论国有商业银行信贷风险管理研究-金融学专业论文.docxVIP

论国有商业银行信贷风险管理内容提要 论国有商业银行信贷风险管理 内容提要 商业银行是负债经营的高风险行业，信贷风险管理一直是西方商业银行核心 业务管理之一。正是因为这一实践的需要，推动着信贷风险管理理论不断向前发 展，从18世纪的真实票据论发展到目前的资产负债比例管理；信贷风险管理工 具从最初的商业票据抵押发展到现在的信用衍生产品。 就我国而言，国有商业银行的现代企业制度正在逐步建立，信贷风险管理已 被提到重要议事Et程，恢复了其原本的核心业务角色。但我国信贷风险管理的现 状是：一方面，国有商业银行不良贷款数额巨大，资本充足率低于规定标准，资 产利润率低于世界平均水平；另一方面，信贷风险管理的技术薄弱，体制不完善， 信贷管理、信用环境有待于改善。 因此，本文从理论探讨和现实分析的角度，分五章对国有商业银行信贷风险 管理问题进行研究。介绍了信贷风险和信贷风险管理的概念内涵，简要回顾信贷 风险管理理论的发展及我国信贷风险管理的历史沿革；全面分析了我国信贷风险 管理的现状，存在的问题和面临的挑战，并就当前信贷风险管理的重中之重—— 不良贷款问题进行深入现状分析。最后，结合我国信贷风险管理的现实问题提出 解决对策。 关键词：国有商业银行、信贷风险、风险管理 AbstractCommercial Abstract Commercial banks belong to an industry of high risk，with their operation being based on borrowing，and credit risk management is always one of core businesses in the operation of commercial banks in western countries．The necessity of credit risk management pushes the continuous development in this field．With the theories developing from the real notes theory to current asset／liability ratio management，the instruments of credit risk management alSO advance from the primary commercial notes mortgage to the credit derivatives these days． NOW the modern corporation system of state—owned commercial banks is being established gradually in our country．The credit risk management has already been mentioned in the schedule as one of the main issues and recovered its original role of being a core business．But the practice of credit risk management in our country is meeting two current big problems．0n the one hand，in state—owned commercial banks the amount of bad loans is still in a huge number，the capital adequacy ratio is below the stipulated standard and the profit to asset ratio is alSO less than the average level in the world．0n the other hand， the techniques of credit risk management which could be used nOW are very weak，the whole operation system has not been well—completed yet， and the social，legal，credit environment still need be highly improved． Therefore，this paper focuses both on the theoretical exploration and pract