全球金融机对我国.doc

华南师范大学南海学院 学校名称不对吧？应该写自己学校的名字 自学考试本科毕业论文 论文题目 全球金融危机对我国商业银行的影响及对策 学 生 姓 名 吴勇强 准 考 证 号 120110300690 学 科 专 业 金融管理 指 导 老 师 李晓鹏 论文提交日期 2011年 月 日 论文答辩日期 2011年 月 日 内容提要： 当前由美国次贷危机引起的全球金融危机已经引起了全球经济增速的减缓甚至是衰退，其中金融业特别是银行业遭受重大打击。西方银行的纷纷倒闭及破产给我们很大的启发，更重要的是给我们银行风险管理带来许多思考。次贷危机对我国商业银行造成怎样的冲击以及如何影响我国商业银行的发展？本文介绍我国商业银行风险管理方面存在的问题，就如何构建合理的商业银行风险防御机制、加快改革步伐提出了相应的对策，以有助于我国商业银行积极应对风险，打造自己的核心竞争力。 内容提要需要再长一点！ 关键词：次贷危机 商业银行 风险管理 影响 对策 目 录 一、全球金融危机对我国商业银行的风险管理的影响················1 二、我国商业银行风险管理的现状···································2 （一）我国商业银行信贷风险现状······································2 （二）我国商业银行风险管理现状······································2 （三）我国商业银行的内部控制········································2 三、我国商业银行和欧美商业银行的比较····························3 （一）风险管理理念比较··············································3 （二）风险管理体制比较··············································3 （三）风险管理监管比较··············································3 四、金融危机的成因以及对我国商业银行的影响·····················4 （一）金融危机的成因················································4 1、过度证券化·························································4 2、信誉评级机构推波助澜················································4 3、通货膨胀的发生和利率的增高···········································4 4、监管机构不力·······················································4 （二）金融危机对我国商业银行的影响··································4 1、房地产信贷风险加大··················································4 2、外汇市场的变化·····················································5 3、对银行海外业务的影响················································5 五、加强我国商业银行风险管理的对策及建议·······················5 （一）完善风险预警机制················································5 （二）优化银行信贷资产机构，分散风险··································5 （三）坚持“谨慎”的原则进行金融创新··································6 （四）完善并实施严格的金融监管········································6 六、结论····························································6 参考文献·······························