A商业银行信贷风险管理研究

发布时间：2018-06-19 01:49

本文选题：A商业银行 + 信贷风险　；参考：《湖北工业大学》2017年硕士论文

【摘要】：商业银行不仅是国民经济发展的主体、社会安康的主体,同时也是支撑着我国经济整体发展的重要支柱。现阶段,信贷风险仍是我国商业银行风险的重要组成部分。2008年美国“次贷”危机不同程度的打击了全球经济的发展,中国也受到严重波及和影响。近年来我国进入经济调整期,在经济新常态的趋势,增速见缓,经济环境进一步下降。国外和国内市场形势日趋严峻,控制信贷风险,加强信贷管理,成为商业银行当前急需解决的问题,也是本文研究商业银行信贷风险管理的必要性。商业银行的基础业务是信贷业务,也是银行利润的主要来源。与一般企业对比,商业银行的经营有其独有的特色,它通过高杆杠和资金融通来进行负债经营,同时创造利润。因此高杠杆和负债经营带来的信贷风险是商业银行的核心风险,信贷风险管理也是商业银行风险管理的重中之重。信贷风险管理水平的高低,直接决定一家商业银行是否盈利。商业,商业银行必须建立健全信贷风险管理体系,防范内外部风险,有效降低不良贷款率。本文从商业银行的风险管理的基本理论入手,借鉴国外先进的信贷风险管理理论,把相关研究理论结合国内商业银行的实际,研究了A商业银行在实际信贷业务中面临哪些风险,分析这些风险背后所隐藏的深层次原因,并分析了具体信贷风险管理过程中存在哪些问题,最后针对这些问题和原因提出适合A商业银行的信贷风险管理建议与对策,进一步完善信贷风险管理体系。
[Abstract]:Commercial banks are not only the main body of national economic development and the main body of social health, but also the important pillar of supporting the overall economic development of our country. At present, credit risk is still an important part of commercial bank risk in our country. In 2008, the American subprime mortgage crisis hit the development of the global economy in varying degrees, and China was also seriously affected and affected. In recent years, our country enters the economic adjustment period, in the economic new normal trend, the growth rate is slow, the economic environment further drops. The situation of foreign and domestic markets is becoming more and more serious. Controlling credit risk and strengthening credit management are the urgent problems for commercial banks to solve, and it is also the necessity of this paper to study credit risk management of commercial banks. The basic business of commercial bank is credit business and the main source of bank profit. Compared with ordinary enterprises, commercial banks have their own unique characteristics. They operate in debt and create profits by means of high bars and capital financing. Therefore, the credit risk brought by high leverage and debt management is the core risk of commercial banks, and credit risk management is also the most important part of commercial bank risk management. The level of credit risk management directly determines whether a commercial bank is profitable. Commercial and commercial banks must establish and improve the credit risk management system to guard against internal and external risks and effectively reduce the non-performing loan rate. This paper starts with the basic theory of risk management of commercial banks, draws lessons from the advanced credit risk management theory of foreign countries, and combines the relevant research theories with the actual situation of domestic commercial banks. This paper studies what risks A commercial bank faces in its actual credit operations, analyzes the underlying reasons behind these risks, and analyzes the problems in the process of specific credit risk management. Finally, the author puts forward some suggestions and countermeasures for the credit risk management of A commercial bank in order to perfect the credit risk management system.
【学位授予单位】：湖北工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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