金融-越南商业银行贷款风险管理问题研究 -封面.docVIP

毕业设计（论文） 题目: 越南商业银行 贷款风险管理问题研究 学 院 商学院 专 业 金融学 班 级 学 号 0623100493 学生姓名 阮氏芳兰 指导教师 申韬 二〇一〇 年 五 月 十五 日 摘 要 随着国际经济一体化与金融自由化的深入发展，以及外资银行不断的进入和西方国家营销策略的成熟，越南商业银行将面临日益激烈的市场竞争及信息技术改革的严峻挑战。加入WTO后，越南商业银行需要借鉴和吸收国内外先进经验，改变传统的思维和营销方式，以超常规、跳跃式的新型理念和手法来塑造商业银行的特色形象，增强综合竞争力[关键词]越南 商业银行 贷款风险管理 存在问题 对策 Adstract Along with the development of international economic integration and the development of financial liberalization as well as the investment from foreign banks and Western nations’ business strategies, Vietnam commercial banks are now faced with increasing market competition and challenges in reforming information technology. After joining WTO, Vietnam commercial banks need to learn and comprehend advanced experiences from foreign countries as well as changing the traditional attitudes and methods of doing business in order to take new steps in perceiving the concept of loan risk management and practices aiming to define the characteristics of commercial banks, improving the entire competitive ability. Because the concept in loan risk management is recently applied in Vietnam banks and there is a large distance compared with developed countries, so the primary cause influencing the effectiveness and safety in commercial banks’ credit operations is credit risk, therefore the loan risk management is one of the most urgent missions that Vietnam commercial banks need to concern about. In order to improve Vietnam commercial banks’ loan risk management ability, this article bases on the practical conditions of Vietnam commercial banks’ loan risk management in current stage to analyze and summarize problems existing in commercial banks’ business loans as well as giving recommendations for specific policies on improvement in the loan risk management field within Vietnam commercial banks. Key words：Vietnam，Commercial bank，Loan risk management， Existence question，Countermeasure 目 录 商业银行贷款风险管理概述…………………………………………1 商业银行贷款风险的概念…………………………………………… 1 商业银行