商业银行对公授信业务中信贷风险管理研究

发布时间：2018-06-23 17:57

本文选题：商业银行 + 对公授信　；参考：《云南大学》2013年硕士论文

【摘要】：对公授信业务是当前我国商业银行的支柱性业务,同时也是商业银行操作风险高发业务之一。对公授信业务操作风险的特点就是,一旦出现操作风险与信用风险的藕合,所造成的信贷资产损失往往远大于纯粹的信用风险。因此,加强商业银行对公授信业务领域的风险防范,提高商业银行对公业务中信贷风险管理水平,对有效降低商业银行的信贷资产损失,改善商业银行的经营状况具有重大意义。信贷风险管理的过程,其实就是对风险进行事前防范、事中控制和事后处理的过程,是商业银行为实现经营目标所建立的一种机制。因此,从我国现实的信贷环境出发,研究探讨商业银行授信业务的风险识别、评估和分析,预测风险发生的可能并采取措施控制客观条件的变化,降低风险发生的概率,这对于保障商业银行稳健运营,促进银行信贷业务的创新和发展,具有十分重要的意义。本文对商业银行对公授信业务中信贷风险管理的现状进行介绍,接着分析了商业银行对公授信业务中信贷风险管理存在的问题,并对产生这些问题的原因进行了分析。针对商业银行对公业务中信贷风险管理存在的问题,提出进一步完善我国商业银行对公业务信贷风险管理的建议。希望本文的研究能为完善我国商业银行对公业务信贷的风险管理制度,降低对公业务中的信贷风险有一定的借鉴意义。
[Abstract]:The business of public credit is the pillar business of commercial banks in our country at present, and it is one of the high risk business of commercial banks at the same time. The operational risk of public credit business is characterized by that once the operational risk and credit risk are coupled, the loss of credit assets is often much larger than that of pure credit risk. Therefore, strengthening the risk prevention of commercial banks in the field of public credit business, raising the level of credit risk management of commercial banks in public business, and effectively reducing the loss of credit assets of commercial banks, It is of great significance to improve the management of commercial banks. The process of credit risk management is actually the process of preventing risks in advance, controlling them and dealing with them afterwards, which is a kind of mechanism established by commercial banks to achieve their business objectives. Therefore, starting from the actual credit environment of our country, this paper studies and discusses the risk identification, evaluation and analysis of the credit business of commercial banks, predicts the possibility of risk occurrence, and takes measures to control the change of objective conditions and reduce the probability of risk occurrence. It is of great significance to ensure the steady operation of commercial banks and promote the innovation and development of bank credit business. This paper introduces the current situation of credit risk management in public credit business of commercial banks, then analyzes the problems existing in credit risk management of commercial banks in public credit business, and analyzes the causes of these problems. Aiming at the problems existing in the credit risk management of commercial banks, the paper puts forward some suggestions on how to improve the credit risk management of commercial banks. It is hoped that the research in this paper can be used for reference in perfecting the risk management system of commercial banks' credit to public business and reducing the credit risk in public business.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】