我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)管理研究

金融論文編號(hào):JR064  本份論文包括開題報(bào)告,畢業(yè)實(shí)習(xí)報(bào)告,任務(wù)書，外文翻譯，論文字?jǐn)?shù):24648,頁(yè)數(shù):30

目    錄
摘    要 ........................................................I
Abstract ........................................................II
1  緒    論..................................................... 1
1.1  研究背景................................................... 1
1.2  研究的目的和意義 ...........................................2
1.2.1  研究的目的............................................... 2
1.2.2  研究意義................................................. 2
1.3  國(guó)內(nèi)外研究現(xiàn)狀 .............................................3
1.3.1  國(guó)外研究現(xiàn)狀............................................. 3
1.3.2  國(guó)內(nèi)研究現(xiàn)狀 .............................................3
1.4  研究的方法和內(nèi)容........................................... 4
1.4.1  研究的方法 ...............................................4
1.4.2  研究的內(nèi)容 ...............................................4
2  商業(yè)銀行信貸風(fēng)險(xiǎn)管理理論基礎(chǔ) .................................6
2.1  信貸風(fēng)險(xiǎn)的定義............................................. 6
2.2  信貸風(fēng)險(xiǎn)的種類、特征 .......................................6
2.2.1  信貸風(fēng)險(xiǎn)的種類 ...........................................6
2.2.2  信貸風(fēng)險(xiǎn)的特征 ...........................................8
2.3  相關(guān)理論的提出............................................. 9
2.3.1  資產(chǎn)管理理論............................................. 9
2.3.2  資產(chǎn)負(fù)債綜合管理理論 .....................................10
2.3.3  風(fēng)險(xiǎn)資產(chǎn)管理理論......................................... 11
3  商業(yè)銀行信貸風(fēng)險(xiǎn)的成因及分析 .................................12
3.1  商業(yè)銀行信貸風(fēng)險(xiǎn)的成因 .....................................12
3.1.1  來自社會(huì)經(jīng)濟(jì)整體的原因 ...................................12
3.1.2  來自企業(yè)方面的原因 .......................................13
3.1.3  來自銀行方面的原因 .......................................14
3.2  商業(yè)銀行信貸風(fēng)險(xiǎn)的分析 .....................................14
3.2.1  信貸風(fēng)險(xiǎn)分析的程序 .......................................14
3.2.2  信貸分析的基本要素....................................... 15
3.2.3  貸款風(fēng)險(xiǎn)的預(yù)警........................................... 19
4  商業(yè)銀行信貸風(fēng)險(xiǎn)的管理現(xiàn)狀及對(duì)策 .............................20
4.1  我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)管理現(xiàn)狀............................... 20
4.2  商業(yè)銀行信貸風(fēng)險(xiǎn)管理對(duì)策 ...................................23
結(jié)    論 ........................................................25
參考文獻(xiàn)........................................................ 26
致    謝 ........................................................27
附    錄1 .......................................................28
附    錄2 .......................................................32

摘    要
      改革開放以來，作為經(jīng)濟(jì)金融體系的重要組成部分的銀行業(yè)，也由單一的國(guó)家銀行體系實(shí)現(xiàn)了向市場(chǎng)經(jīng)濟(jì)所要求的商業(yè)銀行體系的過渡并得到了很大發(fā)展。但由于內(nèi)外因素的影響，我國(guó)商業(yè)銀行的進(jìn)一步發(fā)展受到了制約。同時(shí)因?yàn)槲覈?guó)商業(yè)銀行體系不良資產(chǎn)偏大，風(fēng)險(xiǎn)管理水平較低，所以在某種程度上也阻礙了金融業(yè)的發(fā)展。試著通過對(duì)我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)的表現(xiàn)、成因以及信貸風(fēng)險(xiǎn)管理現(xiàn)狀和問題的具體分析，從金融制度和信貸管理手段兩方面來尋求問題的解決之道。
運(yùn)用的主要方法是用理論分析的方法對(duì)信貸風(fēng)險(xiǎn)管理問題進(jìn)行探討，理論聯(lián)系實(shí)際，希望通過系統(tǒng)地對(duì)我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)的狀況做出深入淺出的研究，為銀行信貸風(fēng)險(xiǎn)管理的提高提供借鑒。

關(guān)鍵詞：商業(yè)銀行；信貸風(fēng)險(xiǎn)；風(fēng)險(xiǎn)管理

Abstract
        Since the reform and open policy, as the important part of the economical financial system---banking industry, has been realized from the sole state bank system to the commercial bank system transition which requests to the market economy and obtained a grate development. But because the factor influence of inside and outside, our commercial bank’s further development has received the restriction. This paper is written precisely in the background of our country commercial bank system's bad loans is bigger, the risk management level is lower, which in some kind of degree launch the further development of our country commercial bank, has analyzed our country commercial bank's credit risk performance、the origin as well as the credit risk management present situation and the problem specifically, and to solve the problem from two aspects： Financial system and the credit management method.
The method is mainly carries on the method of discussion with the theoretical analysis to the credit risk management, Applying theory to reality; hope that it can provide the model for the bank credit risk management through the research to credit risk condition of our country commercial bank.

Keywords：Commercial bank;credit risk;risk management