本文選題：A商業(yè)銀行 + 信貸風(fēng)險��； 參考：《湖北工業(yè)大學(xué)》2017年碩士論文

【摘要】：商業(yè)銀行不僅是國民經(jīng)濟發(fā)展的主體、社會安康的主體,同時也是支撐著我國經(jīng)濟整體發(fā)展的重要支柱�，F(xiàn)階段,信貸風(fēng)險仍是我國商業(yè)銀行風(fēng)險的重要組成部分。2008年美國“次貸”危機不同程度的打擊了全球經(jīng)濟的發(fā)展,中國也受到嚴重波及和影響。近年來我國進入經(jīng)濟調(diào)整期,在經(jīng)濟新常態(tài)的趨勢,增速見緩,經(jīng)濟環(huán)境進一步下降。國外和國內(nèi)市場形勢日趨嚴峻,控制信貸風(fēng)險,加強信貸管理,成為商業(yè)銀行當(dāng)前急需解決的問題,也是本文研究商業(yè)銀行信貸風(fēng)險管理的必要性。商業(yè)銀行的基礎(chǔ)業(yè)務(wù)是信貸業(yè)務(wù),也是銀行利潤的主要來源。與一般企業(yè)對比,商業(yè)銀行的經(jīng)營有其獨有的特色,它通過高桿杠和資金融通來進行負債經(jīng)營,同時創(chuàng)造利潤。因此高杠桿和負債經(jīng)營帶來的信貸風(fēng)險是商業(yè)銀行的核心風(fēng)險,信貸風(fēng)險管理也是商業(yè)銀行風(fēng)險管理的重中之重。信貸風(fēng)險管理水平的高低,直接決定一家商業(yè)銀行是否盈利。商業(yè),商業(yè)銀行必須建立健全信貸風(fēng)險管理體系,防范內(nèi)外部風(fēng)險,有效降低不良貸款率。本文從商業(yè)銀行的風(fēng)險管理的基本理論入手,借鑒國外先進的信貸風(fēng)險管理理論,把相關(guān)研究理論結(jié)合國內(nèi)商業(yè)銀行的實際,研究了A商業(yè)銀行在實際信貸業(yè)務(wù)中面臨哪些風(fēng)險,分析這些風(fēng)險背后所隱藏的深層次原因,并分析了具體信貸風(fēng)險管理過程中存在哪些問題,最后針對這些問題和原因提出適合A商業(yè)銀行的信貸風(fēng)險管理建議與對策,進一步完善信貸風(fēng)險管理體系。
[Abstract]:Commercial banks are not only the main body of national economic development and the main body of social health, but also the important pillar of supporting the overall economic development of our country. At present, credit risk is still an important part of commercial bank risk in our country. In 2008, the American subprime mortgage crisis hit the development of the global economy in varying degrees, and China was also seriously affected and affected. In recent years, our country enters the economic adjustment period, in the economic new normal trend, the growth rate is slow, the economic environment further drops. The situation of foreign and domestic markets is becoming more and more serious. Controlling credit risk and strengthening credit management are the urgent problems for commercial banks to solve, and it is also the necessity of this paper to study credit risk management of commercial banks. The basic business of commercial bank is credit business and the main source of bank profit. Compared with ordinary enterprises, commercial banks have their own unique characteristics. They operate in debt and create profits by means of high bars and capital financing. Therefore, the credit risk brought by high leverage and debt management is the core risk of commercial banks, and credit risk management is also the most important part of commercial bank risk management. The level of credit risk management directly determines whether a commercial bank is profitable. Commercial and commercial banks must establish and improve the credit risk management system to guard against internal and external risks and effectively reduce the non-performing loan rate. This paper starts with the basic theory of risk management of commercial banks, draws lessons from the advanced credit risk management theory of foreign countries, and combines the relevant research theories with the actual situation of domestic commercial banks. This paper studies what risks A commercial bank faces in its actual credit operations, analyzes the underlying reasons behind these risks, and analyzes the problems in the process of specific credit risk management. Finally, the author puts forward some suggestions and countermeasures for the credit risk management of A commercial bank in order to perfect the credit risk management system.
【學(xué)位授予單位】：湖北工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4

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