改善银行信贷风险管理研究详解.docVIP

摘 要 伴随国内经济的快速发展，受存贷款利率趋于市场化、金融开放程度不断加大等因素影响，内、外资银行业间竞争愈发激烈，信贷风险管理的水平高低成为影响商业银行健康发展最重要因素。因此改善信贷风险管理已成为商业银行亟需解决的长期问题。 本文共分为五章，第一章介绍了本文的研究背景、研究目的及意义、研究方法、研究思路等，并从国外和国内两个方面阐述了关于信贷风险管理的研究现状。第二章介绍了信贷风险管理的研究概述。第三章主要介绍了银行信贷风险管理的现状、存在的问题并对这些问题进行了原因分析。经过分析，我国商业银行存在的问题主要包括：信贷管理模式过于统一和粗放、信贷管理组织架构缺乏合理性、尚未建立有效的信贷风险管理预警机制、贷款风险特征缺乏合理性、信贷人员业务素质亟须提高、重视贷前审核，忽视贷后管理。对其原因进行分析，主要包括银行自身的原因：信贷组织不健全、经营策略不当，管理水平不高、财务分析具有局限性、贷款方式选择不当；企业方面的原因：企业的生产经营能力、缺乏诚信以及经济环境；外部环境的原因：世界经济疲软、授信过度集中、市场因素不断变化、缺乏良好的社会信用环境。在分析这些原因的基础上，提出了商业银行改善风险管理的对策：加强风险资产管理、对企业的信用等级进行分析，完善信贷风险管理流程、加强信贷决策控制系统的科学性、创新信贷风险管理的方法和手段、发展资本市场、建立健全信贷风险补偿机制。第五章则对全文进行了总结，得出结论，并进行了展望。 关键词： 银行 贷款 Abstract With the rapid development of the domestic economy, the marketization of the loan interest rate, the globalization of the finance environment, there would be more competitive between banks from all around the world. The credit risk management becomes one of the most important component effect the bank development, even impact the life of the commercial bank. Therefore how to avoid the credit risk will be the hardest problem of the commercial bank. This article is divided into five chapters, the first chapter states the research background purpose and significance methods, also introduces the status about the credit risk management from the domestic and abroad. The second chapter introduces the research overview of credit risk management. This paper indicates the concept of credit risk, and the classification of the characteristics of credit risk, the concept of the credit risk, the definition of the credit risk, the principle of credit risk management, the process of the credit risk management, and the impact of the credit risk management. The third chapter mainly introduces the bank credit risk management’s present situation, problems and the reason of these problems. According these analysis, the problem of commercial Banks in our country mainly includes: credit management pattern is too unified and extensive, lack of organization