昆山农村商业银行信用风险管理研究

发布时间：2018-04-26 18:39

本文选题：信用风险 + 风险管理　；参考：《南京农业大学》2012年硕士论文

【摘要】：伴随着金融风暴的到来,我国银行业面临着更加变幻莫测的经营环境,金融行业的电子化与国际化步伐不断加快,网上银行应运而生,使得国际金融市场更加开放化与自由化。外部环境的不断变化,为了与国际银行业接轨,我国银行在风险管理方面将面临着严峻的考验。我国金融行业以银行间接融资为主导,贷款收入是商业银行的主要利润来源,从而信贷风险是商业银行需要面对的主要风险。为了更好实现昆山农村商业银行的经营目标,银行需要不断调整自身金融职能,健全经营与管理机制,加强对信贷风险方法的必要性及重要性的认识,将风险方法提高到发展的高度认识,努力防范与化解各种信贷风险,为地区的建设做出更大的贡献。本文从信用风险理论入手,借鉴国内外信用风险管理的先进经验,结合昆山农村商业银行的实际情况,深入分析昆山农村商业银行信贷管理过程中面临的各种信贷风险及成因,并深入剖析风险形成的原因。本文主要从六部分进行分析：第一部分主要介绍了论文研究背景及意义、国内外研究现状、论文研究内容及方法、技术路线等；第二部分为信用风险管理的相关理论,介绍信息不对称理论、信用风险管理的程序等；第三部分为昆山农村商业银行贷款信用风险管理现状与问题分析,主要分析昆山农村商业银行贷款及不良贷款的相关情况；第四部分主要分析昆山农村商业银行贷款存在信用风险的原因,主要从银行体制、贷款技术操作、贷款环境等方面进行分析,并总结原因；第五部分主要阐述国内外商业银行贷款信用风险管理的先进经验,并总结适合昆山农村商业银行的先进技术；第六部分提出完善昆山农村商业银行贷款信用风险管理的对策。
[Abstract]:With the arrival of the financial storm, the banking industry of our country is facing a more unpredictable operating environment, the electronic and international pace of the financial industry is accelerating, and the online banking has emerged as the times require, which makes the international financial market more open and liberalized. With the change of external environment, Chinese banks will face a severe test in risk management in order to keep pace with the international banking industry. China's financial industry is dominated by bank indirect financing, and loan income is the main source of profits for commercial banks, so credit risk is the main risk that commercial banks have to face. In order to better realize the management goal of Kunshan Rural Commercial Bank, banks should constantly adjust their financial functions, perfect the management and management mechanism, and strengthen the understanding of the necessity and importance of credit risk methods. To raise the risk method to the high level of development, to prevent and resolve all kinds of credit risks, and to make greater contribution to the construction of the region. Starting with the theory of credit risk, using the advanced experience of credit risk management at home and abroad for reference and combining with the actual situation of Kunshan rural commercial bank, this paper deeply analyzes the various credit risks and their causes in the course of credit management of Kunshan rural commercial bank. And deeply analyze the causes of the formation of risk. This paper mainly analyzes from six parts: the first part mainly introduces the research background and significance, the domestic and foreign research status, the research content and method, the technical route and so on; the second part is the credit risk management related theory, the second part is the credit risk management related theory, the second part is the credit risk management theory. The third part is the analysis of the current situation and problems of credit risk management of rural commercial banks in Kunshan, which mainly analyzes the related situation of loans and non-performing loans of rural commercial banks in Kunshan. The fourth part mainly analyzes the reasons of credit risk in Kunshan rural commercial bank loan, mainly from the banking system, loan technical operation, loan environment and so on, and summarizes the reasons; The fifth part mainly expounds the advanced experience of domestic and foreign commercial bank loan credit risk management, and summarizes the advanced technology suitable for Kunshan rural commercial bank; the sixth part puts forward the countermeasures to perfect Kunshan rural commercial bank loan credit risk management.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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