商业银行信贷风险管理的问题与对策-工商管理专业论文.docxVIP

东北大学硕士学位论文 东北大学硕士学位论文 摘要 商业银行信贷风险管理的问题与对策 摘要 信贷业务是我国商业银行主要的资产业务之一，它在为银行带来效益的同 时，也使银行面临着巨大的信贷风险，甚至威胁到银行的生存与发展。本文针对 信贷风险以及银行如何有效地进行信贷风险管理进行了阐述，同时，采用了较为 详实的银行信贷案例迸行论证。针对实际的信贷风险管理工作中存在的问题提出 了相应的对策，对提高银行信贷风险管理水平、提高银行信贷资产质量具有现实 意义。 首先本文从理论上论述了信贷风险以及信贷风险管理，其次通过沈阳华新国 际实业有限公司及其贷款项目评价的实际案例，详细阐述了银行是如何通过对借 款人及其贷款项目的评价，从贷款发放环节入手进行信贷风险管理的，并对其中 存在的四方面问题提出自身的看法，即从行业风险评级、量化指标建立、减少信 息不对称影响和加强内部制度建设、外部行业规范改善几方面提高银行对信贷风 险的控制与处理的能力，化解风险、提高收益，增强银行的竞争力。 本文在研究过程中，分析和总结了银行信贷业务工作中的经验与教训，需要 说明的是，本文有别于一般企业的财务分析与项目可行性研究，是从银行视角出 发，着重分析和判断企业财务状况与贷款项目所带来的信贷风险是否为银行所接 受和控制，并据此做出贷款决策。 关键词信贷风险信贷风险管理贷款评估 ．II． 东北大学硕士学位论文 东北大学硕士学位论文 ABSTRACT The problems and solutions about commercial banks’ credit risk management Abstract Credit loan is one ofthe main functions ofa banker．It produces the sort ofprofitable result as well as brings huge credit risk to a banker,even threatens its existence and development． Theoretical citing was studied for credit risk and credit risk management，meanwhile practical cases were proposed and analyzed in the dissertation．On the base above，relative strategies were proposed to solve the problems that exist in credit risk management，which is meaningful for improving the credit risk management’S level and our commercial banks’assets quality． First，the dissertation cites the credit risk and the credit risk management in theory．Second，by citing an example：the evaluation about Shenyang Huaxin limited company and its credit item，it explains how a commerciai bank deals with the credit risk managemem in the procedure of offering loan and inputs author’S own idea about the four questions existing in the procedure，that is trade risk appraisement,credit me∞urement，reduce the effect of information unbalance， institution about the credit risk management and trade standard improvement,on base of it, improves the ability ofcontrolling and reducing credit risk。 The dissertation is from the angel of a commercial bank to deal with the analysis of company’S financial statements and the evaluatio