为了改善平安银行X分行贷款资产质量,分散贷款风险,加快不良贷款的清
收,论文分为六个部分展开研究:第一部分是绪论;第二部分是不良贷款管理相
关理论的介绍;第三章主要介绍了平安银行X分行不良贷款管理的现状;第四部
分针对平安银行X分行不良贷款管理存在的问题,提出解决对策;第五部分主要
是对方案进行实施,并提供了确保方案顺利实施的保障措施;第六部分是论文的
结论。论文研宄过程中主要采用了文献研宄、调查研宄等方法,主要得出以下结
论:(1)平安银行X分行的不良贷款呈现“双升’’趋势,不良贷款的行业和客户集
中程度高,清收处置比较困难。(2)从贷款业务风险控制的视角看,平安银行X
分行不良贷款较高的原因在于贷款业务流程的各个环节都存在漏洞。(3)平安银
行X分行贷款业务存在较高风险的原因主要体现在:客户经理的综合素质有待提
高,银行的激励约束机制偏颇,合规文化建设不力
论文的特色主要体现在研宄对象、切入点和研宄的逻辑主线上
(1)以平安银行X分行为研究对象,以不良贷款为切入点。平安银行X分
行不良贷款近几年存在“双升”现象,不良贷款问题日益严重,是该行急需解决
的重点问题。因此,不仅研宄的针对性更强,研究的现实意义和应用价值也突显
(2)以贷款业务流程为指导构建研宄的逻辑主线。从贷前、贷中、贷后三个
环节分析了平安银行X分行贷款业务存在的问题,也从这三个环节提出该行控制
贷款业务风险的优化方案。这样做的好处是逻辑主线清晰,优化方案的提出更具
针对性和实用性
关键词:商业银行;不良贷款;贷款业务流程;风险控制
I Abstract
In recent years, the non-performing loans of commercial banks have continued to
increase, the quality of assets has continued to deteriorate, and bad loans have serious
negative effects on commercial banks. It is very important to strengthen the control to
the risk of loan business. When the performance of Ping An Bank is high-spejed growth,
the size of non-performing assets and non-performing loan rate is also rising. It has
affected its own development. The loan business of X branch of Ping An Bank no
exception has a high risk. Therefore, the paper takes X branch of Ping An Bank that the
author^ work xmit as the research object, with non-performing loans as the starting
point, to study the risk control of the loan business, to provide some advice for the Bank
to better control the risk of tiie loan business.
In order to improve the quality of the loan assets of X branch of Ping An Bank,
disperse loan risk, and speed up the collection of non-performing loans. The paper is
divided into six parts. The &st part is the introduction. The second part is the
introduction of tiie related theories of the management of non-performing loans. The
third part mainly introduces the current situation of the management of non-performing
loans of X branch of Ping An bank. The fourth part mainly puts forward
countermeasures aiming at the non-performing loans management problems of X
branch of Ping An bank. The fifth part is mainly on the implementation, and provides
the safeguard measures to ensure the smooth implementation of the program. The sixth
part is the conclusion.
The research mainly adopts the methods of literature rcsearch,investigation and
others. The main conclusions are as follows: (1) The non-performing loans of X Branch
of Ping An Bank show a trend of double rise, and the concentration of non-performing
loans of the industry and customers is high. The recovery and disposal is relatively
difficult. (2) From the perspective of loan business risk control,the non-performing
loans of X branch of Ping An Bank is higher because the loan business processes has
loopholes in all aspects. (3) The m血 reasons for the high risk of X-branch loan
business of Ping An Bank are as follows: the overall quality of customer manager needs
to be improved, the bank&39;s incentive and restraint mechanism is biased and the
冚 construction of compliance cultoe is weak.
The main features of the paper are embodied in research object, the breakthrough
point, and the logic line of the research.
(1)Take X branch of Ping An Bank as the research object, with non-performing
loans as the starting point. In recent years, the non-performing loans of X branch of
Ping An Bank are Hdouble rise!! phenomenon, the problem of non-performing loans is
increasingly serious. It is an urgent need to address the key issues. Not only the
pertinence of the research is stronger, but also the realistic meaning and the application
value of the research are highlighted.
