建行某市分行信贷风险管理分析-旅游管理专业论文.docxVIP

华 华 中 科 技 大 学 硕 士 学 位 论 文 II II Abstract The banking industry gradually intergrated the financial globalization advancement with China entered the WTO, especially China’s opening its banking market enrollment completely in the end of 2006, the foreign commercial banks will officially enjoy the national treatment in China. As they have the superiority of technique in the risk management,Local bank will experience fiercer competition. Therefore, it is obviously urgent and important for China’s banking industry to make a research of the credit risk management and improve the technique level in the risk management. Due to more than one hundred years practices, western commercial banks have accumulated rich experiences in the aspect of credit risk management. Therefore, the essay first introduces about the characteristics and advantages of the western bank credit risk management methods. Then, I gave a description of the current problems the domestic banks face in this aspect. Finally, guided by the idea of adjusting measures in different local condition and with regard to our specific phase of the economic system transition and the social cultural characteristics, I design a timetable according to which we can efficiently drawing on the experiences of western bank credit risk management methods. Key word：Commercial bank Credit Risk Management PD(Probability of default) LGD(Loss given default) PAGE IV PAGE IV 目 录 摘 要1 HYPERLINK \l _bookmark0 Abstract II 1 绪论 HYPERLINK \l _bookmark1 1.1 商业银行信贷风险 (1) HYPERLINK \l _bookmark2 1.2 商业银行信贷风险管理的流程及意义 (5) HYPERLINK \l _bookmark3 1.3 商业银行信贷风险评估方法及其指标 (8) HYPERLINK \l _bookmark4 2 建设银行某市分行信贷风险管理分析 HYPERLINK \l _bookmark5 2.1 建行某市分行概述 (13) HYPERLINK \l _bookmark6 2.2 建行该市分行的信贷风险成因分析 (14) HYPERLINK \l _bookmark7 2.3 建行该市分行信贷风险管理现况及其分析 (16) HYPERLINK \l _bookmark8 3 改善建设银行某市分行信贷风险管理的措施 HYPERLINK \l _bookmark9 3.1 建立组织独立的风险管理框架以加强内部控制 (23) HYPERLINK \l _bookmark10 3.2 进一步完善信贷风险管理流程以实现风险动态管理 (25) HYPERLINK \l