我国商业银行信贷风险监管存在的问题及对策分析论文

本科毕业论文（设计）

题目：我国商业银行信贷风险监管存在的问题及对策分析

学 院： 中央广播电视大学 专 业： 经济学 学 号： 0911001259404 姓 名： 王萌 指导教师： 鲁志贤

2012年 04 月 29 日

目 录

内容摘要 ················································································································ 2 前言 ······················································································································· 3 1.商业银行信贷风险监管的意义 ·············································································· 4 1.1实现信贷资金安全性、流动性与盈利性的需要 ················································ 4 1.2提高银行竞争能力的需要 ··············································································· 5 1.3保护金融消费者权益，支持实体经济发展需要 ················································ 5 2.我国商业银行信贷风险监管现状 ·········································································· 5

2.1事前风险防范和预警机制缺乏 ······································································· 5 2.2信贷风险量化管理方法落后 ··········································································· 6 2.3信贷风险控制手段单一 ·················································································· 6 2.4信贷风险补偿机制不健全 ·············································································· 7

3.商业银行信贷风险产生的原因 ·············································································· 7

3.1宏观经济环境影响 ························································································· 7 3.2企业经营风险影响 ························································································· 7 3.3银行自身原因 ······························································································· 8 3.4其他因素影响 ······························································································· 8

4.商业银行信贷风险的监管对策 ·············································································· 9

4.1完善内控制度建设、强化内控机制 ································································ 9 4.2加强信贷风险的监测与监督 ··········································································10 4.3完善银行内部审计制度和岗位建设 ·······························································10 4.4保证内审人员素质和数量,以规范化的制度促进内部审计工作的完善，树立商

业银行内部审计的权威 ·············································································10

总结 ······················································································································10 参考文献 ···············································································································11 致谢 ······················································································································11

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摘要:

金融是现代经济的核心，金融业的健康发展关系到整个国民经济的良好运行。银行业作为经营货币信用的特殊企业，自身就具有内在的风险性特点，随着全球金融一体化进程加快和我国银行业改革发展进一步深入，银行业竞争日趋激烈，我国商业银行所面临的经营风险也不断增大。当前我国执行的是分业经营的金融政策，商业银行资产业务中约70％是贷款业务，因此，贷款风险是目前我国商业银行面临的主要风险。对信贷风险进行深入地分析、研究，提出防范和化解风险的措施、办法，不仅对商业银行的生存发展具有重要的战略意义，而且对整个国民经济的健康、持续、快速发展具有重要的意义。

关键词：

商业银行 信贷风险 对策 监管 控制

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