平安银行信贷风险管控研究 随着中国经济的快速发展，金融业发展迅速，其在国家生产和生活中的作 用日益突出。作为服务型产业，金融业在整体经济活动中起着非常重要的作用。 伴随着我国第三产业的不断发展，银行作为传统并且典型的机构，在发展过程 中的速度十分的惊人。国有银行及大型股份制银行，在负债规模方面以及信贷 业务的规模方面，基础较为稳定，而且基数较大，但相对于城市商业银行而言， 其发展速度相对较低。城市商业银行近些年在历史背景加强的环境下得到了快 速的发展，但是快速发展所带来的隐患也是需要通过科学的管理来尽可能的减 少。 本文的研究主要对平安银行信贷风险控制进行研究，运用实证研究分析， 比较分析、文献分析等方式综合分析平安银行信贷风险控制存在的问题，找出 问题的原因，从内部环境建设和外部环境建设两个维度研究优化信用风险控制 的策略。实现对信贷风险科学化、规范化的预测和管理，为稳定平安银行各项 业务健康发展和各项经营指标稳步增长提供有力保障。 课题的研究分为四个章节： 第一章是绪论部分，对该课题的研究进行了总 体阐述，包括研究背景和研究意义，以及分析所涉及的理论基础。并开展国内 外研究现状风险评估研究，并提出自己的看法;第二章分析了平安银行信用风险 控制的现状和存在的问题。首先对平安银行的基本情况进行阐述，其中包括平 安银行的发展历史以及信贷业务中的担保方式、所处的内部环境与外部环境等 进行了分析和研究；然后详细阐述了平安银行信用风险控制的现状，并在分析 现状后提出了问题;第三章分析了现阶段平安银行信贷问题产生的原因。在平安 信贷问题分析之后，进行本章节的问题成因分析，通过对银行存在问题的分析， 为后续提供优化设计做基础；第四章优化平安银行信贷风险管理的设计; 最后， II 总结分析，在本文的分析基础上，对整体的工作进行总结和分析，分析其中的 贡献以及不足，并且对于目前平安银行的风险管理工作进行总结分析，并结合 对现阶段的经济形势变化进行分析，对平安银行需要在哪方面应该进一步完善 管控措施进行提出。 本文的研究针对银行常用的担保方式进行分析，并且在各种资产保全的手 段中进行了比较分析，重点分析了容易产生风险，并且容易造成损失的关联担 保的产生背景和风险管理措施，对其进行较为科学的引导建议提出和约束建议 的而提出，尽可能的减少银行可能承担的风险和损失。同时，持续优化的信贷 风险控制机制，也是满足银行经营利益最大化、促进其产品、服务、人才、科 技等各个方面不断进步的需要，对提高平安银行竞争力，促进国内金融业健康 发展具有重要的现实意义。 关键词： 平安银行；信贷风险；优化方案 III Abstract Research On Credit Risk Control Of Pingan Bank With the rapid development of China's economy, the development of financial industry is very rapid, and also gradually has a very important role in the national production and life. As a service industry, financial industry has a very important proportion in the overall economic activities. With the continuous development of China's tertiary industry, Banks, as traditional and typical institutions, are developing at an amazing speed. In terms of the scale of liabilities and the scale of credit operations, the state-owned larger Banks and large joint-stock commercial Banks have a stable foundation and a large base, but their development speed is relatively low compared with that of urban Banks. In recent years, urban commercial Banks have achieved rapid development under the background of strengthened historical background, but the hidden dangers brought by rapid development also need to be avoided as much as possible through scientific management. In this paper, the research mainly study of ping an bank credit risk control, using empirical analysis, comparative analysis, literature analysis methods such as comprehensive analysis of ping an bank credit risk control problems, find the problem causes, and from the internal environment and external environment construction two dimensions by studying the countermeasure of optimizing credit risk control of credit risk prediction and management of scientific, standardized, to stabilize the pingan bank has been a steady rise in the healthy development of the business and the business indicators provide powerful guarantee. The research of this subject is divided into four chapters. The first chapter is the introduction, which elaborates the overall research of this subject, including the research background and significance, as well as the analysis of the theoretical basis involved. Chapter two analyzes the present situation and existing problems of credit risk control of ping an bank. First of all, the basic situation of ping an bank is expounded, IV including the guarantee mode in the development historic credit business of ping an bank, the internal environment and external environment, etc., which are analyzed and studied. Then, this paper expounds the current situation of ping an bank in credit risk control and puts forward some problems after analyzing the current situation. Chapter three analyzes the causes of the credit problems of ping an bank at present. After the analysis of ping an's credit problems, the causes of the problems in this chapter are analyzed, and the existing problems of the Banks are analyzed to provide the basis for the subsequent optimization design. Chapter four is about the optimization design of credit risk control of ping an bank. Finally, the summary analysis, in this paper, on the basis of the analysis of the summary and analysis on the work of the whole, the analysis of the contribution and deficiency, and to summarize the pingan bank risk management analysis, reject to the analysis of the current economic situation changes, the ping an bank need to where should further perfect the control measures were put forward. This paper analyzes the research in view of the most common ways of guarantee, and in the various asset preservation means has carried on the comparative analysis, analyzed prone to risk, and easy to cause the loss of associated guarantee background and risk management measures, to scientifically guide suggestion and put forward Suggestions and constraints, as far as possible to reduce the bank may be taking risks and losses. At the same time, the continuously optimized credit risk control mechanism is also the need to meet the maximization of the operation interests of the bank and promote the continuous progress of its products, services, talents, science and technology, which is of great practical significance to improve the market competitiveness of ping an bank and promote the development of national economy. Keywords: Ping An Bank; Credit risk; Optimization scheme V 目 录 第1章 绪论 ........................................................................................... 1 1.1 研究背景与意义 ............................................................................ 1 1.2 研究方法与内容 ............................................................................ 2 1.3 理论基础和文献综述 .................................................................... 5 第2章 平安银行信贷风险控制的现状及存在的问题 ..................... 13 2.1 平安银行基本情况简介 .............................................................. 13 2.2 平安银行信贷风险控制现状描述 ............................................... 16 2.3 平安银行信贷风险控制存在的问题 ........................................... 23 第3章 平安银行信贷问题成因分析 ................................................. 27 3.1 银行内设机构不合理 .................................................................. 27 3.2 银行审核评估不规范 .................................................................. 29 3.3 银行经营管理不科学 .................................................................. 31 3.4 银行制度机制不完善 .................................................................. 32 第4章 平安银行信贷风险管控的优化设计 ..................................... 36 4.1 优化银行内设机构 ...................................................................... 36 4.2 规范银行审核评估 ...................................................................... 37 4.3 创新银行经营模式 ...................................................................... 39 4.4 健全银行制度机制 ...................................................................... 41 结 论 .................................................................................