【作者】 任碧莹；

【导师】 李秉祥；

【作者基本信息】 东北财经大学 ， 金融工程学， 2010， 硕士

【副题名】基于企业资金管理中现金池模式的研究

【摘要】 集团客户是银行的主要盈利来源和重要的客户群体,不仅给银行带来巨额的收益,同时也由于潜在的风险而带来惊人的损失。本文的研究对象是：银行集团客户的授信风险管理；本文的思路是：在授信风险管理的理论基础上,以C银行为例,分析C银行在集团客户信贷风险管理方面存在的相关问题,结合集团A建立现金池的案例,提出应对集团客户授信风险的措施。本文综述了集团客户授信风险管理的一般理论,并对集团客户以及集团客户授信风险进行了定义。文章主要从银行、集团客户、外部监管和社会环境四个层面分析了了C银行在授信风险防控方面存在的问题,最终提出了C银行加强集团客户信贷风险管理的成功方案,主要着眼于完善集团客户内部的资金管理,并希望借助外部监管和社会信用体系的力量,对集团客户进行有力的约束,充分利用内外部结合的力量来提高银行对集团客户信贷风险管理的质量。更多还原

【Abstract】 The group corporate clients have become the important customer community and the main profit center of the modern commercial banks. They not only bring the considerable revenue to the banks, but also the potential risk and the massive losses. The investigative object of this article is the credit risk management of group corporate clients, and the thread is based on the theory of credit risk management and taking bank C as example, analyzes the related issues on credit risk management of group corporate clients. Then give the suggestions of managing credit risk through the case of group A about cash pool established. This article summarizes the general theory and gives the definition the of credit risk management of group corporate clients. The article analyzes the issue on credit risk management of bank C from the 4 parts of banks, group corporate clients, external supervision and social environment, puts forward the successful proposal to strength the credit risk management at last. It goes in for improving the internal cash management of group corporate, restricts strongly to them relying on the external supervision and the power of the social credit system, and improves the quality of credit risk management for group corporate clients through the combination of internal and external power.更多还原