本文關(guān)鍵詞： 信貸 風(fēng)險(xiǎn)管理 商業(yè)銀行　出處：《天津商業(yè)大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著著我國經(jīng)濟(jì)的不斷增長,金融在我國現(xiàn)代經(jīng)濟(jì)中的發(fā)揮著越來越核心的作用。商業(yè)銀行在我國的金融體系當(dāng)中居于主導(dǎo)地位,明顯的顯示著我國的經(jīng)濟(jì)發(fā)展情況。商業(yè)銀行的信貸風(fēng)險(xiǎn)管理水平直接影響著經(jīng)濟(jì)的穩(wěn)定與發(fā)展。因?yàn)樯虡I(yè)銀行利潤的主要來源于信貸業(yè)務(wù),同時(shí)信貸業(yè)務(wù)也是我國國有商業(yè)銀行主要的資產(chǎn)業(yè)務(wù),所以我國金融風(fēng)險(xiǎn)主要來源于信貸業(yè)務(wù),其具體表現(xiàn)為信貸風(fēng)險(xiǎn)有效地、合理地控制信貸風(fēng)險(xiǎn),才能夠促進(jìn)我國金融體系安全、穩(wěn)健運(yùn)行,最終才能實(shí)現(xiàn)我國社會(huì)主義的發(fā)展。從近期來看,中國的商業(yè)銀行都將會(huì)去面對非常嚴(yán)峻的經(jīng)濟(jì)形勢,以廣義方面來講,美國、歐洲、日本的量化寬松貨幣政策加大了全球的資金流動(dòng),一系列的商品的價(jià)格也在不斷的增長,既而爆發(fā)了全球性的通貨膨脹,由于歐洲出現(xiàn)了主權(quán)債務(wù)危機(jī)進(jìn)而也使歐洲大部分國家開始縮減財(cái)政支出,而且因?yàn)槿嗣駧诺纳?出口方面也面臨很大的壓力;因此,我們首先要做的就是要調(diào)整物價(jià),去實(shí)施穩(wěn)健的貨幣政策,在此基礎(chǔ)上,中國的對內(nèi)投資和消費(fèi)都會(huì)因此而受到限制。狹義的來講,我國也對國內(nèi)的經(jīng)濟(jì)結(jié)構(gòu)開始進(jìn)行一系列的調(diào)整,開始發(fā)展新型的節(jié)能環(huán)保產(chǎn)業(yè),加大對環(huán)境的保護(hù)力度,進(jìn)而來清理政府的融資平臺(tái),繼續(xù)加強(qiáng)對房地產(chǎn)行業(yè)的調(diào)控力度,一些自身發(fā)展不能適應(yīng)政府政策的高污染企業(yè)和實(shí)力不夠的房地產(chǎn)企業(yè)將被淘汰,這樣就使得商業(yè)銀行貸出去的大量款項(xiàng)不能收回,不良貸款的數(shù)量也不斷增加,商業(yè)銀行面臨的信貸風(fēng)險(xiǎn)將大大增大,所以我國的商業(yè)銀行去了解去加強(qiáng)信貸風(fēng)險(xiǎn)的管理與防范在其在經(jīng)營發(fā)展中非常重要。這篇文章經(jīng)過實(shí)地的考察,運(yùn)用了一系列的商業(yè)銀行信貸風(fēng)險(xiǎn)管理的理論與實(shí)際的信貸風(fēng)險(xiǎn)狀況相結(jié)合的方法,由XX銀行的信貸風(fēng)險(xiǎn)管理的現(xiàn)實(shí)情況,在更深的一個(gè)層次上的分析了XX銀行信貸風(fēng)險(xiǎn)管理中出現(xiàn)的很大狀況,并針對性的分析本人實(shí)際工作中的案例,對XX銀行的信貸風(fēng)險(xiǎn)管理提出自己的一些建議。
[Abstract]:With the continuous growth of our economy, finance is playing a more and more central role in our modern economy. Commercial banks play a leading role in the financial system of our country. The level of credit risk management of commercial banks has a direct impact on the stability and development of the economy, because the main source of profits of commercial banks is credit business. At the same time, the credit business is also the main asset business of state-owned commercial banks in China, so the financial risk of our country mainly comes from the credit business, its concrete manifestation is that the credit risk effectively and reasonably controls the credit risk. In order to promote the security and steady operation of our financial system and finally realize the socialist development of our country, the commercial banks of China will face a very severe economic situation in the near future. In a broad sense, the quantitative easing monetary policy of the United States, Europe and Japan has increased the global capital flow, and the prices of a series of commodities are also rising, even with the outbreak of global inflation. As a result of the sovereign debt crisis in Europe, most of the European countries began to reduce their fiscal spending, and because of the appreciation of the RMB, the export side also faced a lot of pressure; Therefore, the first thing we have to do is to adjust prices to implement a prudent monetary policy. On this basis, China's domestic investment and consumption will be restricted. In a narrow sense. China also began to make a series of adjustments to the domestic economic structure, began to develop a new type of energy-saving and environmental protection industry, increase the intensity of environmental protection, and then to clean up the financing platform of the government. Continue to strengthen the regulation and control of the real estate industry, some of its own development can not adapt to government policies of high-pollution enterprises and insufficient strength of real estate enterprises will be eliminated. In this way, a large number of loans from commercial banks can not be recovered, the number of non-performing loans is also increasing, commercial banks will be faced with a large increase in credit risks. Therefore, our commercial banks to understand to strengthen the management and prevention of credit risk in its business development is very important. Using a series of commercial bank credit risk management theory and the actual credit risk situation combination method, by XX bank credit risk management reality situation. In a deeper level of analysis of XX bank credit risk management in the emergence of a large situation, and targeted analysis of the actual work of my case. To XX bank's credit risk management puts forward own some suggestions.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.4

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