商业银行信贷风险测控-企业管理专业论文.docxVIP

武汉理工大学硕士学位论文Abstract 武汉理工大学硕士学位论文 Abstract With the reformation in the economic system in China going on，the position and the function of bank are increasingly outstanding in the modem economic living．But a large quantity of the non—performing loans in bank has also become an important unsteady factor in the economy circulates in our country．At the same time，a few of financial crisis have taken place in 1 990’S． causing a worldwide deep concem towards the bank risk in world scope， therefore，“how to dissolve and prevent from the bank credit risk’’has become one ofthe most outstanding missions ofthe economy reforrn and development in our cotmtry today． The Option Pricing Theory and the Asymmetric Information Theory (winning Nobel Economics Prize in 1997 and 2001 respectively)provide a new viewpoint for the people who are engaged in theories researching and practicing about the management of bank risk．This thesis comprehensively introduces these western modem risks analysis and management theories，the related model and technique method．Although some of these theories and methods can probably not be used in China at present，but with China joining the WTO，the banking will certainly be more involved in the financial globalization．And the bank’S management will be finally connected、vim the world in the ODen competition．That introducing and analyzing the modem bank risk management theories and methods in this thesis are exactly based on the foreground research on the bank joining international competition． This thesis combines the modem risk management theories with the practices in our country．Bring out that measure and control the credit risk should be take preventing as the dominant factor．Puts forward an early-warning theory of bank risk for how to measure and control the bank risk．First we must perfect the enterprise’S credit rating，particularly the influence of trade risk．Second．it is important that take an early warning research to bank self-risk．Bring uD that the