本文選題：商業(yè)銀行　切入點(diǎn)：信貸風(fēng)險(xiǎn)　出處：《長(zhǎng)安大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：現(xiàn)階段，銀行業(yè)在我國(guó)金融體系中仍處于主導(dǎo)地位，其主要的收入仍然來(lái)源于傳統(tǒng)的信貸業(yè)務(wù)，所以信貸風(fēng)險(xiǎn)依然是其面臨的主要風(fēng)險(xiǎn)。2006年12月11日，我國(guó)銀行業(yè)對(duì)外全面開(kāi)放，復(fù)雜多變的外部經(jīng)營(yíng)環(huán)境與來(lái)自國(guó)外優(yōu)秀企業(yè)的同臺(tái)競(jìng)爭(zhēng)，對(duì)國(guó)內(nèi)商業(yè)銀行的風(fēng)險(xiǎn)管理技術(shù)和水平提出了極其嚴(yán)峻的挑戰(zhàn)。2008年，美國(guó)次貸危機(jī)爆發(fā)，對(duì)我國(guó)銀行業(yè)造成了很大沖擊，充分暴露了國(guó)內(nèi)銀行業(yè)抵御外部風(fēng)險(xiǎn)的能力較差。而提高銀行的抗風(fēng)險(xiǎn)能力，，最重要的就是提高其進(jìn)行信貸風(fēng)險(xiǎn)管理的能力。所以，面對(duì)紛繁復(fù)雜的經(jīng)濟(jì)環(huán)境和國(guó)內(nèi)外同業(yè)競(jìng)爭(zhēng)，研究影響我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)的宏微觀因素，剖析銀行業(yè)面臨的現(xiàn)實(shí)問(wèn)題及改進(jìn)措施，對(duì)提升我國(guó)商業(yè)銀行的抗風(fēng)險(xiǎn)能力，防范化解金融體系系統(tǒng)性風(fēng)險(xiǎn)，具有深刻的現(xiàn)實(shí)意義。 目前，從理論上看，國(guó)內(nèi)學(xué)者大多從宏觀角度展開(kāi)對(duì)信貸風(fēng)險(xiǎn)管理的研究，而從微觀層面基于個(gè)體行為角度開(kāi)展的研究卻稍顯不足；從實(shí)踐上看，我國(guó)銀行業(yè)信貸風(fēng)險(xiǎn)管理體制嚴(yán)重滯后，信貸風(fēng)險(xiǎn)量化技術(shù)亟待改善，防范和化解信貸風(fēng)險(xiǎn)的水平有待進(jìn)一步提高。本文以風(fēng)險(xiǎn)管理理論為基礎(chǔ)，選擇國(guó)內(nèi)某大型商業(yè)銀行-C行為典型代表，與國(guó)際知名的匯豐銀行進(jìn)行橫向比較，微觀剖析C行在信貸風(fēng)險(xiǎn)管理方面存在的問(wèn)題及其成因，從日常經(jīng)營(yíng)管理的宏微觀層面給出政策建議，并將結(jié)論推廣到國(guó)內(nèi)整個(gè)銀行系統(tǒng)。
[Abstract]:At present, the banking industry is still dominant in the financial system of our country, and its main income still comes from the traditional credit business, so the credit risk is still the main risk it faces. In December 11th 2006, China's banking industry is fully open to the outside world, and the complex and changeable external operating environment competes with the excellent enterprises from abroad, which poses an extremely severe challenge to the risk management technology and level of domestic commercial banks. In 2008, the subprime mortgage crisis broke out in the United States. It has caused a great impact on the banking industry of our country, and has fully exposed the poor ability of domestic banks to resist external risks. The most important thing to improve the ability of banks to resist risks is to improve their ability to manage credit risks. In the face of the complicated economic environment and domestic and international competition, this paper studies the macro and micro factors that affect the credit risk of commercial banks in China, analyzes the practical problems faced by the banks and their improvement measures, and improves the ability of the commercial banks to resist risks in our country. It is of profound practical significance to prevent and defuse systemic risks in the financial system. At present, in theory, most domestic scholars carry out the research on credit risk management from the macro angle, but the research based on individual behavior at the micro level is a little insufficient; from the practical point of view, China's banking credit risk management system lags behind, the quantitative credit risk technology needs to be improved, and the level of preventing and resolving credit risk needs to be further improved. This paper is based on risk management theory. This paper selects a typical representative of a large domestic commercial bank-C, compares it horizontally with the internationally famous HSBC Bank, and microscopically analyzes the problems existing in the credit risk management of Bank C and its causes. The policy suggestions are given from the macro and micro aspects of daily operation and management, and the conclusions are extended to the whole domestic banking system.
【學(xué)位授予單位】：長(zhǎng)安大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33

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