商业银行信贷风险防范的研究

论文编号:CW190  论文字数:12946,页数:18

商业银行信贷风险防范的研究

摘 要
     风险是现代经济的基本特征，信贷风险是商业银行面临的最大风险，风险防范是银行业运行和发展的永恒主题。在银行业经常存在的各种风险中，最集中的问题就是信贷风险。我国商业银行由于历史、体制及自身的原因，不良资产加速积累和积聚，集中表现为商业银行不良资产存量难以化解，增量难以遏制，普遍存在着严重的信贷风险.本文首先分析了商业银行信贷风险的表现及成因，接着阐述了其对银行体系内信贷所产生的不良影响，最后对信贷风险的防范提出了具体的对策和建议，旨在加强贷后管理，采取适当的监管制度，全面保证商业银行信贷资产运作的安全性。

关键词：商业银行；信贷风险；防范

Commercial Bank of Credit Risk

Abstract
     Risk is the basic characteristics of modern economy, credit risk is the biggest risk to commercial banks, the banking operation and risk prevention is the development of the eternal theme. Often exist in the banking sector risks, the problem is most concentrated credit risk. Commercial Bank of China due to historical, institutional, and its own reasons, to accelerate the accumulation and the accumulation of bad assets, focused on the performance of the stock of non-performing assets of commercial banks is difficult toresolve,incremental difficult to contain, the preva lence of serious credit risk. This paper analyzes the commercial banks the performance of credit risk and causes, and then elaborated on the banking system of its adverse impact of credit, the last of the credit risk prevention measures and put forward specific recommendations to strengthen the post-loan management, appropriate regulatory system, a comprehensive operation of commercial bank assets to ensure the safety of the credit.
   
Keywords: commercial banks; credit risk; preventio

目 录

1 绪 论 1
1.1 研究背景 1
1.2 理论依据 1
1.2.1 信息不对称理论 1
1.2.2 巴塞尔协议 1
1.3 研究意义 1
1.4 文献综述 2
2 商业银行信贷风险概述 3
2.1 银行信贷的含义 3
2.2 商业银行信贷风险的特征 3
2.3 商业银行信贷风险的分类 3
3 商业银行信贷风险的成因分析 5
3.1 宏观方面 5
3.2 微观方面 5
3.3 银行方面 5
3.4 企业方面 6
3.5 政府方面 6
4 商业银行信贷风险防范 7
4.1 商业银行信贷风险防范的原则 7
4.2 商业银行信贷风险防范的对策 7
4.2.1 实行“三权分立”的贷款审查组织构架 7
4.2.2 建立有效的审批流程策略 7
4.2.3 建立可靠的风险信息系统 8
4.2.4 运用风险决策模型 9
5 我国商业银行信贷风险防范的建议 11
5.1努力发展信贷资产证券化 11
5.2 加强贷后管理 11
5.3 监管机构实行审慎监管 12
6 结束语 13
参考文献 14
致谢 15