S商业银行信贷风险管理的研究.pdf

摘要 I 摘 要 影响银行风险管理的因素众多，其中信贷风险管理是重中之重，因为其对 银行经管能力起到决定性作用。商业银行在市场化运作过程中起到不可或缺的 作用。如今，就国内商业银行而言，要强化风险管理力度，提高其获得利润的 水平，进而推动经济持续向前发展。社会要进步，经济要稳定前行，商业银行 的持续向前推进是前提条件。综上所述，怎样管控国内商业银行借贷风险，是 需要调研的重点课题，且非常紧迫，它具有重要现实价值。现阶段，国内商业 银行信借贷风险管控能力不强，不良贷款比率和金额逐年上升。从 2014 年底的 数据可知，国内金融机构不良贷款率达到 1.64%，其中商业银行不良贷款比率为 1.29%，和 2013 年相比，增加了 0.29 个百分点；不良贷款余额为 8426 亿元，2013 年底，不良贷款余额为 5921 亿人民币，增长了 42%。2014 年商业银行不良贷款 率创 2009 年来新高，不良贷款率逐年上升对我国商业银行来讲是一种严峻挑战。 论文第一步归纳总结了商业银行信贷风险管理理论，从信贷风险的定义、 类别、特点以及其核心内容进行介绍；接下来以 S 商业银行信贷风险管理为例 子，归纳出该银行信贷风险管理的实际情况；接下来进一步阐述 S 商业银行信 贷风险发生的根本原因；最后，从风险识别、风险计量、风险预警、风险控制 等方面提出适合 S 银行信贷风险管理的改善对策。 关键词：商业银行；信贷风险；风险管理与控制。 Abstract II ABSTRACT Many factors affect the banks risk management; the credit risk management is the most important, it’s directly related to the quality of bank management. Commercial banks occupy the main position in the financial industry, plays an important role in the market economy. In the current economic situation, China’s commercial banks should strengthen risk management, improve the profitability of commercial banks,so that it can promote the sustainable economic development. The healthy development of the commercial bank is the foundation of social and economic development. From the discussion, how to control the domestic commercial bank credit risk, is the focus of research , and very urgent, it has important practical value. At present, the ability how to control the credit risk of domestic commercial banks is not strong, the ratio of non-performing loans and the amount increased year by year. Data from the end of 2014, non-performing loans of domestic financial institutions reached 1.64%, commercial banks non-performing loan ratio was 1.29%, compared with 2013, an increase of 0.29 percentage points; the balance of non-performing loans of 842600000000 yuan, by the end of 2013, non-performing loans amounted to 592100000000 yuan, growth of 42%. In 2014, commercial banks non-performing loan rate ge