本文選題：商業(yè)銀行 + 信貸業(yè)務(wù)風(fēng)險　； 參考：《西南交通大學(xué)》2013年碩士論文

【摘要】：商業(yè)銀行是以吸收存款和發(fā)放貸款作為主要的業(yè)務(wù)的。商業(yè)銀行源于四百年以前,是適應(yīng)經(jīng)濟(jì)社會的發(fā)展要求而產(chǎn)生的。作為社會的主要融資渠道,它為企業(yè)融通資金,優(yōu)化社會經(jīng)濟(jì)資源配置,為社會提供流動性,促進(jìn)了經(jīng)濟(jì)社會的發(fā)展。然而作為特殊的企業(yè),它的經(jīng)營在與其他實體經(jīng)營主體一樣存在著經(jīng)營風(fēng)險和財務(wù)風(fēng)險的同時,也存在著市場風(fēng)險、利率風(fēng)險、操作風(fēng)險、信貸業(yè)務(wù)風(fēng)險等。在各類風(fēng)險中,商業(yè)銀行面臨的最主要的風(fēng)險是信貸業(yè)務(wù)風(fēng)險。 本文以GF銀行為例,針對信貸業(yè)務(wù)的典型案例進(jìn)行剖析,著重對商業(yè)銀行信貸業(yè)務(wù)風(fēng)險的概念、主要內(nèi)容、商業(yè)銀行的信貸業(yè)務(wù)風(fēng)險資產(chǎn)的分類、信貸業(yè)務(wù)風(fēng)險因素、風(fēng)險的特征等的有力分析來全面了解商業(yè)銀行信貸業(yè)務(wù)風(fēng)險。對此,尤其進(jìn)行了信貸業(yè)務(wù)的風(fēng)險分析,深入探究其風(fēng)險成因、對商業(yè)銀行的影響及解決該問題的具體措施。 本文的論點創(chuàng)新在于在對商業(yè)銀行深入探究的基礎(chǔ)上,對國內(nèi)具有代表性的股份制商業(yè)銀行——GF的信貸業(yè)務(wù)風(fēng)險管理的現(xiàn)狀進(jìn)行了分析,在肯定成績的同時,揭示其信貸業(yè)務(wù)風(fēng)險管理存在的問題,剖析了問題的成因,并針對存在的問題,在借鑒國外經(jīng)驗的基礎(chǔ)上,對解決國內(nèi)的商業(yè)銀行信貸風(fēng)險管理問題提出可行的對策,以推動商業(yè)銀行的風(fēng)險意識,努力建立正確科學(xué)的機(jī)制體制使其信貸業(yè)務(wù)的風(fēng)險降至最低,為完善我國以GF銀行為代表的商業(yè)銀行信貸業(yè)務(wù)風(fēng)險研究做出探索和研究。
[Abstract]:Commercial banks take deposits and loans as their main business. Commercial bank originated from 400 years ago, it is to adapt to the development request of economy and society. As the main financing channel of the society, it promotes the development of the economy and society by financing the enterprise, optimizing the allocation of social and economic resources, providing liquidity for the society. However, as a special enterprise, its management has business risk and financial risk as well as market risk, interest rate risk, operation risk, credit business risk and so on. Among all kinds of risks, the most important risk faced by commercial banks is credit risk. Taking GF Bank as an example, this paper analyzes the typical cases of credit business, focusing on the concept, main content, classification of credit business risk assets, credit business risk factors of commercial banks. The characteristics of risk and so on have the strength analysis to understand the commercial bank credit business risk comprehensively. Especially, the risk analysis of credit business is carried out, and the causes of risk, the influence on commercial banks and the concrete measures to solve the problem are discussed. The innovation of this thesis lies in the analysis of the present situation of credit risk management of representative joint-stock commercial banks in China on the basis of deep exploration of commercial banks. This paper reveals the problems existing in the management of credit risk, analyzes the causes of the problems, and puts forward some feasible countermeasures to solve the problems of credit risk management of commercial banks in China on the basis of drawing on the experience of foreign countries. In order to promote the risk awareness of commercial banks and establish a correct and scientific mechanism system to reduce the risk of credit business to the minimum, this paper explores and studies the credit risk research of commercial banks represented by GF Bank in China.
【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2;F832.4

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