国有商业银行信贷风险管理中的退出机制研究-工商管理专业论文.docxVIP

度缺乏信贷退出风险免责机制。建议相关部门在完善市场征信平台和 度缺乏信贷退出风险免责机制。建议相关部门在完善市场征信平台和 金融市场管理制度的基础上，建立相关的债权出售和转让机制，并出 台信贷风险成本考核和资产处置定价免责机制，保障信贷退出机制的 正常运行，实现真正意义上的银行信贷全面风险管理。 关键词：信贷退出、违约度、信贷风险成本、风险转嫁 AbstractOn Abstract On Study of WithdrawaI System of State‘owned Commercial Bank in Managemem of Credit Risk The present management scope of state—owned bank is comparatively limited，which only aims at checking up the growth of deposits and loans，developing the client credit and subsequent settling the bad assets．When risk exposes．the bank shall SUffer serious credit lOSS instead of practical recourse due to the decentralization of risk and low default cost．In this article，the author shall introduce a system which carl help the bank to withdraw from the credit，transfer the risk，meet the need of market and reduce the morality risk and the management cost of default to promote the development of business which is conducive to perfecting the social credit system． The withdrawal system in management of credit risk means when developing a new client or industry,professional risk manager shall be responsible for the management．State—owned commercial bank shall plan to set up opposite checking—up index，shift risk and reduce fairly heavy credit loss．According to the index of client backgrounds，debt-paying ability,developing ability,market factors and default guarantee，the bank shall define a withdrawed object by comparing client default from credit metrics with fixed withdrawal condition．The system shall ensure the bank not to expand an unqualified proj ect．shift risk and minimize the ioss in time with manners such as debt transference，negative and disposition，in VVhich the planned“collective operation，professional disposal and vertical management”credit metrics can help tO avoid some interference． The barriers of present system includes dissymmetric information coliection coliection of client，comparatively simple assets business and capitalt market，financial checking—up system and incomplete