【摘要】：越南經(jīng)濟(jì)改革開(kāi)放之后,特別從2007年越南加入世界貿(mào)易組織以來(lái),越南商業(yè)銀行迅速發(fā)展,至今已有20多年的發(fā)展歷史。越南國(guó)內(nèi)現(xiàn)共有5家國(guó)有商業(yè)銀行、37家股份制商業(yè)銀行和其他外國(guó)與合資銀行。在越南的商業(yè)銀行規(guī)模擴(kuò)大的同時(shí),信貸業(yè)務(wù)也不斷擴(kuò)大。銀行信貸擴(kuò)大將給銀行帶來(lái)更多的盈利,但與此同也潛在很多風(fēng)險(xiǎn),因此,本文認(rèn)為健全商業(yè)銀行信貸風(fēng)險(xiǎn)管理系統(tǒng)是越南各家商業(yè)銀行的首要任務(wù)。本文的研究,對(duì)于深刻認(rèn)識(shí)越南商業(yè)銀行信貸風(fēng)險(xiǎn)管理現(xiàn)狀,探討優(yōu)化越南商業(yè)銀行信貸風(fēng)險(xiǎn)管理系統(tǒng)的策略具有重要的現(xiàn)實(shí)意義。本文首先從商業(yè)銀行信貸風(fēng)險(xiǎn)及信貸風(fēng)險(xiǎn)管理的一般理論出發(fā),從理論到實(shí)踐,研究越南商業(yè)銀行信貸風(fēng)險(xiǎn)現(xiàn)狀及其原因;隨后將研究越南商業(yè)銀行信貸風(fēng)險(xiǎn)管理現(xiàn)狀及其存在缺陷,最后為了解決以上目前越南商業(yè)銀行存在的諸如:風(fēng)險(xiǎn)識(shí)別意識(shí)不強(qiáng),大部分沒(méi)有設(shè)立科學(xué)、符合的信貸政策和規(guī)程,銀行貸款監(jiān)察職能不清,以及銀行內(nèi)部管理體制的不完善等問(wèn)題,本文在借鑒國(guó)外先進(jìn)管理的經(jīng)驗(yàn)上,結(jié)合越南商業(yè)銀行的實(shí)際情況,提出政府立法銀行規(guī)避風(fēng)險(xiǎn)、提高銀行風(fēng)險(xiǎn)管理意識(shí)、健全體制提升管理水平、建立風(fēng)險(xiǎn)管理程序、建立風(fēng)險(xiǎn)識(shí)別評(píng)估體系等方面的建議和對(duì)策。
[Abstract]:Since Vietnam's economic reform and opening up, especially since Vietnam joined the World Trade Organization in 2007, Vietnam commercial bank has developed rapidly and has been developing for more than 20 years. There are 5 state-owned commercial banks in Vietnam, 37 joint-stock commercial banks and other foreign and joint venture banks. The expansion of credit business is also expanding. The expansion of bank credit will bring more profit to the bank, but there are many potential risks. Therefore, this paper thinks that it is the primary task of the Vietnamese commercial banks to improve the credit risk management system of commercial banks. It is of great practical significance to discuss the strategy of optimizing the credit risk management system of Vietnam commercial bank. First, from the general theory of credit risk and credit risk management of commercial banks, this paper studies the current situation and reasons of the credit risk of Vietnam commercial bank from theory to practice. At last, in order to solve the problems existing in the current Vietnamese commercial banks, such as the lack of awareness of risk identification, most of the credit policies and regulations that have not been set up, the supervision function of the bank loan is not clear, and the internal management system of the bank is not perfect, this article is based on the experience of advanced foreign management. According to the actual situation of Vietnam commercial bank, it puts forward some suggestions and Countermeasures to avoid risk, improve the risk management consciousness of the bank, improve the management level of the system, establish the risk management procedure, and establish the risk identification and evaluation system.
【學(xué)位授予單位】：重慶師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F831.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前3條

1 楊秀云;蔣園園;段珍珍;;KMV模型在我國(guó)商業(yè)銀行信用風(fēng)險(xiǎn)管理中的適用性分析及實(shí)證檢驗(yàn)[J];財(cái)經(jīng)理論與實(shí)踐;2016年01期

2 王蕊;;財(cái)務(wù)危機(jī)預(yù)警系統(tǒng)在商業(yè)銀行信貸風(fēng)險(xiǎn)管理中的應(yīng)用[J];商業(yè)經(jīng)濟(jì);2014年09期

3 馮建友;;現(xiàn)代信用風(fēng)險(xiǎn)管理的特征及其發(fā)展[J];西部論叢;2006年03期

，

本文編號(hào)：2127475