商业银行公司信贷的风险管理研究--以中国农业银行台州市分行为例.pdfVIP

要 信贷风险直接关系到银行的生存与发展，目前商业银行的信贷风险不仅存在， 而且涉及面广、风险度高、不良贷款率也比较高，严重影响了商业银行的可持续 发展，因此如何有效地提高信贷风险管理水平是我国银行业面临的重大课 。本 文的研究，对于深刻认识目前商业银行信贷风险管理现状，探索提高信贷风险管 理水平的途径，缩短与国际先进银行的差距，提高商业银行在金融市场上的竞争 力都具有重要的现实意义。 本文以中国农业银行台州市分行 （文中和以下均简称：台州市农行）为研究 对象，通过对台州市农行目前经营状况、贷款市场占比、信贷结构分布和信贷业 务种类等信贷业务发展状况的分析，指出台州市农行公司信贷管理上所存在的主 要问 （如近年来不良贷款额突增、不良率偏高和流动性相对过剩等）。并结合2008 年台州市农行发生的一件信贷违约案例来进一 阐述台州市农行公司信贷风险产 生的原因。同时，结合国内外商业银行的先进管理方法和我国商业银行信贷管理 的现状，提出了加强台州市农行公司信贷风险防范的具体措施。本文的研究有力 地促使台州市农行信贷管理模式从粗放化向精细化转变，有利于改善台州市农行 的信贷管理质量，提高其综合竞争实力。 关键词：商业银行 公司信贷风险 风险管理 1 Abstract Credit risk is directly related to bank s existence and development. At present,the credit risk in commercial bank is very serious with a wide scope, high risky level and high unhealthy loan rate. It seriously affects the subsistant development of bank, therefore, how to improve the level of credit risk s management is the key topic our bank is facing. The study of this article will play an important role in realizing deeply the current status of credit risk management; exploring the way of improving the credit risk management level; narrowing the gaps with the advanced banks in the world; and in the meantime enhancing the competition capability of our bank in the financial market. Through analyzing the study obj ect, Taizhou Agricultural Bank of China (TZABC) including the current management status, loan market occupancy rate, credit structure distribution and credit business types, etc. this article has indicated the main problems in credit risk management of TZABC (such as increasing dramasticely of unhealthy loan value in recent years, higher defective rate, and excessive mobility, etc.). and further clarified the reasons causing the credit risk around a breaking credit treaty case. In the meantime, with the su