商业银行信贷风险及其防范措施
发布时间:2018-01-05 03:16
本文关键词:商业银行信贷风险及其防范措施 出处:《首都经济贸易大学》2017年硕士论文 论文类型:学位论文
【摘要】:当今互联网技术高速发展,市场竞争愈发激烈,给商业银行带来了新的发展机遇。但同时,国内外经济环境复杂多变,央行的货币政策在市场经济环境中变幻莫测,并且未来的不乐观的经济形势使得商业银行发展面临很大的外部压力,这其中存在着很大的不确定性。商业银行作为高风险产业,经营风险在不断上升,金融案件也呈现高发态势,外部欺诈及内部员工道德风险相互叠加,对金融秩序构成极大威胁。在我国金融系统中,银行业发挥着其重要的主导作用;在商业银行中,信贷业务扮演着中至关重要的角色,其收入为银行的重要收入来源,而信贷业务带来收入,同时带来了信贷风险,信贷风险已成为商业银行经营活动中的不可控风险。因此,如何识别信贷风险,并进行分析与评估,而后采取相应措施保证其处于惰性状态,降低风险的影响力是十分关键的。本文首先归纳了国内外学者对商业银行信贷风险的理论研究,然后根据具体事例,对商业银行信贷风险的产生因素、活动特点、预防及相关预防措施进行研究。本文通过“提出问题、分析问题、解决问题”的清晰思路,对商业银行信贷业务的潜在风险进行挖掘,为信贷风险提出可行的防范方案,可为商业银行在信贷风险防范与管控方面提供有效的参考意见。
[Abstract]:The rapid development of Internet technology, the market competition is increasingly intense, has brought new development opportunities for the commercial banks. But at the same time, complex domestic and international economic environment, the central bank's monetary policy change unpredictably in the market economic environment, and the economic situation is not optimistic about the future development of commercial banks makes faces great external pressure, in which there are great uncertainty. Commercial bank is a high risk industry, business risk on the rise, the financial case also showed high trend, external fraud and internal staff moral hazard are superimposed on each other, pose a great threat to the financial order. In China's financial system, the banking industry plays an important leading role; in the commercial bank. Credit business plays a vital role, its income is an important source of income of the bank, and credit business revenue, and brought a letter of credit risk Credit risk has become the business activities of commercial banks is not controllable risk. Therefore, how to identify the credit risk, and carries on the analysis and evaluation, and then take appropriate measures to ensure it is in an inert state to reduce the risk, the influence is very important. This paper summarizes the theoretical research on the credit risk of commercial banks at home and abroad, then according to the specific examples of the commercial bank credit risk factors, activity characteristics, prevention research and relevant preventive measures. Through "raise problems, analyze problems, clear ideas to solve the problem of" the potential risk for commercial bank credit business mining, put forward prevention scheme for credit risk for commercial banks to provide the effective reference for the prevention and control of credit risk.
【学位授予单位】:首都经济贸易大学
【学位级别】:硕士
【学位授予年份】:2017
【分类号】:F832.4
【参考文献】
相关期刊论文 前7条
1 文建东;宋斌;;供给侧结构性改革:经济发展的必然选择[J];新疆师范大学学报(哲学社会科学版);2016年02期
2 邵宇;;供给侧改革——新常态下的中国经济增长[J];新金融;2015年12期
3 唐兴国;刘艺哲;;银行贷款竞争对金融稳定的影响——基于贷款利率市场化的实证研究[J];金融经济学研究;2014年01期
4 尹雷;赫国胜;;利率市场化、金融监管与银行危机[J];金融论坛;2013年11期
5 王恕;;解析银行不良资产与金融资产的管理[J];金融经济;2013年04期
6 潘学模;蒋圣丹;;银行内部控制与财务预警结合运用之理论探讨[J];会计之友;2011年20期
7 刘霄仑;;风险控制理论的再思考:基于对COSO内部控制理念的分析[J];会计研究;2010年03期
相关硕士学位论文 前1条
1 贾锐;商业银行风险管理及防范问题研究[D];河南大学;2012年
,本文编号:1381324
本文链接:https://www.wllwen.com/jingjilunwen/touziyanjiulunwen/1381324.html