商业银行信贷风险管理--晶安高科公司贷款案例研究.pdfVIP

要 信贷风险是我国商业银行的主要风险，目前我国商业银行的信贷风险管理水 平偏低，传统的信贷风险管理缺乏主动性的理念，信贷风险管理缺乏系统性，导 致我国商业银行信贷资产质量普遍较差，严重影响了银行的收益。本文拟从商业 银行的视角，运用金融、财务 管理学相关知识，以晶安高科公司贷款为例，探 讨了商业银行信贷风险的控制和管理。期望能以此引起商业银行管理者的注意， 建立和完善有助于控制商业银行信贷风险的措施。本文的主要结构分为三个部分: 第一部分通过导论，揭示商业银行信贷风险管理的重要性和研究现状。第二部分 以晶安高科公司贷款为例，对H 彩玻公司晶安高科公司的非财务因素、财务因素、 担保因素以 银行决策因素造成的信贷风险进行分析，为信贷风险管理提供了充 分的和必要的依据。第三部分主要通过晶安高科公司的信贷风险分析给我们带来 的启示，提出了完善商业银行信贷风险管理的一些建议和措施。 关键词：商业银行 晶安高科 风险管理 1 Abstract Credit risk is the main risk in our commercial banks. At present, low level and lack of initiative and systematism in credit risk management, cause directly the bad quality and proceeds of credit capital in commercial banks. With an example of Jingan High-tech Company, the controlling and management of credit risk in commercial banks will be discussed, by using knowledge in Finance, Accountancy and Management. Supervisors notice may be arose in commercial bank, then will establish and consummate measures to control the risk. This dissertation is made up of three parts: in the first part, importance of risk managing and how to analyze credit risk will be expounded with summarizing the theoretics of credit risk management in commercial banks; in the second part, sufficient and essential evidences of risk managing will be provided by analyzing the credit risk of Jingan High-tech Company, which is caused by financial and non-financial factors, hypothecation factor, decision-making factor of bank; In the last part, some advice and measures will be given to consummate the management of credit risk in commercial banks with the revelation found from credit risk analyse of Jingan High-tech Company. Key words: commercial bank Jingan High-tech Company