我国商业银行信贷违约风险分析及对策研究.docVIP

广东金融学院 2009-JX16- 薛淑华 本科毕业论文（设计） 我国商业银行信贷违约风险分析及对策 研究 摘 要 贷款是银行最主要的资产，是银行最主要的资金运用，同时也是银行获取利润的最重要途径，如何保证贷款的安全性是极其重要的。当前，因美国次贷危机而爆发的全球性金融危机，再次说明信贷违约风险管理在商业银行管理中的重要性商业银行有效的风险Abstract Loans are the upmost assets and fund utilization of banks, as well as the most significant approach to gain profits. Its extremely important to ensure the security of loans. Currently, the global financial crisis has erupted due to the subprime mortgage crisis in America, and it again stresses that the importance of credit default risk management cannot be ignored. In such an economic environment, our country’s commercial banks need strength the construct of effective prevention mechanism and take relative measures to reduce the credit default risk. Aiming at solving the existing problems of credit default risk of our country’s commercial banks and combining the relevant data of credit risk research at home and abroad, the article studies and analyzes the influencing factors of credit default risk, and discuss the prevention mechanism and measures that reduce the risk. Meanwhile, the article points out the aspects needed improved in our commercial bank credit system, in order to help commercial banks better control credit default risk and promote credit industry to develop reasonably and scientifically. Key words：　Commercial Bank；　Default Risk；　Influencing Factors；　Countermeasures Analysis 目 录 一、引言………………………………………………………………………1 二、商业银行信贷信用风险…………………………………………………1 （一）信用风险内涵…………………………………………………………1 （二）信用风险构成要素……………………………………………………2 三、我国境内商业银行不良贷款现状………………………………………2 四、违约风险影响因素分析…………………………………………………3 （一）借款企业与违约风险的产生…………………………………………3 1. 企业经营者素质与企业信贷违约………………………………………4 2. 企业经营状况与企业信贷违约…………………………………………4 3. 企业规模与企业信贷违约………………………………………………4 4. 企业发展前景与企业信贷违约…………………………………………5 （二）银行内部与违约风险的产生…………………………………………5 1. 信贷审批制度与企业违约………………………………………………5 2. 违约风险预警系统与企业违约…………………………………………5 3. 信贷文化与企业违约……………………………………………………6 （三）外部环境与违约风险的产生…………………………………………6 1. 宏观经济因素与违约风险………………………………………………6 2. 国家法律