基层国有商业银行信贷管理缺陷分析与完善..doc

PAGE 基层国有商业银行信贷管理缺陷分析与完善 摘要 商业银行是一种企业,它与其他企业一样也是以追求利润最大化为其最终经营目标。在我国间接融资为主导的金融制度还未发生根本转变的情况下,存贷款业务依然是我国商业银行的主要业务,是生存与发展的根本,信贷资产仍是我国商业银行的主要资产,也是收益的主要来源。信贷市场份额的多少,管理水平的高低、风险控制能力的强弱,将直接关系到各行核心竞争力的高低和战略目标的实现。这些都使得信贷管理成为商业银行所面临的首要的战略问题。本文在进行研究的基础上,对我国商业银行的信贷风险管理进行了一些前瞻性的探讨,全文分为三个部分。在了解了商业银行信贷管理的内容和研究对象的基础上进行探讨信贷管理缺陷的表现与原因分析,主要论述了信贷风险的特点、表现以及信贷风险的成因。最后为本文的重点,主要论述了构建与完善我国商业银行信贷管理体系的措施,探讨了以下六个方面得内容: 培育健康的信贷文化。建立协调的权责激励制度。建立快速的预警机制。建立全面的信息收集和分析机制。革除“集团的”负面效应。加强信贷流程再造。从而更有效地识别和控制信贷管理,提高信贷资产质量。 关键词：信贷管理 信贷风险 管理体制 Abstract Commercial bank is a kind of enterprise; it and other enterprise is also to maximize profit for its final management goal. In our countrys indirect financing for the leading financial system has not happened under the condition of the fundamental changes, deposit is still the main business of commercial Banks in China, is the root of the survival and development, the credit assets of commercial Banks in China is still the main assets, also is the main source of income. How much of the credit market share, management level, risk control ability strong and the weak, will directly related to all the core competitiveness of the high and low and strategic target realization. That has made the credit management become commercial Banks were facing primary strategic problems. In this paper based on the research of Chinas commercial Banks of the credit risk management of some forward-looking discussion, the letter divides into 3 parts. By understanding the commercial bank credit the content of the management and the research object is conducted on the basis of credit management discussed the performance of the defects and reason analysis, this paper discusses mainly the credit risk characteristic, expression and the causes of the credit risk. Finally for this paper focuses on, mainly discusses the construction and perfect our country commercial bank credit management system measures, discusses the following six aspects have to content: foster a healthy credit cul