本文選題：包商銀行 + 風(fēng)險管理　； 參考：《內(nèi)蒙古大學(xué)》2012年碩士論文

【摘要】：風(fēng)險管理是商業(yè)銀行經(jīng)營管理和可持續(xù)發(fā)展的核心問題,而信用風(fēng)險是商業(yè)銀行最主要的風(fēng)險之一,由于商業(yè)銀行與交易對手之間的信息不對稱,信貸合約的不完全,使得信用風(fēng)險廣泛而客觀存在。我國商業(yè)銀行長期處于高風(fēng)險狀態(tài),近年來,雖通過多種方式和渠道處置了大量不良資產(chǎn),但銀行業(yè)自身尚未從制度、機(jī)制上根本解決新的不良資產(chǎn)產(chǎn)生問題,信用風(fēng)險依然很大。由于商業(yè)銀行信用風(fēng)險管理關(guān)系到銀行體系乃至整個國民經(jīng)濟(jì)穩(wěn)定。因此,加強(qiáng)對信用風(fēng)險的研究具有重要的理論和現(xiàn)實(shí)意義。就總體情況看,我國商業(yè)銀行信用風(fēng)險管理水平與國際大銀行差距很大,信用風(fēng)險手段不足,發(fā)達(dá)國家應(yīng)用已久的信用風(fēng)險計量管理手段在我國還開始不久。 本文介紹了目前為止國內(nèi)外的一些理論成果。總的來說,國外的研究側(cè)重于運(yùn)用模型定量計量,而國內(nèi)則多用定性評估。本文以包商銀行作為樣本分析了其信用風(fēng)險管理情況,并指出其在信用評級、貸款質(zhì)量分類、信息科技系統(tǒng)、信用風(fēng)險管理理念等方面的不足,并依據(jù)問題有針對性地提出了加強(qiáng)信用風(fēng)險管理理念、完善客戶信用評級、完善貸款風(fēng)險分類、建設(shè)信息系統(tǒng)以及加強(qiáng)人才管理等方面提升信用風(fēng)險管理一些建議。
[Abstract]:Risk management is the core problem of commercial bank management and sustainable development, and credit risk is one of the most important risks of commercial bank. Because of the asymmetry of information between commercial bank and counterparty, the credit contract is incomplete. Make credit risk extensive and objective existence. China's commercial banks have been in a high-risk state for a long time. In recent years, although a large number of non-performing assets have been disposed of through various ways and channels, the banking industry itself has not yet solved the problem of the generation of new non-performing assets in terms of system and mechanism. Credit risks remain high. Because the commercial bank credit risk management relates to the banking system and even the entire national economy stability. Therefore, strengthening the study of credit risk has important theoretical and practical significance. On the whole, the level of credit risk management of commercial banks in our country is far from that of big international banks, and the means of credit risk management are not enough, and the measures of credit risk measurement and management that have been used for a long time in developed countries are still beginning in our country. This paper introduces some theoretical achievements at home and abroad. In general, foreign studies focus on the use of model quantitative measurement, while the domestic use of qualitative evaluation. This paper takes the contractor bank as a sample to analyze its credit risk management situation, and points out its shortcomings in credit rating, loan quality classification, information technology system, credit risk management concept and so on. Some suggestions on strengthening credit risk management, perfecting customer credit rating, perfecting loan risk classification, constructing information system and strengthening talent management are put forward.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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本文編號：1884046