本文關(guān)鍵詞： 城市商業(yè)銀行 信貸風(fēng)險(xiǎn) 管理機(jī)制　出處：《河北工業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著我國商業(yè)銀行改革不斷深入，城市商業(yè)銀行逐漸嶄露頭角，并在全國各個城市迅速發(fā)展起來。信貸風(fēng)險(xiǎn)管理與商業(yè)銀行的經(jīng)營業(yè)績和整體管理水平有著直接關(guān)系，是城市商業(yè)銀行經(jīng)營管理中極為重要的一部分。近年來，國際銀行業(yè)屢次出現(xiàn)金融風(fēng)險(xiǎn)事件，我國城市商業(yè)銀行也受到了極大的影響。為進(jìn)一步提高我國城市商業(yè)銀行的信貸風(fēng)險(xiǎn)管理水平，，創(chuàng)新信貸風(fēng)險(xiǎn)管理理念，國內(nèi)各大城市商業(yè)銀行對信貸風(fēng)險(xiǎn)管理進(jìn)行了深入反思和探討，并基于《巴塞爾新資本協(xié)議》中所涉及的銀行信貸風(fēng)險(xiǎn)標(biāo)準(zhǔn)，提出了我國城市商業(yè)銀行信貸風(fēng)險(xiǎn)管理的新思路、新要求，制定了具體的計(jì)量標(biāo)準(zhǔn)及技術(shù)方法等,但在系統(tǒng)性的機(jī)制建設(shè)方面尚較落后。 本文基于現(xiàn)代銀行信貸風(fēng)險(xiǎn)管理理論，綜合運(yùn)用實(shí)地調(diào)研和案例分析等多種研究方法，利用調(diào)研數(shù)據(jù)對國內(nèi)多家城市商業(yè)銀行信貸管理水平進(jìn)行歸納分析，系統(tǒng)性分析了銀行信貸風(fēng)險(xiǎn)管理現(xiàn)狀及其成因，同時以ABC城市商業(yè)銀行為例,對我國城市商業(yè)銀行在信貸風(fēng)險(xiǎn)管理中存在的共性問題進(jìn)行了系統(tǒng)性分析，并從系統(tǒng)角度提出了一套適合我國城市商業(yè)銀行的行之有效的信貸風(fēng)險(xiǎn)管理機(jī)制，即必須建立和健全四大信貸風(fēng)險(xiǎn)管理系統(tǒng)：信貸風(fēng)險(xiǎn)測評系統(tǒng)、信貸風(fēng)險(xiǎn)內(nèi)部控制系統(tǒng)，信貸風(fēng)險(xiǎn)預(yù)警系統(tǒng)及信貸風(fēng)險(xiǎn)化解系統(tǒng)。四個子系統(tǒng)間相互聯(lián)系又相互獨(dú)立運(yùn)作，共同組成我國城市商業(yè)銀行信貸風(fēng)險(xiǎn)管理機(jī)制的核心內(nèi)容。
[Abstract]:With the deepening of the reform of commercial banks in China, urban commercial banks are gradually emerging. Credit risk management has a direct relationship with the performance and overall management level of commercial banks, and is an extremely important part of the management of urban commercial banks in recent years. In order to further improve the level of credit risk management of urban commercial banks in China, the concept of credit risk management is innovated. The commercial banks of major cities in China have carried on the thorough reflection and the discussion to the credit risk management, and based on the bank credit risk standard involved in the Basel New Capital Accord. This paper puts forward new ideas and requirements of credit risk management of urban commercial banks in China, and formulates specific measurement standards and technical methods, but still lags behind in systematic mechanism construction. Based on the modern bank credit risk management theory, this paper synthetically uses the field research and case analysis and other research methods, using survey data to sum up and analyze the credit management level of commercial banks in many cities in China. This paper systematically analyzes the present situation and causes of credit risk management of banks. At the same time, taking ABC city commercial banks as an example, this paper systematically analyzes the common problems existing in credit risk management of urban commercial banks in China. And put forward a set of effective credit risk management mechanism suitable for our country city commercial bank from the system angle, namely must establish and perfect four big credit risk management system: credit risk evaluation system. The internal control system of credit risk, the early warning system of credit risk and the credit risk resolving system. The four subsystems are related to each other and operate independently. The core content of credit risk management mechanism of city commercial banks in our country is formed together.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 嚴(yán)浩坤;;我國商業(yè)銀行信貸風(fēng)險(xiǎn)現(xiàn)狀分析[J];生產(chǎn)力研究;2008年15期

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