發(fā)布時(shí)間：2018-05-18 10:22

  本文選題：ICQ銀行 + 商業(yè)銀行�。� 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：進(jìn)入21世紀(jì)以來,經(jīng)濟(jì)全球化的步伐加快,金融市場持續(xù)繁榮。在我國加入WTO的這十幾年中,國內(nèi)金融市場逐步對外開放,大批國外商業(yè)銀行相繼進(jìn)駐中國市場。這些外部環(huán)境的變化對我國商業(yè)銀行本來就脆弱的風(fēng)險(xiǎn)管理體制形成了巨大的沖擊。相對于西方國家來說,我國商業(yè)銀行總體起步較晚,銀行的管理結(jié)構(gòu)、體系并不完善,對于信用風(fēng)險(xiǎn)的認(rèn)識也不全面,信用風(fēng)險(xiǎn)管理意識相對缺乏,信用風(fēng)險(xiǎn)防范工具并不完善。此外,新巴塞爾資本協(xié)議的出臺進(jìn)一步增加了我國商業(yè)銀行管理信用風(fēng)險(xiǎn)的難度。 近年來,信用風(fēng)險(xiǎn)管理已經(jīng)引起我國商業(yè)銀行的重視。越來越多的商業(yè)銀行致力于經(jīng)營管理體制的不斷改革,以確保商業(yè)銀行的資產(chǎn)安全和健康發(fā)展。與此同時(shí),我們也應(yīng)該明白,信用風(fēng)險(xiǎn)管理的提高不是一朝一夕的事情,不能紙上談兵。目前,我國商業(yè)銀行的信用風(fēng)險(xiǎn)管理水平還很落后,依舊存在著各種各樣的問題�？傮w來講,國內(nèi)商業(yè)銀行在同西方商業(yè)銀行的競爭交鋒中仍處于十分不利的地位。 本文首先對國內(nèi)外信用風(fēng)險(xiǎn)管理方面的相關(guān)理論進(jìn)行概述。然后深入分析了國內(nèi)商業(yè)銀行信用風(fēng)險(xiǎn)管理的現(xiàn)狀及產(chǎn)生緣由。文章對ICQ銀行成都分行在信用風(fēng)險(xiǎn)管理所面臨的問題、制約因素等進(jìn)行了深入的剖析。作者力求尋找可以進(jìn)一步改進(jìn)ICQ銀行成都分行信用風(fēng)險(xiǎn)管理問題的新措施,同時(shí)也為我國商業(yè)銀行信用風(fēng)險(xiǎn)管理的改善建言獻(xiàn)策。 本論文分六章進(jìn)行論述： 第一章：前言。本章主要介紹了論文的研究背景及選題的現(xiàn)實(shí)意義。并對本文的研究思路、研究方法以及論文框架作了簡要介紹。 第二章：理論基礎(chǔ)與文獻(xiàn)綜述。本章首先概述了信用風(fēng)險(xiǎn)管理的相關(guān)基本概念。然后,歸納了國內(nèi)外學(xué)者關(guān)于信用風(fēng)險(xiǎn)管理方面的理論研究成果。最后總結(jié)了信用風(fēng)險(xiǎn)產(chǎn)生的原因及其特點(diǎn)。 第三章：我國商業(yè)銀行信用風(fēng)險(xiǎn)管理的現(xiàn)狀。作者指出了國內(nèi)商業(yè)銀行在信用風(fēng)險(xiǎn)管理過程中所陷入的困境,并對目前商業(yè)銀行風(fēng)險(xiǎn)管理中采用的解決方法和具體實(shí)踐進(jìn)行探討。 第四章：ICQ銀行成都分行信用風(fēng)險(xiǎn)現(xiàn)狀分析。本章首先對ICQ銀行成都分行的概況進(jìn)行簡要介紹,并在此基礎(chǔ)上,深入地剖析了ICQ銀行成都分行信用風(fēng)險(xiǎn)管理存在的問題。 第五章：ICQ銀行成都分行信用風(fēng)險(xiǎn)管理改進(jìn)措施。作者在本章中為提升ICQ銀行成都分行的危機(jī)應(yīng)對能力,提出了一些具體的改進(jìn)措施 第六章是結(jié)束語。總結(jié)了論文的研究工作,并對未來研究進(jìn)行了展望。
[Abstract]:Since entering the 21 st century, the pace of economic globalization has accelerated, and the financial market has continued to flourish. In the more than ten years after China's entry into WTO, the domestic financial market has gradually opened to the outside world, and a large number of foreign commercial banks have entered the Chinese market one after another. These changes in the external environment have had a great impact on the fragile risk management system of commercial banks in China. Compared with the western countries, the commercial banks in our country generally started relatively late, the management structure of the banks, the system is not perfect, the understanding of the credit risk is not comprehensive, and the awareness of the management of the credit risk is relatively lacking. Credit risk prevention tools are not perfect. In addition, the introduction of New Basel Capital Accord has further increased the difficulty of credit risk management by commercial banks in China. In recent years, credit risk management has attracted the attention of Chinese commercial banks. More and more commercial banks are committed to the continuous reform of the management system to ensure the safety and healthy development of the assets of commercial banks. At the same time, we should also understand that the improvement of credit risk management is not a day-by-night thing. At present, the level of credit risk management of commercial banks in China is still very backward, there are still various problems. Generally speaking, domestic commercial banks are still in a very disadvantageous position in the competition with western commercial banks. This paper first summarizes the related theories of credit risk management at home and abroad. Then it analyzes the current situation and causes of credit risk management of domestic commercial banks. This paper analyzes the problems and restrictive factors of credit risk management in Chengdu Branch of ICQ Bank. The author tries to find new measures to further improve the credit risk management of Chengdu Branch of ICQ Bank, and at the same time to provide suggestions for the improvement of credit risk management of commercial banks in China. This paper is divided into six chapters: Chapter one: preface. This chapter mainly introduces the research background of the thesis and the practical significance of the topic. The research ideas, research methods and the framework of this paper are briefly introduced. Chapter two: theoretical basis and literature review. This chapter first summarizes the credit risk management related basic concepts. Then, summarized the domestic and foreign scholars about the credit risk management theory research achievement. Finally, the causes and characteristics of credit risk are summarized. Chapter three: the present situation of credit risk management of commercial banks in China. The author points out the dilemma that domestic commercial banks fall into in the process of credit risk management, and probes into the solutions and concrete practices used in the risk management of commercial banks at present. Chapter four analyzes the current situation of credit risk in Chengdu Branch of ICQ Bank. In this chapter, the general situation of Chengdu Branch of ICQ Bank is briefly introduced, and on the basis of this, the problems of credit risk management in Chengdu Branch of ICQ Bank are deeply analyzed. Chapter five: measures to improve Credit risk Management of Chengdu Branch of ICQ Bank. In this chapter, the author puts forward some concrete measures to improve the crisis response ability of Chengdu Branch of ICQ Bank. The sixth chapter is the conclusion. The research work of this paper is summarized, and the future research is prospected.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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