国有商业银行信贷风险的研究.docVIP

全日制专业学位研究生学位论文 论文题目：作 者：研究方向： 指导教师：获取盈利 对贷款实行全过程科学化、规范化的管理，Credit business is the main business of commercial banks, the most important way for commercial banks to obtain profits and the core of risk management. The loan quality and risk had crucial influence on operating results and even the survival and development of the commercial banks. 《Analysis of the feat of Chinas 10 listed banks in the first half of 2014》by PricewaterhouseCoopers in September 2014 showed that the top ten listed banks of the total net profit is 5132 billion yuan in the first half, an increase of 17% compared with the same period last year and chinese commercial banks to 77.5% of the total net profit equivalent, but profit growth has slowed down. Report selected 10 listed banks, including five state-owned banks and five joint-stock banks: Industrial and Commercial Bank, China Construction Bank, Agricultural Bank, Bank of China, Bank of Communications, China Merchants Bank, CITIC Bank, Shanghai Pudong Development Bank, Minsheng Bank, Industrial Bank listed the top ten Bank the first half of 2014, the overall non-performing loan ratio was 0.78% by down 0.02 percentage points compared with the last year, but overall the total non-performing loans of 5.3 billion yuan more than in the last year, which reached 356.657 billion yuan. In addition, the amount of overdue loans is the rapid increase in both the risk of non-performing loans on the asset quality is on the rise. From the situation of the current Chinas Bank credit risk management, Our country commercial bank risk management level is low generally, the non-performing loans is rising While the State-owned commercial bank non-performing loan rate is more than the regulatory index. Based on the related theory and literature both at home and abroad, this article discussed that the credit management theory and principle, analyzed the chasm between domestic and foreign on credit management, pointed out that the problems about our country comm