我国商业银行对信用风险的管理与控制-毕业论文（设计）.docVIP

张丽：我国商业银行对信用风险的管理与控制 ___________________________________________________________________________________________ PAGE \* MERGEFORMAT 12 题目：我国商业银行对信用风险的管理与控制 院(系)别 财经学院 专 业 金融学 班 级 金融112 学 号 110911220 姓 名 指导教师 二○一三十月 山东交通学院学年论文 _________________________________________________________________________________________ 摘 要 当代，信用在现代经济生活中的重要性越来越突出，诚信原则已经成为金融行业的一项基本原则。而随着金融改革和金融市场的不断发展，商业银行的各种风险也在逐渐加大，信用风险则是其主要风险中之一。因此，如何管理信用风险是各国商业银行面临的一个重大难题。 对于负重前行的我国商业银行来说，提升信用风险管理是势在必行的。商业银行是我国金融体系的主体,在我国的国民经济中发挥着举足轻重的作用。随着我国金融体制改革的不断推进,我国国有商业银行在经营中存在的诸多弊端不断显现出来。因此,分析商业银行存在的风险并找出解决途径、方法对我国商业银行具有重要的现实意义。在本文中，就以我国商业银行信用风险形成的原因、发展现状及国外研究发展状况等展开分析，并结合问题给出了具有借鉴性和启发性的解决问题相关措施及对策。 关键词：商业银行，信用风险， 风险管理 ABSTRACT Nowadays, the credit is getting more and more prominent in the modern economic lifes importance . The good faith principle already became a basic principle in the financial profession. With financial reform and the development of financial market , all kinds of commercial bank are also increasing gradually and the credit risk is one of the most risks .Therefore, how to manages the credit risks is a very difficult problem which various countries Commercial bank are faceing. It is necessary to the commercial banks with a heavy burden in China to improve credit risk management.Commercial banks are the main body of Chinas financial system and they play a pivotal role in our national economy. With the continuous advance of Chinas financial system reform ,many drawbacks in operating and management of Chinas state-owned commercial banks are emerging gradually. Consequently, it has a important practical significance to Chinas state-owned commercial banks to analyse the risks which they are facing and to find solutions and methods.In this article,the author makes a detailed analysis to the reasons and the develo