本文選題：信貸集中風(fēng)險(xiǎn)　切入點(diǎn)：經(jīng)濟(jì)資本　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2012年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：我國(guó)銀行業(yè)中信貸集中的現(xiàn)象由來(lái)已久，在2009年極度寬松的貨幣政策之后，這一現(xiàn)象愈加明顯，為商業(yè)銀行信貸集中風(fēng)險(xiǎn)的加深埋下了隱患。信貸集中不但加劇地區(qū)間經(jīng)濟(jì)發(fā)展的不平衡，也易導(dǎo)致銀行放貸中的短視行為，阻礙創(chuàng)新業(yè)務(wù)的開(kāi)展和多元化經(jīng)營(yíng)。信貸風(fēng)險(xiǎn)歷來(lái)是國(guó)內(nèi)銀行業(yè)風(fēng)險(xiǎn)管理的薄弱環(huán)節(jié)，提高信貸集中風(fēng)險(xiǎn)管理水平不但有助于銀行自身的穩(wěn)健經(jīng)營(yíng)和健康成長(zhǎng)，也以良性的信貸體系為導(dǎo)向，促使國(guó)家經(jīng)濟(jì)結(jié)構(gòu)轉(zhuǎn)型的順利實(shí)現(xiàn)。這就凸顯了國(guó)內(nèi)銀行業(yè)加強(qiáng)信貸集中風(fēng)險(xiǎn)管理的必要性和重要性。 文章采用理論分析與實(shí)例分析相結(jié)合的方法，通過(guò)采集十六家不同類(lèi)型銀行的信貸數(shù)據(jù)及信貸集中度監(jiān)管指標(biāo)，結(jié)合HHI指數(shù)的計(jì)算、對(duì)比，分別從對(duì)象、行業(yè)、地域、期限四個(gè)角度，總體和個(gè)體兩個(gè)層面具體分析了國(guó)內(nèi)銀行業(yè)的信貸集中程度及各類(lèi)銀行的集中特點(diǎn)，并聯(lián)系各類(lèi)銀行的發(fā)展背景探討其成因。這也是本文的創(chuàng)新所在。接著，，從監(jiān)管機(jī)構(gòu)和商業(yè)銀行兩個(gè)方面，對(duì)國(guó)內(nèi)銀行業(yè)管理信貸集中風(fēng)險(xiǎn)的方法加以總結(jié)、歸納，說(shuō)明國(guó)內(nèi)銀行業(yè)在風(fēng)險(xiǎn)管理中的不足之處和亟需解決的問(wèn)題，據(jù)此提出合理化建議。 文章以具體數(shù)據(jù)、指標(biāo)的分析結(jié)論為出發(fā)點(diǎn)，論證了我國(guó)銀行業(yè)整體的信貸集中程度不容樂(lè)觀，且對(duì)于信貸集中風(fēng)險(xiǎn)尚處于粗放式管理階段，主要表現(xiàn)為：現(xiàn)階段監(jiān)管制度不夠完善，銀行自身的風(fēng)險(xiǎn)管理水平有待提高。在此基礎(chǔ)上，結(jié)合國(guó)際銀行業(yè)的先進(jìn)經(jīng)驗(yàn)，針對(duì)這兩方面提出了相關(guān)對(duì)策建議。
[Abstract]:The phenomenon of credit concentration in China's banking industry has been around for a long time. After the extremely loose monetary policy in 2009, this phenomenon became even more obvious. It not only increases the imbalance of regional economic development, but also leads to short-sighted behavior in bank lending. Credit risk has always been the weak link of domestic banking risk management. Improving the level of credit concentration risk management is not only conducive to the steady operation and healthy growth of banks themselves. It is also guided by a benign credit system to promote the smooth realization of the transformation of the national economic structure, which highlights the necessity and importance of strengthening the centralized risk management of credit in the domestic banking sector. This paper adopts the method of combining theoretical analysis and case analysis, through collecting credit data and credit concentration index of 16 different types of banks, combining with the calculation of HHI index, contrasting, respectively, from object, industry, region, etc. The paper analyzes the credit concentration degree of domestic banking and the characteristics of all kinds of banks from four angles of maturity, general and individual levels, and probes into the causes of its formation in connection with the development background of all kinds of banks. This is also the innovation of this paper. In this paper, the author summarizes the methods of managing credit concentration risk in domestic banking from the two aspects of supervision institution and commercial bank, summarizes the deficiency of domestic banking in risk management and the problems that need to be solved, and puts forward some reasonable suggestions accordingly. Based on the analysis of specific data and indicators, this paper demonstrates that the credit concentration of China's banking industry is not optimistic, and the risk of credit concentration is still in the stage of extensive management. The main performance is that the supervision system is not perfect at present and the risk management level of banks needs to be improved. On the basis of this, combined with the advanced experience of the international banking industry, this paper puts forward the relevant countermeasures and suggestions in view of these two aspects.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 唐杰,任吉武;小議商業(yè)銀行的信貸集中問(wèn)題[J];財(cái)經(jīng)科學(xué);2002年S2期

2 何光輝;新興市場(chǎng)經(jīng)濟(jì)中銀行監(jiān)管的審慎性要求比較[J];財(cái)經(jīng)論叢(浙江財(cái)經(jīng)學(xué)院學(xué)報(bào));2002年04期

3 徐云;;化解房地產(chǎn)信貸風(fēng)險(xiǎn)需要?jiǎng)?chuàng)新[J];城市開(kāi)發(fā);2007年04期

4 胡新天;商業(yè)銀行信貸集中的博弈分析[J];南方金融;2003年04期

5 李江丁;趙曉媛;;借鑒國(guó)際經(jīng)驗(yàn) 加強(qiáng)商業(yè)地產(chǎn)貸款集中度風(fēng)險(xiǎn)監(jiān)管[J];中國(guó)房地產(chǎn);2007年11期

6 黎四奇;歐盟對(duì)金融集團(tuán)內(nèi)部交易及風(fēng)險(xiǎn)集中的監(jiān)管[J];國(guó)際金融研究;2001年11期

7 張雪蘭;;我國(guó)商業(yè)銀行信貸羊群行為的成因及對(duì)策探討[J];區(qū)域金融研究;2010年05期

8 李紅俠;;商業(yè)銀行貸款集中度風(fēng)險(xiǎn)的計(jì)量模型與實(shí)證研究[J];海南金融;2010年02期

9 何建明;田銀華;張德常;;我國(guó)信貸配給區(qū)域間差異及市場(chǎng)分化模型[J];經(jīng)濟(jì)地理;2007年01期

10 林毅夫,李永軍;中小金融機(jī)構(gòu)發(fā)展與中小企業(yè)融資[J];經(jīng)濟(jì)研究;2001年01期

本文編號(hào)：1594929