我国国有商业银行信贷风险防范研究.docVIP

摘 要 改革开放以来，我国国有商业银行在支持国民经济的快速发展中发挥了重要作用。国有商业银行稳定经营发展是金融稳定的重要内容，是宏观经济健康发展的前提保障。当前，国有商业银行面临的一个难题是如何较好地化解信贷风险。文章在研究国有商业银行信贷风险的成因并与国外商业银行信贷风险管理进行对比的基础上，分别从银行信贷风险产生的自身因素和外部环境两方面，针对性地提出了信贷风险防范策略。 全文即是遵循以上思路展开的。文章第一章分析了研究国有商业银行信贷风险防范的意义和本文的研究内容。第二章描述了新加坡商业银行和美国花旗银行信贷风险管理的经验，并将我国商业银行信贷风险与之对比得出启示。第三章概述了国有商业银行信贷风险产生的内外部环境，分析了信贷风险产生的原因。第四章分别从信贷前后研究了信贷风险的分析与防范问题。第五章在基于第三章原因分析的基础上，探讨了有效防范国有商业银行信贷风险的外部环境。第六章结合国情分析了商业银行信贷风险防范的制度建设。 关键词： 国有商业银行，信贷风险， 防范 Abstract The state-owned commercial banks have played an important role in supporting the fast developing country economy since the china’s reformation. Stable development of state-owned commercial banks is an important part of finance stabilization and the precondition of fine development of macro-economy. Now, an difficult problem of commercial banks to affront is how to eliminate credit risk better. By comparing to Singapore commercial banks and American Citibank credit risk management experience and studying the reason of credit risk of the stated-owned commercial bank, the thesis brings forward the methods of keeping away credit risk from the interior and exterior factor of commercial banks. The thesis is based on the understanding of the above idea. The first passage of the thesis analyzes the significance of keeping away the credit risk of the state-owned commercial banks and summarizes the contents of the article. The second passage of the thesis compares state-owned commercial banks to Singapore commercial banks and American Citibank credit risk management experience in order to get revelation. The third passage studies the interior factor and exterior circumstance of state-owned commercial banks and analyzes the reason which brings on credit risk and discusses the exterior condition which prevents the credit risk of the stated-owned commercial banks. The fourth passage discusses the analysis and precaution of the credit risk from fore-and-aft based on the analysis of the third passage. The fifth passage studies the exteri