国有商业银行信贷风险与外部审计.docVIP

本科生毕业论文资料 题 目 国有商业银行信贷风险与外部审计 姓 名 学 号 学 院 专 业 年 级 指导教师 （签名） 2012 年 6 月 国有商业银行信贷风险与外部审计 摘 要 随着我国经济的快速发展和国家各种宏观调控措施的开展，国有经济仍然在国民经济中占据着主导地位，它主导着各种所有制的发展，作为国民经济发展的最大支柱---商业银行的作用越来越突出。商业银行作为一种集存款，取款，借贷为一体的以盈利最大化为目标的企业?，我国国有商业银行在时代交接点上既面临着强大的机遇，又面临着严峻的挑战。在我国经济的不断革新下，信贷风险越来越成为国有商业银行向前发展的一个巨大挑战，也就此成商业银行向前发展的一个瓶颈。它在给国有商业银行带来阻力的同时，也为商业银行提供了一个难得的历史机遇。本文从多方面分析了国有商业银行存在的环境，发展态势，以及所面临的各种信贷风险和解决方案。希望通过分析和各种方案对策的出台，国有商业银行会有迎来一个美好的明天。 关键字： 信贷风险 IT审计? 监管体制 政策建议 ? Credit risk and external audit of the state-owned commercial banks Abstract With Chinas rapid economic development and the launching of the national macro-control measures, state-owned economy still occupies in the national economy with a dominant position, which dominate the development of various forms of ownership, as the backbone of national economic development the commercial banks increasingly prominent role. Enterprises, commercial banks deposits, withdrawals, loan as a set for one to profit maximization as the goal of Chinas state-owned commercial banks in the intersection of the times, both faced with great opportunities, they are facing serious challenges. Innovation in Chinas economy, the credit risk has increasingly become a huge challenge to the state-owned commercial banks to move forward, and it has a bottleneck into a commercial bank to move forward. Resistance to the state-owned commercial banks, commercial banks provides a rare historical opportunity. Multifaceted analysis of the existing environment of the state-owned commercial banks, development trend, and facing various credit risks and solutions. I hope through the introduction of the analysis and a variety of programmatic responses, the state-owned commercial banks will be t