我国商业银行贷款风险的研究-毕业论文（设计）.docVIP

PAGE PAGE 2 摘 要 银行的每笔贷款都存在着偿还的不确定性。对于这个问题自从银行产生到现在几乎没有发生根本的改变。在实际生活中兴业银行作为金融中介机构，向社会提供各种金融服务。信贷业务是银行为现代经济社会的运行和发展所提供的最重要的服务，也是银行收益的源泉。贷款构成了兴业银行资产项目中的主要部分，贷款管理是银行最重要的管理内容之一。因此，与其说银行是在经营货币的企业，不如说银行是从贷款风险中获取收益的企业。本文将对贷款的类型及成因进行分析，然后提出相应的防范措施，从而希望能够使兴业银行苏州支行的放贷业务的风险得到一定的控制，减少不良贷款的发生。 关键词：兴业银行，不良贷款，经营风险，盈利能力，风险管理 Abstract Each bank to repay the loan there is uncertainty. As to this problem the basic change scarcely takes place since the bank produces till now. Socié té Gé né raleas the financial intermediary in living actually Offers various financial service to the society. The credit line is the most important service which the bank offers for operation and development of modern economics and society,it is the source of the bank income too. Industrial Bank loans constitute the main asset of the bank ,and loan management is the management of the most important one. Therefore, banks are not so much money in the business enterprise, it is better to say that banks are in the business risk, the risk from the loan proceeds to obtain business. This article from the type of loan and Analysis, and then the corresponding preventive measures in the hope that they can make the Suzhou branch of Industrial Bank lending business risks are under control and reduce the occurrence of non-performing loans. Keyword: Industrial Bank, non-performing loans, business risk, profitability, risk management 目 录 TOC \o 1-2 \h \z \u HYPERLINK \l _Toc232096408 摘 要 PAGEREF _Toc232096408 \h I HYPERLINK \l _Toc232096409 Abstract PAGEREF _Toc232096409 \h II HYPERLINK \l _Toc232096410 一、我国商业银行贷款风险 PAGEREF _Toc232096410 \h 1 HYPERLINK \l _Toc232096411 （一）我国商业银行贷款风险的出现 PAGEREF _Toc232096411 \h 1 HYPERLINK \l _Toc232096412 （二）贷款风险的概念 PAGEREF _Toc232096412 \h 1 HYPERLINK \l _Toc232096413 二、贷款风险 PAGEREF _Toc232096413 \h 2 HYPERLINK \l _Toc232096414 （一）贷款风险的类型 PAGEREF _Toc232096414 \h 2 HYPERLINK \l _Toc232096416 （二）贷款风险的成因 PAGEREF _Toc232096416 \h 4 HYPERLINK \l _Toc232096418 三、 贷款风险的防