【摘要】：商業(yè)銀行在整個社會金融體系中的地位越來越重要,其健康發(fā)展會直接影響到整個國民經(jīng)濟(jì)的穩(wěn)定。在我國,以商業(yè)銀行信貸業(yè)務(wù)為主的間接融資在社會融資結(jié)構(gòu)中處于主導(dǎo)地位,決定了商業(yè)銀行的信貸風(fēng)險成為金融體系的最主要風(fēng)險。近幾年,各大商業(yè)銀行的不良貸款率逐漸升高,暴露了我國商業(yè)銀行在信貸風(fēng)險管理中存在問題。本文選取工商銀行信貸風(fēng)險管理作為研究課題,筆者結(jié)合自身的工作經(jīng)歷,對公司信貸風(fēng)險的管理情況做了研究,分析工商銀行公司信貸風(fēng)險的現(xiàn)狀及存在問題,并對其中存在的問題提出了自己的建議。 本文通過對國內(nèi)外已有的文獻(xiàn)和觀點(diǎn)進(jìn)行梳理,設(shè)計了全文的研究框架,明確了選題背景、研究方法和結(jié)構(gòu)布局,之后主要對商業(yè)銀行信貸風(fēng)險的含義、成因、測量方法和相關(guān)理論進(jìn)行基本闡述,介紹了我國商業(yè)銀行信貸風(fēng)險控制的發(fā)展趨勢,指出了信貸風(fēng)險控制在商業(yè)銀行運(yùn)行中的重要地位。文章分析了工商銀行公司信貸風(fēng)險控制的現(xiàn)狀及問題,結(jié)合數(shù)據(jù)與資產(chǎn)質(zhì)量情況,提出了工商銀行公司信貸風(fēng)險控制存在的問題,并通過對問題的分析與研究,提出了優(yōu)化對策：健全信貸風(fēng)險文化建設(shè)、強(qiáng)化公司信貸風(fēng)險識別能力、規(guī)范公司信貸風(fēng)險流程管理、提高公司信貸內(nèi)部控制能力以及落實公司信貸人員獎勵機(jī)制。 本文主要根據(jù)工商銀行公司信貸風(fēng)險控制情況進(jìn)行研究與分析,對其他商業(yè)銀行的信貸風(fēng)險控制有一定的參考價值,也希望本文提出的優(yōu)化意見能夠?qū)ξ覈虡I(yè)銀行公司信貸風(fēng)險控制帶來一定幫助。
[Abstract]:Commercial banks play a more and more important role in the whole social and financial system, and their healthy development will directly affect the stability of the whole national economy. In China, indirect financing, which is dominated by credit business of commercial banks, plays a dominant role in the social financing structure, which determines that the credit risk of commercial banks becomes the most important risk in the financial system. In recent years, the non-performing loan ratio of the major commercial banks has gradually increased, exposing the problems existing in the credit risk management of the commercial banks in our country. This paper selects the credit risk management of ICBC as a research subject. Combining with my own work experience, the author studies the management of corporate credit risk, and analyzes the current situation and existing problems of the credit risk of ICBC company. And put forward their own suggestions on the existing problems. Through combing the existing domestic and foreign literatures and viewpoints, this paper designs the research framework of the full text, clarifies the selection background, research methods and structural layout, and then mainly on the meaning and cause of the credit risk of commercial banks. This paper introduces the development trend of credit risk control in China's commercial banks, and points out that credit risk control plays an important role in the operation of commercial banks. This paper analyzes the current situation and problems of credit risk control in ICBC Corporation, and puts forward the existing problems in credit risk control in ICBC Corporation based on the data and asset quality, and through the analysis and research of the problems, The optimization countermeasures are put forward, such as perfecting the construction of credit risk culture, strengthening the ability of identifying corporate credit risk, standardizing the management of corporate credit risk process, improving the internal control ability of corporate credit, and implementing the incentive mechanism of corporate credit personnel. This article mainly according to the industrial and commercial bank company credit risk control situation carries on the research and the analysis, has the certain reference value to the other commercial bank credit risk control, I also hope that the optimization suggestions can bring some help to the credit risk control of commercial banks in our country.
【學(xué)位授予單位】：華東師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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