恒丰银行杭州分行信贷风险管理研究-工商管理专业论文.docxVIP

．。l飞o ．。l飞o l＼、 ．j 摘 摘 要 随着我国加入世界贸易组织，经济改革市场化的进一步深入， 中国商业银行也开始实行股份制改革，不良贷款率大幅下降，贷款 基数的迅速扩张，以及贷款的长期化趋势都掩盖了商业银行的信贷 风险。而且，伴随对外资银行经营人民币业务限制的取消，国内商 业银行将面临前所未有的冲击。加强研究信贷风险管理，提高商业 银行对信贷风险的识别、控制、处置能力，对于抵御信贷风险，提 升银行信贷资产质量，实现稳健经营有着重要意义。 本文从商业银行信贷风险有关理论入手，根据导致银行信贷资 产损失的风险事件的不同对信贷风险分类，然后根据银行业的特殊 性以及我国实际情况，提出恒丰银行杭州分行在浙江针对中小企业 银行信贷风险管理的必要性。虽然我行在信贷风险管理方面采取了 一系列的措施，但是我行信贷资产的质量仍旧令人担忧。信贷风险 管理是一个复杂的过程，我行要根据各种渠道获得信息，把好准入 关口，提早识别风险来源、风险范围、风险程度和风险趋势，并发 出相应的风险警示信号，通过一系列的技术手段对信贷风险进行控 制。因此，我行信贷风险的识别、预警、计量、防范和化解是一个 非常重要的过程，贯穿于贷款的全过程。针对各类风险产生的原因， 采取相应的信贷风险控制技术和措施，并结合我行的实际情况提出 改进建议，通过研究以使我行能最大限度降低信用风险、提高经营 效益。 关键词恒丰银行，信贷，风险管理 ABSTRACTWith ABSTRACT With Chinas accession to the world trade organization，the further economic reforms marketization，Chinas commercial Banks also began to implement share．holding system reform，the falling of bad loans，the rapid expansion of loan base，and the long—term trend on loans are gone over commercial bank credit risk．Moreover,with the abolishment of the limitation on foreign B anks’RMB business，domestic commercial Banks will face unprecedented shock．Strengthening research credit risk management，improving the commercial Banks to credit risk identification，control，disposal ability,all above are very important to resist credit risk and improve bank credit assets quality and realize stable operation． This article from the commercial bank credit risk，according to the relevant theories of the bank credit assets losses caused to the di fferent risk events that the credit risk classification，then according to the particularity of the banking industry and the actual situation in our country,puts forward Hengfeng bank in Zhej iang Hangzhou branch for small and medium．sized enterprise bank credk risk management of necessity．Although our bank credit risk management in adopted a series of measures，but the quality of our credit assets still worrisome．Credit risk management is a complicated process，we should according to various sources of information，the good access t