商业银行贷款信用风险管理研究

发布时间：2018-01-04 06:19

本文关键词：商业银行贷款信用风险管理研究　出处：《辽宁师范大学》2015年硕士论文　论文类型：学位论文

【摘要】：银行经营发展离不开商业银行贷款信用风险管理。贷款信用风险管理对有效控制资金流的净流入以及银行贷款发放机制的建设有重要的意义,也有利于商业银行的资本稳定性及长期发展。但我国对于信贷风险管理研究起步还比较晚,不够重视。而如今,随着经济的快速发展,商业银行在发展过程中面临的风险越来越复杂,借鉴2008年美国的“次贷危机”,我国商业银行应加快更新风险管理理念、完善风险管理体系的步伐,同时研究商业银行贷款信用风险管理中存在的问题、原因及解决的措施迫在眉睫。因此,研究商业银行贷款信用风险具有一定的理论意义和现实意义。本文对商业银行贷款信用风险管理进行相关方面的研究。本文主要采用文献研究法与图表分析法,对商业银行贷款信用风险管理进行系统的分析与研究。本文首先介绍了商业银行贷款信用风险的相关理论,然后根据调查列举出我国商业银行贷款信用风险的具体表现,进而找到我国商业银行贷款信用风险管理出现的问题,并分析我国商业银行贷款信用风险管理存在问题的原因,最后提出完善我国商业银行贷款信用风险管理的建议,其中包括完善贷款人管理制度、构建信用评级体系及与高校合作、培养具备理论与实践双重能力的风险管理专业人才等,以期加强商业银行的贷款信用风险的防范与规避,减少贷款信用风险损失。
[Abstract]:Bank management and development can not do without commercial bank loan credit risk management, loan credit risk management for effective control of the net inflow of capital flow and the construction of bank loan issuance mechanism is of great significance. It is also conducive to the capital stability and long-term development of commercial banks. However, the study of credit risk management in China is still relatively late, not enough attention. But now, with the rapid development of the economy. The risks faced by commercial banks in the process of development are becoming more and more complex. Referring to the "subprime mortgage crisis" in the United States in 2008, our commercial banks should quicken the pace of updating the risk management concept and perfecting the risk management system. At the same time to study the commercial bank loan credit risk management problems, causes and solutions are imminent. The study of commercial bank loan credit risk has certain theoretical and practical significance. This paper studies the management of commercial bank loan credit risk. This paper mainly uses the method of literature research and chart analysis. This paper first introduces the theory of loan credit risk of commercial banks. Then, according to the investigation, it lists the concrete performance of the credit risk of our commercial bank loan, and then finds out the problems in the management of the credit risk of the commercial bank loan in our country. Finally, the author puts forward some suggestions to improve the credit risk management of Chinese commercial banks, including the improvement of the lender management system. To construct credit rating system and cooperate with colleges and universities to train professional talents of risk management with the dual ability of theory and practice in order to strengthen the prevention and avoidance of credit risk of commercial banks. Reduce loan credit risk loss.
【学位授予单位】：辽宁师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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