商业银行信贷风险管理研究.docVIP

PAGE 商业银行信贷风险管理研究 摘要：当前，商业银行最关心的是信贷业务所带来的风险和控制。作为一个相对较新的学科，金融专家、企业、不同行业的人士对风险管理越来越重视。风险是银行业和整个金融风险行业最重要的一种形式，信贷风险管理关系到商业银行的整体改革和发展潜力，同时也是一项重要的防控机制，是金融机构和监管部门的主题和核心内容。随着中国经济结构的调整和经济速度下降，商业银行的信贷风险管理正面临着重大的挑战。这说明，商业银行信贷风险管理扮演着无比重要的角色。本文的研究对象是商业银行的信贷风险管理，对信贷风险存在的问题不断地进行剖析，最终得出相对应的解决方案，希望对提升我国商业银行信贷风险管理水平起到积极的推动作用。 关键词：商业银行，信贷风险，信贷管理 Research on credit risk management of commercial Banks Abstract：At present, commercial banks are most concerned about the risk and control of credit business. As a relatively new discipline, financial experts, enterprises, people in different industries pay more and more attention to risk management. Risk is the most important form of the banking industry and the entire financial risk industry. Credit risk management is related to the overall reform and development potential of commercial banks. It is also an important prevention and control mechanism and the theme and core of financial institutions and regulatory authorities. With the adjustment of Chinas economic structure and the decline of economic speed, the credit risk management of commercial banks is facing great challenges. This shows that management plays an extremely important role in the credit risk of commercial banks.The research object of this paper is the credit risk management of commercial banks. The problems of credit risk are continuously analyzed, and the corresponding solutions are finally obtained, hoping to play a positive role in promoting the level of credit risk management of commercial banks in China. Keywords：Commercial bank, Credit risk, Credit management 目 录 TOC \o 1-3 \h \u 15425 第1章 绪 论 1 2327 1.1 研究背景和意义 1 6055 1.1.1 研究背景 1 303 1.1.2 本课题的研究意义 2 26524 1.2 文献综述 3 25398 1.2.1 国内研究 3 23543 1.2.2 国外研究 3 1654 1.3 课题研究方法和内容 4 608 1.3.1 研究方法 4 12123 1.3.2 研究内容 4 19827 第2章 商业银行信贷风险管理基本理论概述 5 11907 2.1 信贷风险的概念 5 6651 2.2 信贷风险形成的原因 5 10639 2.2.1 信用风险 5 19215 2.2.2 利率风险 6 25418 2.2.3 操作风险 6 7194 2.2.4 流动性风险 6 17941 2.3 商业银行信贷风