優(yōu)化cmis系統(tǒng)及其在wz建行公司信貸風險控制中的應用研究(67頁).rar
優(yōu)化cmis系統(tǒng)及其在wz建行公司信貸風險控制中的應用研究(67頁),摘要本文以cmis系統(tǒng)在wz建行的應用現(xiàn)狀為背景，以信息化方法收集對客戶的管理信息為措施，以提升wz建行的風險控制能力為目的，結合銀行管理和cmis系統(tǒng)的相關理論及實踐經(jīng)驗，從wz建行的實際情況出發(fā)，在充分調(diào)研的基礎上，針對基層商業(yè)銀行在經(jīng)營過程容易出現(xiàn)的風險，分析了目前cmis系統(tǒng)在基層建設銀行風險控制方面存在的缺陷...
該文檔為壓縮文件,包含的文件列表如下:
內(nèi)容介紹
原文檔由會員 白癡學東西 發(fā)布
摘要
本文以CMIS系統(tǒng)在WZ建行的應用現(xiàn)狀為背景，以信息化方法收集對客戶的管理信息
為措施，以提升WZ建行的風險控制能力為目的，結合銀行管理和CMIS系統(tǒng)的相關理論及
實踐經(jīng)驗，從WZ建行的實際情況出發(fā)，在充分調(diào)研的基礎上，針對基層商業(yè)銀行在經(jīng)營
過程容易出現(xiàn)的風險，分析了目前CMIS系統(tǒng)在基層建設銀行風險控制方面存在的缺陷，
開發(fā)了CMIS系統(tǒng)附加功能模塊，并運用Louts Notes Domino軟件工具進行設計，在優(yōu)化
系統(tǒng)的基礎上，重點對wZ建行公司信貸業(yè)務操作流程進行重新梳理，從貸前調(diào)查、審查、
審批、發(fā)放、貸后管理直到回收的各個環(huán)節(jié)提出了具體操作程序和重點控制內(nèi)容，改變了
以前CMIS系統(tǒng)只對已發(fā)生的信貸業(yè)務進行信息化管理的模式，使信貸人員樹立起了對客
戶全流程信息化管理的意識。為經(jīng)營人員在經(jīng)營信貸資產(chǎn)過程中出現(xiàn)的各種風險，提供了
及時、多樣化的信息反饋渠道，為提升WZ建行公司信貸業(yè)務的整體風險控制能力夯實基
礎。
【關鍵詞】CMIS系統(tǒng)公司信貸業(yè)務風險控制
1
1緒論·····················································································································1
1.1選題背景及意義···············································································································1
1.2研究內(nèi)容及方法···············································································································2
1.3主要觀點及論文結構安排·······························································································3
2商業(yè)銀行信貸業(yè)務風險控制理論綜述·····························································5
2.1商業(yè)銀行的信貸風險種類·······························································································5
2.2商業(yè)銀行信貸風險控制的必要性····················································································6
2.3我國商業(yè)銀行信貸風險控制現(xiàn)狀····················································································6
2.4西方商業(yè)銀行信貸風險控制借鑒····················································································7
3 WZ建行公司信貸資產(chǎn)質(zhì)量分析······································································9
3.1 WZ建行基本情況············································································································9
3.2 WZ建行公司信貸業(yè)務現(xiàn)狀和質(zhì)量分析·······································································10
3.2.1 WZ建行公司信貸業(yè)務現(xiàn)狀····················································································10
3.2.2 WZ建行公司信貸資產(chǎn)質(zhì)量狀況············································································12
3.3 WZ建行目前存在的主要信貸風險及形成原因···························································15
3.4提高WZ建行公司信貸業(yè)務風險控制能力的必要性··················································18
4 CMIS系統(tǒng)在WZ建行公司信貸業(yè)務風險控制中的應用現(xiàn)狀·····················20
4.1 CMIS系統(tǒng)簡介··············································································································20
4.2 CMIS系統(tǒng)在信貸風險控制方面的主要功能·······························································22
4.2.1客戶信息管理··········································································································22
4.2.2合同信息管理···························································..
本文以CMIS系統(tǒng)在WZ建行的應用現(xiàn)狀為背景，以信息化方法收集對客戶的管理信息
為措施，以提升WZ建行的風險控制能力為目的，結合銀行管理和CMIS系統(tǒng)的相關理論及
實踐經(jīng)驗，從WZ建行的實際情況出發(fā)，在充分調(diào)研的基礎上，針對基層商業(yè)銀行在經(jīng)營
過程容易出現(xiàn)的風險，分析了目前CMIS系統(tǒng)在基層建設銀行風險控制方面存在的缺陷，
開發(fā)了CMIS系統(tǒng)附加功能模塊，并運用Louts Notes Domino軟件工具進行設計，在優(yōu)化
系統(tǒng)的基礎上，重點對wZ建行公司信貸業(yè)務操作流程進行重新梳理，從貸前調(diào)查、審查、
審批、發(fā)放、貸后管理直到回收的各個環(huán)節(jié)提出了具體操作程序和重點控制內(nèi)容，改變了
以前CMIS系統(tǒng)只對已發(fā)生的信貸業(yè)務進行信息化管理的模式，使信貸人員樹立起了對客
戶全流程信息化管理的意識。為經(jīng)營人員在經(jīng)營信貸資產(chǎn)過程中出現(xiàn)的各種風險，提供了
及時、多樣化的信息反饋渠道，為提升WZ建行公司信貸業(yè)務的整體風險控制能力夯實基
礎。
【關鍵詞】CMIS系統(tǒng)公司信貸業(yè)務風險控制
1
1緒論·····················································································································1
1.1選題背景及意義···············································································································1
1.2研究內(nèi)容及方法···············································································································2
1.3主要觀點及論文結構安排·······························································································3
2商業(yè)銀行信貸業(yè)務風險控制理論綜述·····························································5
2.1商業(yè)銀行的信貸風險種類·······························································································5
2.2商業(yè)銀行信貸風險控制的必要性····················································································6
2.3我國商業(yè)銀行信貸風險控制現(xiàn)狀····················································································6
2.4西方商業(yè)銀行信貸風險控制借鑒····················································································7
3 WZ建行公司信貸資產(chǎn)質(zhì)量分析······································································9
3.1 WZ建行基本情況············································································································9
3.2 WZ建行公司信貸業(yè)務現(xiàn)狀和質(zhì)量分析·······································································10
3.2.1 WZ建行公司信貸業(yè)務現(xiàn)狀····················································································10
3.2.2 WZ建行公司信貸資產(chǎn)質(zhì)量狀況············································································12
3.3 WZ建行目前存在的主要信貸風險及形成原因···························································15
3.4提高WZ建行公司信貸業(yè)務風險控制能力的必要性··················································18
4 CMIS系統(tǒng)在WZ建行公司信貸業(yè)務風險控制中的應用現(xiàn)狀·····················20
4.1 CMIS系統(tǒng)簡介··············································································································20
4.2 CMIS系統(tǒng)在信貸風險控制方面的主要功能·······························································22
4.2.1客戶信息管理··········································································································22
4.2.2合同信息管理···························································..
