浅析我国商业银行信贷风险管理现状及存在的问题毕业设计论文

本科毕业设计（论文）

题目：浅析我国商业银行信贷风险管理现状及

存在的问题

摘要

随着我国经济的快速发展，银行业信贷风险正在逐渐的上升，所以解决我国商业银行信贷风险问题已迫在眉睫，否则这将严重影响我国商业银行的经营利益及我国经济的长期稳定发展。当下，商业银行信贷风险主要存在的几个问题就是银行工作人员信贷风险意识浅薄、没有健全的信贷风险预警体系及稳定的信贷人员队伍。所以本文主要是通过结合现在社会经济的发展及现有文献，来找出我国商业银行信贷风险管理主要存在的问题原因并提出有效的建议。首先，银行应该让工作人员加强信贷风险意识，尤其是信贷工作人员，并建立健全的信贷风险预警体系和管理机制，进而提高商业银行信贷风险控制水平，更有效的提高银行的经营利益。 关键字: 商业银行；信贷风险；不良贷款

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Abstract

With the rapid development of China's economy, the credit risk for the banking industry is in the rising trend, so to solve the problem of the credit risk of commercial banks in China have been imminent, otherwise it will seriously affect the long-term stable development of our economy and our country commercial bank's business interests. At present, the main problems of commercial bank credit risk are bank staff credit risk awareness shallow, no sound credit risk early warning system and a stable credit personnel team. This paper mainly through the combination of the development of social economy and the existing literature, to find out the main problems of China's commercial bank credit risk management and put forward effective suggestions. First, banks should let staff to strengthen the awareness of credit risk, especially the credit staff, and establish a sound credit risk early warning system and the management mechanism, so as to improve the commercial bank credit risk control level, more effectively improve the bank's business interests.

Key words: Commercial Bank; credit risk; bad loan

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目录

1 绪论........................................................................... 1

1.1 论文研究的背景和意义 .................................................... 1

1.1.1 研究背景 .......................................................... 1 1.1.2 研究意义 .......................................................... 1 1.2 国内外研究情况 .......................................................... 1

1.2.1 国内研究情况 ...................................................... 1 1.2.2 国外研究情况 ...................................................... 2 1.3 研究的内容 .............................................................. 2 1.4 研究的重点、难点及研究方法 .............................................. 3

1.4.1.研究重点 ........................................................... 3 1.4.2研究难点 ........................................................... 3 1.4.3研究方法 ........................................................... 3

2 商业银行信贷风险管理理论的概述 ................................................. 4

2.1信贷风险的概述 ........................................................... 4

2.1.1 信贷风险的定义 .................................................... 4 2.1.2 信贷风险的归类 .................................................... 4 2.1.3 信贷风险的主要特点 ................................................ 5 2.2信贷风险管理理论 ......................................................... 5

2.2.1 资产管理理论 ...................................................... 5 2.2.2 负债管理理论 ...................................................... 7 2.2.3 资产负债综合管理理论 .............................................. 7 2.2.4 全面风险管理理论 .................................................. 7 2.3信贷风险管理机制的构成 ................................................... 8

2.3.1 信贷风险管理机制 .................................................. 8 2.3.2 信贷风险管理机制的构成 ............................................ 8

3 我国商业银行信贷风险管理现状及存在的问题 ....................................... 9

3.1我国商业银行信贷风险管理的现状 ........................................... 9 3.2我国商业银行信贷风险管理存在的问题 ....................................... 9

3.2.1 银行内部工作人员信贷风险意识薄弱 .................................. 9

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