本文選題：商業(yè)銀行 + 對(duì)公授信��； 參考：《云南大學(xué)》2013年碩士論文

【摘要】：對(duì)公授信業(yè)務(wù)是當(dāng)前我國(guó)商業(yè)銀行的支柱性業(yè)務(wù),同時(shí)也是商業(yè)銀行操作風(fēng)險(xiǎn)高發(fā)業(yè)務(wù)之一。對(duì)公授信業(yè)務(wù)操作風(fēng)險(xiǎn)的特點(diǎn)就是,一旦出現(xiàn)操作風(fēng)險(xiǎn)與信用風(fēng)險(xiǎn)的藕合,所造成的信貸資產(chǎn)損失往往遠(yuǎn)大于純粹的信用風(fēng)險(xiǎn)。因此,加強(qiáng)商業(yè)銀行對(duì)公授信業(yè)務(wù)領(lǐng)域的風(fēng)險(xiǎn)防范,提高商業(yè)銀行對(duì)公業(yè)務(wù)中信貸風(fēng)險(xiǎn)管理水平,對(duì)有效降低商業(yè)銀行的信貸資產(chǎn)損失,改善商業(yè)銀行的經(jīng)營(yíng)狀況具有重大意義。 信貸風(fēng)險(xiǎn)管理的過(guò)程,其實(shí)就是對(duì)風(fēng)險(xiǎn)進(jìn)行事前防范、事中控制和事后處理的過(guò)程,是商業(yè)銀行為實(shí)現(xiàn)經(jīng)營(yíng)目標(biāo)所建立的一種機(jī)制。因此,從我國(guó)現(xiàn)實(shí)的信貸環(huán)境出發(fā),研究探討商業(yè)銀行授信業(yè)務(wù)的風(fēng)險(xiǎn)識(shí)別、評(píng)估和分析,預(yù)測(cè)風(fēng)險(xiǎn)發(fā)生的可能并采取措施控制客觀條件的變化,降低風(fēng)險(xiǎn)發(fā)生的概率,這對(duì)于保障商業(yè)銀行穩(wěn)健運(yùn)營(yíng),促進(jìn)銀行信貸業(yè)務(wù)的創(chuàng)新和發(fā)展,具有十分重要的意義。 本文對(duì)商業(yè)銀行對(duì)公授信業(yè)務(wù)中信貸風(fēng)險(xiǎn)管理的現(xiàn)狀進(jìn)行介紹,接著分析了商業(yè)銀行對(duì)公授信業(yè)務(wù)中信貸風(fēng)險(xiǎn)管理存在的問(wèn)題,并對(duì)產(chǎn)生這些問(wèn)題的原因進(jìn)行了分析。針對(duì)商業(yè)銀行對(duì)公業(yè)務(wù)中信貸風(fēng)險(xiǎn)管理存在的問(wèn)題,提出進(jìn)一步完善我國(guó)商業(yè)銀行對(duì)公業(yè)務(wù)信貸風(fēng)險(xiǎn)管理的建議。希望本文的研究能為完善我國(guó)商業(yè)銀行對(duì)公業(yè)務(wù)信貸的風(fēng)險(xiǎn)管理制度,降低對(duì)公業(yè)務(wù)中的信貸風(fēng)險(xiǎn)有一定的借鑒意義。
[Abstract]:The business of public credit is the pillar business of commercial banks in our country at present, and it is one of the high risk business of commercial banks at the same time. The operational risk of public credit business is characterized by that once the operational risk and credit risk are coupled, the loss of credit assets is often much larger than that of pure credit risk. Therefore, strengthening the risk prevention of commercial banks in the field of public credit business, raising the level of credit risk management of commercial banks in public business, and effectively reducing the loss of credit assets of commercial banks, It is of great significance to improve the management of commercial banks. The process of credit risk management is actually the process of preventing risks in advance, controlling them and dealing with them afterwards, which is a kind of mechanism established by commercial banks to achieve their business objectives. Therefore, starting from the actual credit environment of our country, this paper studies and discusses the risk identification, evaluation and analysis of the credit business of commercial banks, predicts the possibility of risk occurrence, and takes measures to control the change of objective conditions and reduce the probability of risk occurrence. It is of great significance to ensure the steady operation of commercial banks and promote the innovation and development of bank credit business. This paper introduces the current situation of credit risk management in public credit business of commercial banks, then analyzes the problems existing in credit risk management of commercial banks in public credit business, and analyzes the causes of these problems. Aiming at the problems existing in the credit risk management of commercial banks, the paper puts forward some suggestions on how to improve the credit risk management of commercial banks. It is hoped that the research in this paper can be used for reference in perfecting the risk management system of commercial banks' credit to public business and reducing the credit risk in public business.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 蘇彤;鄭紅生;;農(nóng)村小額信貸業(yè)商業(yè)化的進(jìn)程、條件及對(duì)策[J];海南金融;2008年03期

2 李萌;Logit模型在商業(yè)銀行信用風(fēng)險(xiǎn)評(píng)估中的應(yīng)用研究[J];管理科學(xué);2005年02期

3 于立勇;商業(yè)銀行信用風(fēng)險(xiǎn)評(píng)估預(yù)測(cè)模型研究[J];管理科學(xué)學(xué)報(bào);2003年05期

4 徐艷;;完善國(guó)內(nèi)商業(yè)銀行授信管理內(nèi)控制度的對(duì)策研究[J];經(jīng)濟(jì)論壇;2007年18期

5 周春喜,任佳慧;商業(yè)銀行信用風(fēng)險(xiǎn)綜合評(píng)價(jià)研究[J];科研管理;2004年02期

6 陳曉紅;張澤京;王傅強(qiáng);;基于KMV模型的我國(guó)中小上市公司信用風(fēng)險(xiǎn)研究[J];數(shù)理統(tǒng)計(jì)與管理;2008年01期

7 張吉光;中國(guó)城市商業(yè)銀行十大發(fā)展特征[J];數(shù)字財(cái)富;2005年01期

8 遲國(guó)泰;許文;孫秀峰;;個(gè)人信用卡信用風(fēng)險(xiǎn)評(píng)價(jià)體系與模型研究[J];同濟(jì)大學(xué)學(xué)報(bào)(自然科學(xué)版);2006年04期

9 歐陽(yáng)邵杰;;基于SWOT分析的我國(guó)小額貸款公司發(fā)展問(wèn)題及建議[J];現(xiàn)代商業(yè);2011年09期

10 張瀛,王浣塵;信用風(fēng)險(xiǎn)管理的發(fā)展及主要新方法[J];系統(tǒng)工程理論方法應(yīng)用;2004年04期

相關(guān)碩士學(xué)位論文 前2條

1 石敬勇;農(nóng)村小額貸款風(fēng)險(xiǎn)控制研究[D];西北大學(xué);2009年

2 周孺淵;我國(guó)小額貸款公司的主要風(fēng)險(xiǎn)研究[D];西南財(cái)經(jīng)大學(xué);2010年

，

本文編號(hào)：2057935