(2) Take the loan business process as a guide to build the logic of the main line of
research. This paper analyzes the problems in the loan business of X branch of Ping An
Bank from the three aspects of before the loan, loan and after the loan. It also puts
forward the optimization plan from the three aspects. The advantages are that the logical
line is clear, and the optimization scheme is more targeted and practical.
Key words: Commercial Bank; non-performing loans; loan business process; risk
control
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IV 目录
m w i
Abstract
Ill
胃1胃绪论 1
1.1研究背景及意义1.1.1研宄背景1.1.2研究意义1.2国内外研宄现状1.2.1国外研究现状1-2.2国内研究现状,
1.2.3研究评价1.3研宄方法及主要内容1.3.1研究方法1.3.2主要内容1.4研宄思路及技术路线1.5特色与创新之处第2章贷款业务风险控制理论基础2.1不良贷款形成的理论概述2.1.1不良贷款的界定2.1.2不良贷款的分类2.1.3不良贷款形成的相关理论2.2贷款业务风险控制的含义及内容2.2.1贷款业务风险控制的含义2.2.2贷款业务风险控制的内容第3章平安银行X分行贷款业务风险控制存在问题及原因分析......19
3.1平安银行X分行简介3.2平安银行X分行不良贷款现状3.2.1贷款业务概况3.2.2不良贷款基本情况
20 3.2.3不良贷款的特点
21
3.3平安银行X分行贷款业务风险控制存在的问题
22
3.3.1贷前阶段存在问题
23
3.3.2贷中阶段存在问题
24
3.3.3贷后阶段存在问题
25
3.4平安银行X分行贷款业务风险控制存在问题的原因
26
3.4.1客户经理综合素质有待提高
26
3.4.2激励约束机制不完善
27
3.4.3合规文化建设不强
28
第4章平安银行X分行贷款业务风险控制优化方案设计
29
4.1设计g标
29
4.2设计原则
29
4.3平安银行X分行贷款业务风险控制优化方案
30
4.3.1贷前调查优化
30
4.3.2贷中审批优化
32
4.3.3贷后检查优化
33
第5章平安银行X分行贷款业务风险控制优化方案实施与保障措施
35
5.1平安银行X分行贷款业务风险控制优化方案的卖施步骤
35
5.1.1贯彻下达方案
35
5.1.2落实运用方案
36
5.1.3评价运用效果
36
5.2平安银行X分行贷款业务风险控制优化方案的保障措施
37
5.2.1加强信贷人员队伍建设
37
5.2.2完善激励约束机制,调整考核指标体系
38
5.2.3加强合规文化建设
39
第6章研究结论及论文的局限性
41
参考文献 43
SC ^ 47
第1章绪论
第1章绪论
1.1研究背景及意义
1.1.1研究背景
近年来,我国商业银行所面临的经济形势持续下行,金融市场化程度逐渐加
深,导致商业银行的不良贷款持续增加,资产质量持续恶化,如图1-1所示。i.mm
ls
^ 1.懸
0.50%
a
q.om
2014
201S
2015
不良货款余额 不良货款率
图1-1近年我国商业银行不良贷款变动趋势图
数据来源:中国银监会公布数据整理
^
具体地讲,截止到2016年底,我国商业银行不良贷款余额已经达到1.51万
亿元,不良贷款率为1.74%; 2015年底,我国商业银行不良贷款余额为1.27万亿
元,不良贷款率为1.67%; 2014年底,我国商业银行不良贷款余额为0.84万亿元,
不良贷款率为1.25%。不良贷款给商业银行带来严重的负面影响,加强对不良贷款
风险的控制就显得至关重要。作为平安银行的一名员工,切身体会到行内不良贷
款的增长,对不良贷款管理进行研宄,改善这种不良现象极为迫切
(1)平安银行不良贷款率逐步上升。根据平安银行发布的2016年年报中显
示,2016年平安银行的不良贷款余额己经达
==>>