商业银行信用风险管理的国际比较研究-国际贸易学专业论文.docxVIP

ABSTRACTCredit ABSTRACT Credit risk iS one of the most ancient and important risks of commercial banks， which affects economic life of our modem society directly，and also affects macroscopic economical decision and development．With the enlargement of business scope，credit risk shows new form．Although it is a long time on the research of credit-risk management in both domestic and overseas，credit risk the biggest risk of commercial banks is still key point each country studies．Comparing with intemational banks，Chinese commercial banks still adopt traditional methods to manage their credit risk，and they just start to use numeral forms．So it is necessmy to research foreign advanced experiences，methods and thoughts on risk management，to improve the level of OurS and promote the development of our banks． This paper starts from the concept of credit-risk management，and introduces the evolution of it in”Basel Accord”．After analyzing credit·risk managements in America，Germany，Japan and Singapore，it points out the problems existing in OUr country．At last，it puts forward suggestions 0n how to strength Our credit-risk management on the base of foreign experiences and Our actual situation．This article has three parts in all： The first part consists of the first two chapters．It mainly explains some basic concepts relative to credit risk，expounds the origin of credit risk from the theory of dissymnaetrical information，and introduces the concept of credit-risk managements at the same time．Combining with”Basel Accord”，it emphases the chmages of relative regulations on how to measure credit risk，including two methods Standardized Approach and IRB Approach in‘‘The New Basel Accord”． The second part is the third chapter．It explains international commercial banks’ lnanagemeuts on credit risk，selecting four representative countries，America， Gemaany，Japan and Singapore．It brings great enlightenments to US after analyze their their advanced experiences and methods． The third part contain