pdfFactory trial version 国内图书分类号：F272 国际图书分类号：658.81 工商管理硕士学位论文 交通银行哈尔滨分行授信管理的研究 硕 士 研究生：王崧 导 师：惠晓峰 教授 申 请 学 位：工商管理硕士 所 在 单 位：上海浦东发展银行哈尔滨分行 答 辩 日 期：2007 年 3 月 授予学位单位：哈尔滨工
2、业大学 PDF created with pdfFactory trial version Classified Index: F272 U.D.C.: 658.81 A Dissertation for the Degree of MBA STUDY ON THE CREDIT MANAGEMENT OF BANK OF COMMUNICATIONS HARBIN BRANCH Candidate： Wang Song Supervisor： Prof. Hui Xiaofeng Academic Degree Applied for： MBA Affiliation： Shanghai P
3、udong Development Bank Harbin Branch Date of Defense： March, 2007 Degree- Offering- Institution： Harbin Institute of Technology PDF created with pdfFactory trial version 哈尔滨工业大学工商管理硕士学位论文 - I - 摘 要 进入 21 世纪， 我国商业银行的经营环境发生了一系列变化， 宏观调控下 经济结构出现了较为明显的周期性特征，利率市场化进程不断推进，综合经 营渐行渐近，外资银行加快在境内布局，给中资银行带来明显的竞争压
4、力。 巴塞尔新资本协议的付诸实施对银行信用风险管理提出了更高的要求。国外 一些规模较大的银行经过多年的实践和完善，在授信管理组织体系的构建、 授权管理方法、内部评级体系的完善以及信贷管理信息系统的开发方面比较 国内商业银行具有明显的先进性，值得国内商业银行的借鉴和学习。 交通银行 2005 年 6 月在香港H股上市以后，成为国内第一家国际公众持 股银行，投资者对其信贷业务的经营管理提出了更广泛更严格的要求。为了 进一步与国际接轨，提高综合竞争力，改进授信管理模式，提高授信管理水 平是交通银行下一步发展面临的重要课题。 本文通过对国内外商业银行授信管理模式的比较分析，和介绍巴塞尔新 资本协议中有
5、关信用风险管理新的提法和要求，说明国内商业银行授信管理 现状。通过详细介绍交通银行哈尔滨分行的授信管理模式，说明该模式在国 内同业银行中的先进性。通过对哈尔滨分行近年来的资产规模、五级分类等 指标的比较说明哈尔滨分行在授信管理方面存在的问题，并对问题形成的原 因进行分析。最终结合实际情况提出确立全面风险管理的理念和科学的授信 管理理念、建立交通银行垂直授信组织体系、调整哈尔滨分行现有贷前调查 流程、贷审会委员制度、完善客户评价体系及考核机制等建议。授信管理是 商业银行风险管理的核心内容之一，交通银行哈尔滨分行必须重视授信管理 工作，对现有的问题进行改进和完善，才能增强自身竞争力，健康持续地发
6、展。 关键词 交通银行；授信管理；信用风险 PDF created with pdfFactory trial version 哈尔滨工业大学工商管理硕士学位论文 - II - Abstract Entered for the 21st century, Commercial banks management environment has had a series of changes, under the macroeconomic regulation and control the economic structure appeared a more obvious periodic
7、characteristic, the interest rate marketability advanced unceasingly, the comprehensive management gradually the line edged, the credit risk that the commercial bank faced appeared the new characteristic. The foreign banks speeds up opening, bring more competition pressure to the internal commercial
8、 bank. Basel new capital agreement set a higher request to the bank credit risk management. After many years practices and the consummation, some big scale foreign banks have the obvious sophistication in the credit management organization system, the authorization management, internal credit rating
9、 system as well as the credit management information system, is worth the internal commercial bank to study. June 2005, Bank of communications became the first international public float banks. The investor proposes more widespread and stricter request to Bank of Communications management and operat
10、ion. To improve our overall competitiveness, enhancing the management level of the credit management is the subject more important to the future development. Through the comparative analysis of the credit management model of the domestic and foreign commercial bank, the introduction of the Basel new
11、 capital agreement related credit risk management, this article explained the present situation of the internal commercial banks credit management, introduced Bank of Communications Harbin Branchs credit management model in detail and explained this patterns advancement in the internal commercial ba
12、nk., explained the problems which existed in the credit management of Harbin Branch, and carried on the analysis to the problems. Finally this artical unified the actual situation to propose the idea that to establish the comprehensive risk management and adjusts the Harbin Branch investigate flow、t
13、he loan examines meeting committee member system、customer suggestions and appraisal system、 inspection mechanism is very necessary. The credit management is one of the commercial bank risk management core contents. Bank of Communications PDF created with pdfFactory trial version 哈尔滨工业大学工商管理硕士学位论文 -
14、III - Harbin Branch must make the improvement and the consummation to the existing question, strengthen own competitive power. Keywords Bank of Communications; credit management; credit risk PDF created with pdfFactory trial version 哈尔滨工业大学工商管理硕士学位论文 - IV - 目 录 摘 要.I Abstract.II 第 1 章 绪论.1 1.1 问题的提出.1 1.2 国内外商业银行授信管理的现状.2 1.2.1 授信管理及内容.
