现代商业银行信用风险分析及对策研究--以海南发展银行为例.docVIP

PAGE 现代商业银行信用风险分析及对策研究--以海南发展银行为例 摘要：随着社会经济的不断发展与融合，商业银行在我们的日常生活中扮演着不可或缺的角色，已经迅速融入到我们的日常生活中。人们与商业银行的联系也在不断地加深，很多企业和个人都会与商业银行进行业务往来，这就越来越体现出现代商业银行的信用风险的重要性。而商业银行目前所面临的最为重要的风险就是信用风险，一旦信用风险把控失去控制就会很容易造成银行资金损失而导致破产。如何清晰认识我国目前阶段商业银行的相关信用风险，提高信用风险的管理水平是目前亟待解决的问题。 本文旨在通过海南发展银行的信用风险问题作为一个案例进行研究分析，从海南发展银行的兴衰发展过程中出现的信用风险问题进行初步的分析，以便为我国现代商业银行的信用风险管理提出一定性的建设意见和指导，从而提升我国现代商业银行的竞争能力和管理水平，降低因为信用风险管理不善带来的资金问题。本文也提对现代商业银行的信用风险进行了一定程度上的原因分析，也为现代商业银行如何正确规避信用风险提出了一定的建议，希望能够帮助我国的现代商业银行更加快速平稳地发展。 关键词：海南发展银行，商业银行，信用风险 Credit risk analysis and Countermeasures of modern commercial banks -- a case study of Hainan Development Bank Abstract：With the continuous development of social economy, commercial banks play a more and more important role in our life, which has been deeply into our daily life. The relationship between people and commercial banks is also deepening. Many enterprises and individuals will do business with commercial banks, which increasingly reflects the importance of credit risk of modern commercial banks. At present, the most important risk commercial banks face is credit risk. Once the credit risk is not strictly controlled, it will easily lead to the loss of bank funds and bankruptcy. How to correctly understand the credit risk of commercial banks and improve the management level of credit risk is an urgent problem. The purpose of this paper is to study and analyze the credit risk of Hainan Development Bank as a case study, in order to improve the competitiveness and management level of modern commercial banks, and reduce the capital problems caused by poor credit risk management. This paper also analyzes the reasons for the credit risk of modern commercial banks to some extent, and puts forward some suggestions for modern commercial banks how to avoid the credit risk correctly, hoping to help the modern commercial banks of our country develop more quickly and steadily. Keywords：Hainan Development Bank, Commercial bank, Credit risk 目 录 TOC \o 1-3 \h \u 9599 第1章