XX银行信贷风险管理研究

发布时间：2018-01-21 23:02

本文关键词： 信贷风险管理商业银行　出处：《天津商业大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着着我国经济的不断增长,金融在我国现代经济中的发挥着越来越核心的作用。商业银行在我国的金融体系当中居于主导地位,明显的显示着我国的经济发展情况。商业银行的信贷风险管理水平直接影响着经济的稳定与发展。因为商业银行利润的主要来源于信贷业务,同时信贷业务也是我国国有商业银行主要的资产业务,所以我国金融风险主要来源于信贷业务,其具体表现为信贷风险有效地、合理地控制信贷风险,才能够促进我国金融体系安全、稳健运行,最终才能实现我国社会主义的发展。从近期来看,中国的商业银行都将会去面对非常严峻的经济形势,以广义方面来讲,美国、欧洲、日本的量化宽松货币政策加大了全球的资金流动,一系列的商品的价格也在不断的增长,既而爆发了全球性的通货膨胀,由于欧洲出现了主权债务危机进而也使欧洲大部分国家开始缩减财政支出,而且因为人民币的升值,出口方面也面临很大的压力;因此,我们首先要做的就是要调整物价,去实施稳健的货币政策,在此基础上,中国的对内投资和消费都会因此而受到限制。狭义的来讲,我国也对国内的经济结构开始进行一系列的调整,开始发展新型的节能环保产业,加大对环境的保护力度,进而来清理政府的融资平台,继续加强对房地产行业的调控力度,一些自身发展不能适应政府政策的高污染企业和实力不够的房地产企业将被淘汰,这样就使得商业银行贷出去的大量款项不能收回,不良贷款的数量也不断增加,商业银行面临的信贷风险将大大增大,所以我国的商业银行去了解去加强信贷风险的管理与防范在其在经营发展中非常重要。这篇文章经过实地的考察,运用了一系列的商业银行信贷风险管理的理论与实际的信贷风险状况相结合的方法,由XX银行的信贷风险管理的现实情况,在更深的一个层次上的分析了XX银行信贷风险管理中出现的很大状况,并针对性的分析本人实际工作中的案例,对XX银行的信贷风险管理提出自己的一些建议。
[Abstract]:With the continuous growth of our economy, finance is playing a more and more central role in our modern economy. Commercial banks play a leading role in the financial system of our country. The level of credit risk management of commercial banks has a direct impact on the stability and development of the economy, because the main source of profits of commercial banks is credit business. At the same time, the credit business is also the main asset business of state-owned commercial banks in China, so the financial risk of our country mainly comes from the credit business, its concrete manifestation is that the credit risk effectively and reasonably controls the credit risk. In order to promote the security and steady operation of our financial system and finally realize the socialist development of our country, the commercial banks of China will face a very severe economic situation in the near future. In a broad sense, the quantitative easing monetary policy of the United States, Europe and Japan has increased the global capital flow, and the prices of a series of commodities are also rising, even with the outbreak of global inflation. As a result of the sovereign debt crisis in Europe, most of the European countries began to reduce their fiscal spending, and because of the appreciation of the RMB, the export side also faced a lot of pressure; Therefore, the first thing we have to do is to adjust prices to implement a prudent monetary policy. On this basis, China's domestic investment and consumption will be restricted. In a narrow sense. China also began to make a series of adjustments to the domestic economic structure, began to develop a new type of energy-saving and environmental protection industry, increase the intensity of environmental protection, and then to clean up the financing platform of the government. Continue to strengthen the regulation and control of the real estate industry, some of its own development can not adapt to government policies of high-pollution enterprises and insufficient strength of real estate enterprises will be eliminated. In this way, a large number of loans from commercial banks can not be recovered, the number of non-performing loans is also increasing, commercial banks will be faced with a large increase in credit risks. Therefore, our commercial banks to understand to strengthen the management and prevention of credit risk in its business development is very important. Using a series of commercial bank credit risk management theory and the actual credit risk situation combination method, by XX bank credit risk management reality situation. In a deeper level of analysis of XX bank credit risk management in the emergence of a large situation, and targeted analysis of the actual work of my case. To XX bank's credit risk management puts forward own some suggestions.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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