浅议我国商业银行信贷风险管理及对策.docVIP

浅议我国商业银行信贷风险管理及对策 目 录 一、我国商业银行信贷风险的涵义及其特征………………………………………3 二、我国商业银行信贷风险成因分析………………………………………………5 三、中外商业银行信贷风险管理之差异比较………………………………………10 四、进一步完善我国商业银行信贷风险管理的对策………………………………14 内 容 摘 要 本文选择我国商业银行贷款风险管理为研究对象，讨论商业银行贷款存在的风险，并试图针对这些风险进行研究，提出相应的风险管理对策。众所周知，信贷业务作为商业银行最主要的盈利业务，对商业银行的经营具有重要意义，而信贷风险历来是银行乃至整个金融业最主要的风险形式，是金融机构和监管部门防范与控制的主要对象和核心内容，银行信贷业务所带来的信用风险及其控制也一直是商业银行最为关心和棘手的问题。因为，信贷风险不仅关系到商业银行的盈利水平，还关系到商业银行的生存和发展。目前，我国商业银行在信贷管理手段、体制、控制制度等诸方面与外资银行有较大差异，管理权限过度集中，没有明确的贷款风险管理责任制，致使国内商业银行尚未有效建立以风险防范为核心的信贷风险管理长效机制，存在的不良贷款还没有完全化解，新增风险不断出现，因此，必须进一步建立健全全社会信用体系，以解决银行和企业信息严重不对称现象；必须坚持贷款的“三性”原则，合理安排商业银行资产的流动性；必须建立健全约束与激励相统一的信贷考核机制和综合信用评级制度；进一步改进商业银行信贷管理体制，完善信贷风险防范机制，努力提高信贷人员的综合素质，等等，只有这样才能使信贷风险管理为商业银行的健康发展发挥更大的作用。 第1页 lujianhua (South area ahead Office Director and to war victory)]. County Government operates 3 Civil Affairs, finance, education and Finance Committee, with espionage, sabotage, standing and political team. Soon, the tomb of the Wujiang District Committee of the Kuomintang relocated to the countryside village. Pre-war, strict tomb for seventh district, its regional range for this Taoyuan town and town of Nan Ma Street, and Tan Qiu street of rotten Brook Tang West of area, in Wujiang South border, and Zhejiang Province Tongxiang County, and Wuxing County adjacent, ancient for two province (River, and Zhejiang) three House (Suzhou, and huzhou, and jiaxing) seven County (wuxing, and return Ann, and Tongxiang, and jiaxing, and show water, and Wujiang, and earthquake Ze) of make, is located in remote, territory size Lake swing dotted, river port criss-cross, easy hidden combat, and no Highway, traffic inconvenience. Therefore, this has become the refuge of many, where Wujiang gentleman most of the refuge is not the fall of four townships, at this time of grave, there has been a monstrous prosperity, Nanxun town, even the neighboring Zhejiang Province, there are also some merchants to Yan Tao DUN Cun opened shop. Cang during the depres