商业银行的信贷风险管理问题研究大学论文.doc

毕业论文 商业银行的信贷风险管理问题研究 摘要 我国是市场经济不完善的国家,商业银行的发展即不规范,抗风险能力有较弱。特别是2006年金融市场开放后,我国的商业银行所面临着外资银行的激烈竞争。在目前我国商业银行所面临的各种风险中,信贷风险是最重要的,也是最致命的风险。我国商业银行信贷风险的控制,无论是在技术、方法和观念方面,还是在制度方面,都与发达国家的商业银行存在较大的差距。更大的问题是:我国的理论界和众多的商业银行,过于注重对商业银行信贷风险的单因素研究、分析与控制,而忽略对商业银行信贷风险全过程控制的研究。因此,对我国商业银行信贷风险的全过程控制研究已是当务之急。 关键词:商业银行 信贷风险 控制 Abstract Our country is the market economy imperfect country, commercial banks development namely is not standard, anti-risk ability has weakly.After specially in 2006 the money market opening, our countrys commercial bank is facing the foreign capital bank steep competition.Faces in present Our country Commercial bank in each kind of risk, the credit risk is most important, also is the most fatal risk.Our country Commercial bank credit risk control, regardless of is in the technology, the method and the idea aspect, in the system aspect, all has the big disparity with the developed country commercial bank.The major problem is: Our countrys theorists and the multitudinous commercial bank, too pay great attention to the commercial bank credit risk single factor research, the analysis and the control, but neglects to the commercial bank credit risk entire process control research.Therefore, to Our country Commercial bank credit risk entire process control research already was the urgent matter. Key words: Commercial bank Credit risk Control 目录 摘要 Abstract HYPERLINK \l _Toc164156808 1 绪 论 PAGEREF _Toc164156808 \h 1 HYPERLINK \l _Toc164156809 1.1 问题的提出 PAGEREF _Toc164156809 \h 1 HYPERLINK \l _Toc164156810 1.2 研究的意义 PAGEREF _Toc164156810 \h 2 HYPERLINK \l _Toc164156811 1.3 研究思路与研究内容 PAGEREF _Toc164156811 \h 4 HYPERLINK \l _Toc164156812 1.4 主要研究工作 PAGEREF _Toc164156812 \h 5 HYPERLINK \l _Toc164156813 2 商业银行风险概述 PAGEREF _Toc164156813 \h 7 HYPERLINK \l _Toc164156814 2.1 商业银行风险的类型 PAGEREF _Toc164156814 \h 7 HYPERLINK \l _Toc164156819 2.2 商业银行风险的特征 PAGEREF _Toc164156819 \h 8 我国商业银行信贷资产现状及信贷风险管理存在的