本文選題：信用風險 + 風險管理��； 參考：《南京農(nóng)業(yè)大學》2012年碩士論文

【摘要】：伴隨著金融風暴的到來,我國銀行業(yè)面臨著更加變幻莫測的經(jīng)營環(huán)境,金融行業(yè)的電子化與國際化步伐不斷加快,網(wǎng)上銀行應運而生,使得國際金融市場更加開放化與自由化。外部環(huán)境的不斷變化,為了與國際銀行業(yè)接軌,我國銀行在風險管理方面將面臨著嚴峻的考驗。我國金融行業(yè)以銀行間接融資為主導,貸款收入是商業(yè)銀行的主要利潤來源,從而信貸風險是商業(yè)銀行需要面對的主要風險。為了更好實現(xiàn)昆山農(nóng)村商業(yè)銀行的經(jīng)營目標,銀行需要不斷調(diào)整自身金融職能,健全經(jīng)營與管理機制,加強對信貸風險方法的必要性及重要性的認識,將風險方法提高到發(fā)展的高度認識,努力防范與化解各種信貸風險,為地區(qū)的建設做出更大的貢獻。 本文從信用風險理論入手,借鑒國內(nèi)外信用風險管理的先進經(jīng)驗,結(jié)合昆山農(nóng)村商業(yè)銀行的實際情況,深入分析昆山農(nóng)村商業(yè)銀行信貸管理過程中面臨的各種信貸風險及成因,并深入剖析風險形成的原因。 本文主要從六部分進行分析：第一部分主要介紹了論文研究背景及意義、國內(nèi)外研究現(xiàn)狀、論文研究內(nèi)容及方法、技術路線等；第二部分為信用風險管理的相關理論,介紹信息不對稱理論、信用風險管理的程序等；第三部分為昆山農(nóng)村商業(yè)銀行貸款信用風險管理現(xiàn)狀與問題分析,主要分析昆山農(nóng)村商業(yè)銀行貸款及不良貸款的相關情況；第四部分主要分析昆山農(nóng)村商業(yè)銀行貸款存在信用風險的原因,主要從銀行體制、貸款技術操作、貸款環(huán)境等方面進行分析,并總結(jié)原因；第五部分主要闡述國內(nèi)外商業(yè)銀行貸款信用風險管理的先進經(jīng)驗,并總結(jié)適合昆山農(nóng)村商業(yè)銀行的先進技術；第六部分提出完善昆山農(nóng)村商業(yè)銀行貸款信用風險管理的對策。
[Abstract]:With the arrival of the financial storm, the banking industry of our country is facing a more unpredictable operating environment, the electronic and international pace of the financial industry is accelerating, and the online banking has emerged as the times require, which makes the international financial market more open and liberalized. With the change of external environment, Chinese banks will face a severe test in risk management in order to keep pace with the international banking industry. China's financial industry is dominated by bank indirect financing, and loan income is the main source of profits for commercial banks, so credit risk is the main risk that commercial banks have to face. In order to better realize the management goal of Kunshan Rural Commercial Bank, banks should constantly adjust their financial functions, perfect the management and management mechanism, and strengthen the understanding of the necessity and importance of credit risk methods. To raise the risk method to the high level of development, to prevent and resolve all kinds of credit risks, and to make greater contribution to the construction of the region. Starting with the theory of credit risk, using the advanced experience of credit risk management at home and abroad for reference and combining with the actual situation of Kunshan rural commercial bank, this paper deeply analyzes the various credit risks and their causes in the course of credit management of Kunshan rural commercial bank. And deeply analyze the causes of the formation of risk. This paper mainly analyzes from six parts: the first part mainly introduces the research background and significance, the domestic and foreign research status, the research content and method, the technical route and so on; the second part is the credit risk management related theory, the second part is the credit risk management related theory, the second part is the credit risk management theory. The third part is the analysis of the current situation and problems of credit risk management of rural commercial banks in Kunshan, which mainly analyzes the related situation of loans and non-performing loans of rural commercial banks in Kunshan. The fourth part mainly analyzes the reasons of credit risk in Kunshan rural commercial bank loan, mainly from the banking system, loan technical operation, loan environment and so on, and summarizes the reasons; The fifth part mainly expounds the advanced experience of domestic and foreign commercial bank loan credit risk management, and summarizes the advanced technology suitable for Kunshan rural commercial bank; the sixth part puts forward the countermeasures to perfect Kunshan rural commercial bank loan credit risk management.
【學位授予單位】：南京農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.35

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