商業(yè)銀行信貸風(fēng)險防范的研究

論文編號:CW190  論文字?jǐn)?shù):12946,頁數(shù):18

商業(yè)銀行信貸風(fēng)險防范的研究

摘 要
     風(fēng)險是現(xiàn)代經(jīng)濟的基本特征，信貸風(fēng)險是商業(yè)銀行面臨的最大風(fēng)險，風(fēng)險防范是銀行業(yè)運行和發(fā)展的永恒主題。在銀行業(yè)經(jīng)常存在的各種風(fēng)險中，最集中的問題就是信貸風(fēng)險。我國商業(yè)銀行由于歷史、體制及自身的原因，不良資產(chǎn)加速積累和積聚，集中表現(xiàn)為商業(yè)銀行不良資產(chǎn)存量難以化解，增量難以遏制，普遍存在著嚴(yán)重的信貸風(fēng)險.本文首先分析了商業(yè)銀行信貸風(fēng)險的表現(xiàn)及成因，接著闡述了其對銀行體系內(nèi)信貸所產(chǎn)生的不良影響，最后對信貸風(fēng)險的防范提出了具體的對策和建議，旨在加強貸后管理，采取適當(dāng)?shù)谋O(jiān)管制度，全面保證商業(yè)銀行信貸資產(chǎn)運作的安全性。

關(guān)鍵詞：商業(yè)銀行；信貸風(fēng)險；防范

Commercial Bank of Credit Risk

Abstract
     Risk is the basic characteristics of modern economy, credit risk is the biggest risk to commercial banks, the banking operation and risk prevention is the development of the eternal theme. Often exist in the banking sector risks, the problem is most concentrated credit risk. Commercial Bank of China due to historical, institutional, and its own reasons, to accelerate the accumulation and the accumulation of bad assets, focused on the performance of the stock of non-performing assets of commercial banks is difficult toresolve,incremental difficult to contain, the preva lence of serious credit risk. This paper analyzes the commercial banks the performance of credit risk and causes, and then elaborated on the banking system of its adverse impact of credit, the last of the credit risk prevention measures and put forward specific recommendations to strengthen the post-loan management, appropriate regulatory system, a comprehensive operation of commercial bank assets to ensure the safety of the credit.
   
Keywords: commercial banks; credit risk; preventio

目 錄

1 緒 論 1
1.1 研究背景 1
1.2 理論依據(jù) 1
1.2.1 信息不對稱理論 1
1.2.2 巴塞爾協(xié)議 1
1.3 研究意義 1
1.4 文獻綜述 2
2 商業(yè)銀行信貸風(fēng)險概述 3
2.1 銀行信貸的含義 3
2.2 商業(yè)銀行信貸風(fēng)險的特征 3
2.3 商業(yè)銀行信貸風(fēng)險的分類 3
3 商業(yè)銀行信貸風(fēng)險的成因分析 5
3.1 宏觀方面 5
3.2 微觀方面 5
3.3 銀行方面 5
3.4 企業(yè)方面 6
3.5 政府方面 6
4 商業(yè)銀行信貸風(fēng)險防范 7
4.1 商業(yè)銀行信貸風(fēng)險防范的原則 7
4.2 商業(yè)銀行信貸風(fēng)險防范的對策 7
4.2.1 實行“三權(quán)分立”的貸款審查組織構(gòu)架 7
4.2.2 建立有效的審批流程策略 7
4.2.3 建立可靠的風(fēng)險信息系統(tǒng) 8
4.2.4 運用風(fēng)險決策模型 9
5 我國商業(yè)銀行信貸風(fēng)險防范的建議 11
5.1努力發(fā)展信貸資產(chǎn)證券化 11
5.2 加強貸后管理 11
5.3 監(jiān)管機構(gòu)實行審慎監(jiān)管 12
6 結(jié)束語 13
參考文獻 14
致謝 15