城市商业银行信贷风险管理机制研究

发布时间：2018-01-21 16:17

本文关键词： 城市商业银行信贷风险管理机制　出处：《河北工业大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国商业银行改革不断深入，城市商业银行逐渐崭露头角，并在全国各个城市迅速发展起来。信贷风险管理与商业银行的经营业绩和整体管理水平有着直接关系，是城市商业银行经营管理中极为重要的一部分。近年来，国际银行业屡次出现金融风险事件，我国城市商业银行也受到了极大的影响。为进一步提高我国城市商业银行的信贷风险管理水平，，创新信贷风险管理理念，国内各大城市商业银行对信贷风险管理进行了深入反思和探讨，并基于《巴塞尔新资本协议》中所涉及的银行信贷风险标准，提出了我国城市商业银行信贷风险管理的新思路、新要求，制定了具体的计量标准及技术方法等,但在系统性的机制建设方面尚较落后。本文基于现代银行信贷风险管理理论，综合运用实地调研和案例分析等多种研究方法，利用调研数据对国内多家城市商业银行信贷管理水平进行归纳分析，系统性分析了银行信贷风险管理现状及其成因，同时以ABC城市商业银行为例,对我国城市商业银行在信贷风险管理中存在的共性问题进行了系统性分析，并从系统角度提出了一套适合我国城市商业银行的行之有效的信贷风险管理机制，即必须建立和健全四大信贷风险管理系统：信贷风险测评系统、信贷风险内部控制系统，信贷风险预警系统及信贷风险化解系统。四个子系统间相互联系又相互独立运作，共同组成我国城市商业银行信贷风险管理机制的核心内容。
[Abstract]:With the deepening of the reform of commercial banks in China, urban commercial banks are gradually emerging. Credit risk management has a direct relationship with the performance and overall management level of commercial banks, and is an extremely important part of the management of urban commercial banks in recent years. In order to further improve the level of credit risk management of urban commercial banks in China, the concept of credit risk management is innovated. The commercial banks of major cities in China have carried on the thorough reflection and the discussion to the credit risk management, and based on the bank credit risk standard involved in the Basel New Capital Accord. This paper puts forward new ideas and requirements of credit risk management of urban commercial banks in China, and formulates specific measurement standards and technical methods, but still lags behind in systematic mechanism construction. Based on the modern bank credit risk management theory, this paper synthetically uses the field research and case analysis and other research methods, using survey data to sum up and analyze the credit management level of commercial banks in many cities in China. This paper systematically analyzes the present situation and causes of credit risk management of banks. At the same time, taking ABC city commercial banks as an example, this paper systematically analyzes the common problems existing in credit risk management of urban commercial banks in China. And put forward a set of effective credit risk management mechanism suitable for our country city commercial bank from the system angle, namely must establish and perfect four big credit risk management system: credit risk evaluation system. The internal control system of credit risk, the early warning system of credit risk and the credit risk resolving system. The four subsystems are related to each other and operate independently. The core content of credit risk management mechanism of city commercial banks in our country is formed together.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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