蒙古国X商业银行贷款风险管理分析-企业管理专业毕业论文.docxVIP

东华大学旭日工商管理学院硕士学位论文 东华大学旭日工商管理学院 硕士学位论文 PAGE PAGE 2 Abstract Credit asset is the main financial business of the commercial banks and commercial bank’s profits. It can also induce business risk of the banks, and it is one of the main causes bank bankruptcy. It is very important for the commercial banks appropriate monitoring and management of credit risk. In Mongolia, credit risk management for banks is also very important，especially after the financial crisis in 2008, Mongolias economy has been impacted relatively large，most industries faced many challenges. The rise of the credit risk, non-performing assets accumulation, will endanger Mongolia’s financial and economic security. In recent years, the government of Mongolia has been taking measures from many aspects, trying to take risks in some sectors effectively to resolve. Many scholars have called to reform, put forward many countermeasures to prevent the risk of the loans, but the credit risk of domestic commercial banks is still serious in Mongolia. Therefore, this paper is about Mongolian bank loan risk management conducted an investigation, which indicate the existence of risk management of X commercial bank’s credit risk management problem and tried to find out some solutions to reduce loan risks. Key words: loan risk, xxx bank of Mongolia, credit risk management 目录 摘要1 Abstract. 2 第一章 绪论 5 1.1 研究背景和意义5 1.2 相关概念界定6 1.2.1 贷款 6 1.2.2 贷款政策 6 1.2.3 贷款管理制度 7 1.2.4 商业银行风险及表现形式 7 1.2.5 商业银行贷款风险和决定因素 8 1.3 研究内容8 1.4 研究方法9 第二章 文献综述 10 2.1 国外的文献综述10 2.2 国内的文献综述12 第三章 蒙古国 X 商业银行基本情况 13 3.1 X 商业银行简介 13 第四章 贷款风险调查和分析 21 4.1 贷款工作流程与规章制度21 4.1.1 贷款工作流程 21 4.1.2 贷款规章制度 23 4.2 贷款风险调查的方法23 4.3 问卷调查结果24 第五章 结论和建议 41 5.1 结论41 5.2 建议41 参考文献44 附录（一）47 X 商业银行贷款风险管理研究调查 47 附录（二）50 攻读硕士学位期间发表的学术论文53 致谢54 第一章 绪论 1.1 研究背景和意义 在计划经济时期蒙古国只有一个中央银行：储蓄，借贷，外汇，费用缴纳结 算等各种金融业务以蒙古中央银行进行的。此时，蒙古国金融体系必须要做有所 改变。1991 年初国家大呼拉尔开始提议讨论关于商业银行的法令规范、4 月签 订“蒙古共和国的银行法”,建立了新的二级银行体系：蒙古中央银行—蒙古银 行和商业银行。因此、首次在蒙古国成立了私有商业银行的法律环境。在 1996 年国家大呼拉尔增补和修改了蒙古银行法和商业银行法，