【摘要】：我國商業(yè)銀行的資產(chǎn)業(yè)務(wù)結(jié)構(gòu)發(fā)生了一定程度上的改變，存貸比的呈現(xiàn)出一定的下降趨勢，但信貸業(yè)務(wù)占資產(chǎn)業(yè)務(wù)的比例仍然超過60%，在環(huán)境日益復(fù)雜多變的情況下，對銀行信貸風(fēng)險進(jìn)行合理控制對現(xiàn)代商業(yè)銀行的可持續(xù)經(jīng)營具有非常重要的理論與現(xiàn)實意義。本文首先在研究國內(nèi)外學(xué)者關(guān)于財務(wù)風(fēng)險研究的相關(guān)文獻(xiàn)的基礎(chǔ)上，對信貸風(fēng)險研究進(jìn)行了理論分析與概念界定，形成了本文的理論基礎(chǔ)。其次，以JN銀行具有特色的煤炭貿(mào)易企業(yè)授信業(yè)務(wù)為例，，分析了JN銀行的信貸風(fēng)險現(xiàn)狀。對JN銀行的發(fā)展現(xiàn)狀與組織結(jié)構(gòu)做出了總體描述，分析信貸風(fēng)險的種類與特點，并由此歸納出其主要信貸風(fēng)險的來源，并對JN銀行的煤炭貿(mào)易企業(yè)信貸風(fēng)險做出橫向與縱向上的比較分析，指出進(jìn)行信貸風(fēng)險管理的必要性。再次，探討了JN銀行信貸風(fēng)險管理存在的問題，深層次挖掘了現(xiàn)有問題出現(xiàn)的原因。對于上述問題，本文提出了加強信貸風(fēng)險內(nèi)控制度、實行信貸風(fēng)險全程動態(tài)監(jiān)督、明確定位穩(wěn)抓中小客戶等有針對性的建議，以期得出某些對我國商業(yè)銀行乃至整體銀行信貸管理體系構(gòu)建有益的啟示。
[Abstract]:The asset business structure of commercial banks in China has changed to a certain extent, and the ratio of deposit to loan has shown a certain downward trend, but the proportion of credit business in asset business is still more than 60%. In the case of increasingly complex and changeable environment, reasonable control of bank credit risk is of great theoretical and practical significance to the sustainable management of modern commercial banks. First of all, on the basis of studying the relevant literature of domestic and foreign scholars on financial risk research, this paper makes a theoretical analysis and conceptual definition of credit risk research, which forms the theoretical basis of this paper. Secondly, taking the credit business of coal trading enterprises with the characteristics of JN Bank as an example, this paper analyzes the present situation of credit risk of JN Bank. This paper makes an overall description of the development status and organizational structure of JN Bank, analyzes the types and characteristics of credit risk, sums up the main sources of credit risk, makes a horizontal and vertical comparative analysis of the credit risk of coal trading enterprises of JN Bank, and points out the necessity of credit risk management. Thirdly, this paper probes into the problems existing in the credit risk management of JN banks, and deeply excavates the causes of the existing problems. For the above problems, this paper puts forward some targeted suggestions, such as strengthening the internal control system of credit risk, carrying out the dynamic supervision of credit risk in the whole process, clearly positioning and grasping small and medium-sized customers, and so on, in order to get some beneficial enlightenment to the construction of credit management system of commercial banks and even the whole bank of our country.
【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

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