zz農商銀行個人信貸項目風險管理研究

1、分類號： C93 C93 密級：UDC： 65 65 學校代碼：11065碩 士 專 業(yè) 學 位 論 文ZZ ZZ 農商銀行個人信貸項目風險管理研究 農商銀行個人信貸項目風險管理研究李超 李超指 導 教 師 梁顯忠 副教授學 位 類 別 工程碩士專 業(yè) 領 域 項目管理答 辯 日 期 2017 年 6 月 4 日AbstractIn recent years, economic development stepped into a ne

2、w normal stage in Chinaand competition in financial market becomes increasingly fierce. In order to keep itsdevelopment vigor in the county, Rural Commercial Bank of ZZ, affiliated to ShandongRural Credit Union, has to k

3、eep pace with times and make innovations in supportingagricultural development and small- and micro-sized enterprises, arrange and implementcredit programs practically and make personal credit program the core competitiv

4、eproduct of it. Nowadays, interest spread of deposit and loan of financial institutions arenarrowed continuously and margin of banks is reduced gradually. Additionally, in such aneconomic downturn, Rural Commercial Bank

5、of ZZ does not have enough effective loaddemands, high-quality customer resources are reducing, rebound of non-performing loanis more serious, risks faced by banks are diversified increasingly and risk management ismore

6、difficult. Credit risk management, an important part of risk management of RuralCommercial Bank of ZZ, is indispensable in the whole credit business and is related to aseries of work before, during and after loan, specif

7、ically investigation before loan, loanapproval, loan grant, management after loan and loan collection. Personal credit is a mainpart of loan business of the Bank.So, Effectiveness of personal credit risk managementturns

8、to be an important guarantee for sustainable development of the Bank and has a vitalrole in better supporting agriculture, farmers and rural economy, boosting regionaleconomical development and performing social responsi

9、bilities of the Bank.This Paper analyzed personal credit risk management status and related problems ofRural Commercial Bank of ZZ by referring to theories related to project risk managementand using such methods as lite

10、rature research and case analysis. On this basis, the authorbuilt a personal credit risk evaluation index system composed of such factors as basicfamily situation, credit reputation, loan purpose and market prospect, sec

11、urity conditions,assets and liabilities, revenue and expenditure. Using fuzzy mathematics based fuzzycomprehensive evaluation, the author took all credit risk factors identified as evaluationobjects, set corresponding ri

12、sk factor weight and measure specific risk of each credit riskfactor; additionally, the author determined risk level for each category of credit risk andthus obtained overall risk of the credit. And analysis and verifica