摘要
本文以CMIS系統(tǒng)在WZ建行的應(yīng)用現(xiàn)狀為背景，以信息化方法收集對(duì)客戶的管理信息
為措施，以提升WZ建行的風(fēng)險(xiǎn)控制能力為目的，結(jié)合銀行管理和CMIS系統(tǒng)的相關(guān)理論及
實(shí)踐經(jīng)驗(yàn)，從WZ建行的實(shí)際情況出發(fā)，在充分調(diào)研的基礎(chǔ)上，針對(duì)基層商業(yè)銀行在經(jīng)營(yíng)
過(guò)程容易出現(xiàn)的風(fēng)險(xiǎn)，分析了目前CMIS系統(tǒng)在基層建設(shè)銀行風(fēng)險(xiǎn)控制方面存在的缺陷，
開(kāi)發(fā)了CMIS系統(tǒng)附加功能模塊，并運(yùn)用Louts Notes Domino軟件工具進(jìn)行設(shè)計(jì)，在優(yōu)化
系統(tǒng)的基礎(chǔ)上，重點(diǎn)對(duì)wZ建行公司信貸業(yè)務(wù)操作流程進(jìn)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(gè)環(huán)節(jié)提出了具體操作程序和重點(diǎn)控制內(nèi)容，改變了
以前CMIS系統(tǒng)只對(duì)已發(fā)生的信貸業(yè)務(wù)進(jìn)行信息化管理的模式，使信貸人員樹(shù)立起了對(duì)客
戶全流程信息化管理的意識(shí)。為經(jīng)營(yíng)人員在經(jīng)營(yíng)信貸資產(chǎn)過(guò)程中出現(xiàn)的各種風(fēng)險(xiǎn)，提供了
及時(shí)、多樣化的信息反饋渠道，為提升WZ建行公司信貸業(yè)務(wù)的整體風(fēng)險(xiǎn)控制能力夯實(shí)基
礎(chǔ)。
【關(guān)鍵詞】CMIS系統(tǒng)公司信貸業(yè)務(wù)風(fēng)險(xiǎn)控制
1
1緒論·····················································································································1
1.1選題背景及意義···············································································································1
1.2研究?jī)?nèi)容及方法···············································································································2
1.3主要觀點(diǎn)及論文結(jié)構(gòu)安排·······························································································3
2商業(yè)銀行信貸業(yè)務(wù)風(fēng)險(xiǎn)控制理論綜述·····························································5
2.1商業(yè)銀行的信貸風(fēng)險(xiǎn)種類(lèi)·······························································································5
2.2商業(yè)銀行信貸風(fēng)險(xiǎn)控制的必要性····················································································6
2.3我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)控制現(xiàn)狀····················································································6
2.4西方商業(yè)銀行信貸風(fēng)險(xiǎn)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(wù)現(xiàn)狀和質(zhì)量分析·······································································10
3.2.1 WZ建行公司信貸業(yè)務(wù)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(fēng)險(xiǎn)及形成原因···························································15
3.4提高WZ建行公司信貸業(yè)務(wù)風(fēng)險(xiǎn)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(wù)風(fēng)險(xiǎn)控制中的應(yīng)用現(xiàn)狀·····················20
4.1 CMIS系統(tǒng)簡(jiǎn)介··············································································································20
4.2 CMIS系統(tǒng)在信貸風(fēng)險(xiǎn)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···························································..