本文關(guān)鍵詞：商業(yè)銀行信貸風(fēng)險(xiǎn)及其防范措施　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：當(dāng)今互聯(lián)網(wǎng)技術(shù)高速發(fā)展,市場(chǎng)競(jìng)爭(zhēng)愈發(fā)激烈,給商業(yè)銀行帶來(lái)了新的發(fā)展機(jī)遇。但同時(shí),國(guó)內(nèi)外經(jīng)濟(jì)環(huán)境復(fù)雜多變,央行的貨幣政策在市場(chǎng)經(jīng)濟(jì)環(huán)境中變幻莫測(cè),并且未來(lái)的不樂(lè)觀的經(jīng)濟(jì)形勢(shì)使得商業(yè)銀行發(fā)展面臨很大的外部壓力,這其中存在著很大的不確定性。商業(yè)銀行作為高風(fēng)險(xiǎn)產(chǎn)業(yè),經(jīng)營(yíng)風(fēng)險(xiǎn)在不斷上升,金融案件也呈現(xiàn)高發(fā)態(tài)勢(shì),外部欺詐及內(nèi)部員工道德風(fēng)險(xiǎn)相互疊加,對(duì)金融秩序構(gòu)成極大威脅。在我國(guó)金融系統(tǒng)中,銀行業(yè)發(fā)揮著其重要的主導(dǎo)作用;在商業(yè)銀行中,信貸業(yè)務(wù)扮演著中至關(guān)重要的角色,其收入為銀行的重要收入來(lái)源,而信貸業(yè)務(wù)帶來(lái)收入,同時(shí)帶來(lái)了信貸風(fēng)險(xiǎn),信貸風(fēng)險(xiǎn)已成為商業(yè)銀行經(jīng)營(yíng)活動(dòng)中的不可控風(fēng)險(xiǎn)。因此,如何識(shí)別信貸風(fēng)險(xiǎn),并進(jìn)行分析與評(píng)估,而后采取相應(yīng)措施保證其處于惰性狀態(tài),降低風(fēng)險(xiǎn)的影響力是十分關(guān)鍵的。本文首先歸納了國(guó)內(nèi)外學(xué)者對(duì)商業(yè)銀行信貸風(fēng)險(xiǎn)的理論研究,然后根據(jù)具體事例,對(duì)商業(yè)銀行信貸風(fēng)險(xiǎn)的產(chǎn)生因素、活動(dòng)特點(diǎn)、預(yù)防及相關(guān)預(yù)防措施進(jìn)行研究。本文通過(guò)“提出問(wèn)題、分析問(wèn)題、解決問(wèn)題”的清晰思路,對(duì)商業(yè)銀行信貸業(yè)務(wù)的潛在風(fēng)險(xiǎn)進(jìn)行挖掘,為信貸風(fēng)險(xiǎn)提出可行的防范方案,可為商業(yè)銀行在信貸風(fēng)險(xiǎn)防范與管控方面提供有效的參考意見(jiàn)。
[Abstract]:The rapid development of Internet technology, the market competition is increasingly intense, has brought new development opportunities for the commercial banks. But at the same time, complex domestic and international economic environment, the central bank's monetary policy change unpredictably in the market economic environment, and the economic situation is not optimistic about the future development of commercial banks makes faces great external pressure, in which there are great uncertainty. Commercial bank is a high risk industry, business risk on the rise, the financial case also showed high trend, external fraud and internal staff moral hazard are superimposed on each other, pose a great threat to the financial order. In China's financial system, the banking industry plays an important leading role; in the commercial bank. Credit business plays a vital role, its income is an important source of income of the bank, and credit business revenue, and brought a letter of credit risk Credit risk has become the business activities of commercial banks is not controllable risk. Therefore, how to identify the credit risk, and carries on the analysis and evaluation, and then take appropriate measures to ensure it is in an inert state to reduce the risk, the influence is very important. This paper summarizes the theoretical research on the credit risk of commercial banks at home and abroad, then according to the specific examples of the commercial bank credit risk factors, activity characteristics, prevention research and relevant preventive measures. Through "raise problems, analyze problems, clear ideas to solve the problem of" the potential risk for commercial bank credit business mining, put forward prevention scheme for credit risk for commercial banks to provide the effective reference for the prevention and control of credit risk.

【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】：2017
【分類(lèi)號(hào)】：F832.4

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