贷款风险分类管理在a商业银行的应用工商管理专业论文.docxVIP

贷款风险分类管理在A商业银行的应用 贷款风险分类管理在A商业银行的应用 摘 要 信贷风险管理是商业银行管理的一个永恒的主题。本文对我国商业银行信贷 风险管理这一我国迫切需要解决的一个重要课题进行研究，不仅具有十分重要的 理论研究价值，而且对于有效降低我国金融风险，增强我国银行业的国际竞争力， 以及推动我国经济体制改革和政治体制改革，都具有非常重要的现实意义。 本文在对A商业银行贷款风险分类管理实践进行充分考察和诊断的基础上， 建立多因素综合分类评分模型，通过选取A商业银行大量贷款资料对分类模型进 行实证分析，在实践中进一步整合相关技术与工具，为贷款风险分类管理的发展 提供新的思路和工具，并对A商业银行的风险分类管理做出全面系统的评估说 明，探讨A商业银行实施贷款风险分类过程中存在的问题，运用和借鉴先进的信 贷风险分类管理理论和方法，提出解决措施和政策建议，希望为A商业银行贷款 风险分类管理提供些有益的借鉴和参考，以期抛砖引玉，为我国商业银行在金融 全球化背景下防范和化解信贷风险提供理论支持和智力帮助。 关键词：信贷风险；管理：贷款风险分类；多因素综合分类评分模型： The The application of Risk-based Loan Classification Management for Commercial Bank of A Abstract Credit risk management iS the management of commercial banks an eternal theme． In this paper,Commercial bank of China credit risk management of Chinas urgent need to address an important subject to study,not only。is of theoretical research value， but also to effectively reduce OUr financial risks，and enhance China‘S banking industry’S international competitiveness，and promote China Economic reform and political reform，have a very important practical significance． A commercial bank in the loan classification risk management practices to fully study and diagnosis on the basis of the establishment of the category comprehensive assessment of multi—factor model，by choosing a large number of commercial bank loans classified information on the model of empirical analysis，in practice，further integration and related technology．Tools for management of credit risk classification for the development of new ideas and tools．A commercial banks and the risk of classified management system to make a comprehensive assessment that the implementation of A commercial bank loan risk classification process of the existing problems，and learn from the advanced use of the credit risk classification management theory and methods，measures and propose solutions to policy recommendations I hope for the A commercial bank lending risk classification management and draw some useful reference，with a view for China’S com