美国商业银行的破产对中国商业银行信用风险控制的启示

发布时间：2018-05-26 17:18

本文选题：信用风险 + 商业银行　；参考：《山西财经大学》2013年硕士论文

【摘要】：人类社会的发展与信用密切相关，因为有了信用，人类社会才有了商业的繁荣，因为有了信用，才有了时代的发展。从商业信用起步，发展到今天的电子信用，这一过程经历了几百年的历程，但是这几百年的发展与人类几千年的历史相比，影响更加巨大，意义更加深远。但是与信用与生俱来的就是风险。信用的发达程度与风险的高低呈现出明显的正相关。如何在大力发展信用的同时还能够降低风险，是现在学术界和金融界不断研究的课题和难题。银行业起源于地中海沿岸，并且在西方国家的发展拥有着几百年的历史，但是对于风险理论的研究，西方国家依然处于起步期。我们承认，，在西方发达国家，众多金融机构投入了大量的人力、物力和财力不断地开拓风险研究，但是令人遗憾的是，直到20世纪90年，这一领域的发展的成绩依然屈指可数。本文立足于商业银行信用风险的度量和控制，通过实证的方法分析影响信用风险的因素，并据此提出我国商业银行应该引以为戒的地方。同时以规范研究和实证研究相结合，并佐以案例分析和比较分析等方法对信用风险的问题做深入研究。我国的商业银行正在经历着前所未有的改革，拥有者无限的机会，更面临巨大的风险。从美国商业银行破产的案例中，我国的商业银行受益颇多，无论从防范意识还是组织架构，无论从风险识别还是风险度量，都给我们上了深深得一课。我们期待着中国的商业银行能够迎接春天的到来。
[Abstract]:The development of human society is closely related to credit, because with credit, human society has the prosperity of commerce, because of credit, there is the development of the times. From the beginning of commercial credit to the development of electronic credit today, this process has gone through hundreds of years, but the development of this hundreds of years compared with thousands of years of human history, the impact is more enormous, more far-reaching significance. But what is inherent in credit is risk. The degree of credit development and the level of risk show a clear positive correlation. At the same time, how to develop credit and reduce risk is a difficult problem in academic and financial circles. Banking originated from the Mediterranean coast and has a history of hundreds of years in western countries. However, the study of risk theory in western countries is still in its infancy. We recognize that in the western developed countries, many financial institutions have invested a lot of human, material and financial resources to continuously develop risk research, but unfortunately, until the 20th century 90, the achievements in this field are still few. Based on the measurement and control of the credit risk of commercial banks, this paper analyzes the factors affecting credit risk by empirical method, and puts forward the points that our commercial banks should learn from. At the same time, it combines normative research with empirical research, and makes in-depth research on credit risk by case analysis and comparative analysis. China's commercial banks are undergoing unprecedented reform, owners of unlimited opportunities, but also facing huge risks. From the bankruptcy cases of American commercial banks, commercial banks in China have benefited a lot. Whether from the awareness of prevention, organizational structure, risk identification or risk measurement, we have learned a lesson deeply. We look forward to the arrival of spring in China's commercial banks.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F837.12;F832.33

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