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论文编号：	10626
作者编号：	2120162857
上传时间：	2018/12/7 15:59:29
中文题目：	GJ农村商业银行信贷风险管理优化研究
英文题目：	Research on the Optimization of Credit Risk Management of GJ Rural Commercial Bank
指导老师：	张耀伟
中文关键字：	农村商业银行；信贷业务；信贷风险管理
英文关键字：	Rural Commercial Banks；Credit Business；Credit Risk Management
中文摘要：	伴随着经济环境的变化，不良贷款在我国商业银行的比重居高不下，信贷资产质量不断恶化，银行业抗风险能力较低。商业银行不断突出的信贷风险问题导致其经营风险不断增大，已严重影响到了我国经济金融的稳健发展。作为市场经济重要的参与主体，商业银行的信贷风险是商业银行最核心的风险，也是各金融机构着重防范和严控的对象。而由信贷业务所产生的信用风险也同样是各类银行关注的重点。 我国农村商业银行作为扶持地方经济发展、服务三农等方面的重要载体，在我国农村金融体系中发挥了重要作用。我国农村商业银行是在原有的农村信用社的基础上改制而来，是我国农村金融机构体系的重要组成部分。它是在农村信用社的基础上，由民营企业、股份公司、有限责任公司、自然人等其他经济类型出资组成的地方股份制银行。随着金融体制改革不断深化、利率市场化等，商业银行竞争激烈，市场环境严峻，导致我国农村商业银行的生存压力日益增长。加上金融监管力度进一步加大，对农村商业银行的信贷风险管理构成了新的压力和挑战，且在风险管理上也提出了更高的要求。 本课题基于上述现实背景，以GJ农村商业银行为研究对象，深入案例银行进行了调研，探究了其在信贷风险管理的现状及存在的问题。通过分析，为GJ农村商业银行的信贷风险管理提供了优化建议。为国内银行提供了一定的借鉴和参考。
英文摘要：	With the continuous development of economic environment, the credit quality of commercial bank in China become worsening, for the excessive proportion of non-performing loans. The increasing risk lead to the declining of the reducing anti-risk ability. The credit risk of commercial bank in China has caused the increasing operating risk of commercial banks, which create a bad effect on the stable development of China’s finance and economics. As an important participant in the market economy，credit risk has always been the most important risk in the banking industry. Besides, credit risk is also the vital object what the financial institutions need to prevent and control. The credit risk caused by banking credit business and the control of the risk has always been the most important problem commercial banks face to. As an important participant of supporting local economic development and serving agriculture, rural commercial banks play an important role in the rural financial system. China's rural commercial banks are reformed on the basis of the original rural credit cooperatives, and are an important part of China's rural financial institutions. It is a local joint-stock bank composed of private enterprises, joint-stock companies, limited liability companies, natural persons and other economic types on the basis of rural credit cooperatives. With the deepening of financial system reform and the marketization of interest rate, the fierce competition of commercial banks and the severe market environment have led to the growing pressure on the survival of rural commercial banks in China. With the further intensification of financial supervision, the credit risk management of rural commercial banks has become a new pressure and challenge, and put forward higher requirements on risk management. Based on the above realistic background, selects GJ rural commercial bank as the research object.This paper analyzes overall situation of credit risk management of rural commercial bank and optimize the credit risk management. So as to provide certain reference for domestic small banks.
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