A银行信贷风险控制问题探讨.docVIP

A银行信贷风险控制问题探讨 　　 　　随着经济运行与金融运行的逐步融合，金融风险已经成为当代最主要的经济风险。 　　 　　商业银行是重要的金融部门，是企业融资的主要渠道，而信贷业务又是银行的核心业务，因此信贷风险控制对整个金融体系健康、有效地运行具有极为重要的影响。 　　 　　我国银监会一直强调“切实做好银行业风险防控工作”,要求银行加强各自的信贷风险管理，规范信贷业务相关规章制度，促进银行业的健康发展。根据各个银行不同体制和经营情况，合理调整信贷结构，完善信贷体系，采取有效的信贷风险控制措施，把信贷风险控制在一定范围内，将信贷风险给银行带来的损失降到最低。 　　 　　因此，本文以风险管理理论为基础，通过梳理与信贷风险控制有关的研究成果，以 A银行为具体案例，在对 A 银行信贷业务进行调查研究的基础上，分析了该行信贷业务风险管理的现状，剖析了其信贷风险控制中存在的问题及其形成的原因，借鉴先进的信贷风险管理经验，运用科学的信贷风险评价方法，构建优化了信贷风险控制体系，并提出了提高信贷风险控制水平的保障措施，对推动A银行信贷风险控制工作起到了积极作用。 　　 　　关键词：商业银行 信贷风险 风险控制 　　 　　ABSTRACT 　　 　　With the gradual integration of the economy and the financial operations, financial riskhas become a modern major economic risks. Commercial banks are important financial sector,it is the main channel of corporate finance and the credit business is the core business of thebank sufficient severity, so credit risk control has a very important impact on the overall healthand effective operation of the financial system. 　　 　　Our CBRC has always stressed that “do a good job in banking risk prevention and controlwork earnestly ,” require banks to strengthen their credit risk management, standardize creditbusiness related relevant rules and regulations, and promote the healthy development of thebanking industry. Depending on the different systems and operating conditions of each bank ,adjust the credit structure reasonably, improve the credit system, and take effective measuresto control credit risk. To control the credit risk within a certain range, and minimize the loss ofthe credit risk . 　　 　　Therefore, in this paper, based on the theory of risk management, by analyzing researchresults related to credit risk control, with A bank for the specific case, for A bank creditbusiness on the basis of investigation and study, the paper analyzes the current situation of thebank credit risk managemen, and analyzes the reasons for its credit management problems andtheir formation, learn from the advanced experience in credit risk management, usingscientific credit r