514关于商业银行流动资金贷款业务的调查研究报告修改后.docVIP

- PAGE . z 关于商业银行流动资金贷款业务的调研报告 ——以广发银行**分行西城支行为例 摘要：我国流动资金贷款业务一直处于不理想状态,信贷资产质量不高、信贷构造不合理一直是我国大小商业银行中经济金融存在的突出问题。寻找商业银行中存在的问题，找出问题的原因，一边更好的研发适用于商业银行的改革措施，有限方法，从而从根本上完善其商业银行的流动资金贷款业务，以便增强其竞争力,使我国商业银行在中国经济加速融入世界经济的进程中防止不必要的失误。 本文以以广发银行**分行西城支行为例，分析了该银行的开展现状，在开展中存在的问题和以至于这些问题的原因，从而提出相关改良措施和方法等。并提出如何改善银行内部相关业务管理流程、开发新型金融产品、开拓新的信贷市场等方式,大力拓展银行流动资金贷款业务的开展。以便为以后商业银行的开展提供借鉴，为以后的一行改革提供信息。 关键词：商业银行；流动资金贷款业务；广发银行**分行西城支行 Abstract: the working capital loan business in our country has been in not ideal, the credit asset quality is not high, unreasonable credit structure has always been the size of the mercial Banks in China of problems e*isting in the economic and financial. To find the problems e*isting in the mercial bank, find out the cause of the problem, while a better research and development applicable to mercial banks reform measures, limited method, so as to fundamentally improve the working capital loan business of mercial Banks, in order to enhance its petitiveness, to make our country mercial bank in Chinas economy accelerates the process of integration into the world economy to avoid unnecessary mistakes. Based in guangdong development bank guangzhou branch *icheng branch as an e*ample, analyzes the development status quo of the bank, the problems e*isting in the development of and that the reason for these problems, and puts forward relevant improvement measures and methods, etc. And put forward how to improve internal related business management processes, development of new financial products, to e*plore new ways, such as credit markets, vigorously develop the development of bank liquidity loan business. In order to provide reference for the development of mercial Banks after, a line of reform to provide information for later. Key words: mercial Banks; Working capital loan business; *icheng branch, guangdong guangzhou branch 我国商业银行的流动资金贷款概况 随着金融体制改革的深入进展和我国参加WTO后经济环境的变化, 伴随着银行体制改革不断推进,我国商业银行信贷管理在开展过程中借鉴了国