b银行中小企业信贷风险研究.pdfVIP

摘 要 当前商业银行间竞争日益激烈，信贷资产质量显得尤为重要，信贷风险较为 突出，无论从外部因素还是内部控制，从宏观环境还是具体细节，信贷风险的管 理与控制都是商业银行不容忽视的重要部分,银行要达到收益最大化,就必须做 到信贷风险最小化。我国银行业资产业务中很大部分为贷款业务，信贷风险是银 行业普遍存在的风险。 本文通过阐述现存风险的意义，分析目前银行业存在的信贷风险现状，研究 信贷风险的原因，进而凸显财务分析及财务预警的重要性，以及银行业内部控制 管理以及信贷人员提高财务水平的重要性。通过建立一个合理的、规范的银行信 贷风险预警制度，实现科学的预警体系，提高行业的风险分析技能与含金量，帮 助银行有效地识别风险,防风险于未然,这对提高我国商业银行的信贷管理水平, 实现金融业的稳步前进具有重要意义。 关键词：信贷风险，财务体系，分析方法 I ABSTRACT The current increasingly fierce competition between commercial Banks, it is particularly important to quality of credit assets, the credit risk is more prominent, both from the external factors and internal control, or specific details from the macroscopic environment, commercial bank credit risk management and control is an important part of nots allow to ignore, the bank to achieve maximum profit, must do credit risk minimization. A large part of our banking asset business is lending, and credit risk is a common risk in banking. In this paper, through the elaboration of the existing risk, analysis of the present status of the risk of the credit of the banking sector, a study of the causes of credit risk, thus highlights the importance of financial analysis and financial early warning, and banking internal control as well as the importance of credit personnel to improve the level of financial management. Through the establishment of a reasonable and standard bank credit risk early warning system, implement scientific early-warning system, improve the risk analysis and value of the industry, help Banks to effectively identify risk, risk prevention cure, this to improve the level of our country commercial bank credit management implementation has made steady progress in the financial sector is of great significanc