联系我们

论文查询结果	返回搜索

论文编号：	1117
作者编号：	2220070559
上传时间：	2009/6/8 22:20:38
中文题目：	我国商业银行信贷风险体系研究
英文题目：	The Research On the Commercial
指导老师：	陈国欣
中文关键字：	巴塞尔资本协议;商业银行;信贷风
英文关键字：	Basel Capital Accord;Commercia
中文摘要：	自商业银行产生，风险就与之相伴、形影不离。随着银行业务的不断发展和市场竞争的加剧，银行风险也呈现出复杂多变的特征。当今世界经济高速向前发展，金融自由化、全球化趋势不断加强，商业银行置身于全球经济发展大潮之中，它所面临的风险复杂程度和危险程度均高于以往任何一个时期。中国是处于转型过程中的发展中国家，外部经济环境较为复杂，银行业发展还很不成熟，风险的表现形式更为特殊，这对信贷风险管理提出了更高的要求。我国商业银行要想在激烈的市场竞争中获得先机，就必须夯实管理基础，更新管理理念，转变经营方式，而这一切的实现均离不开有效的商业银行全面风险管理体系,尤其是信贷业务的全面风险管理建设和完善迫在眉睫。本文以巴塞尔资本协议为依托，结合我国商业银行风险管理现状，提出了应以风险为导向构建商业银行全面风险管理体系，使我国商业银行在激烈的银行业竞争中处于优势地位打好基础。 本文分为六章： 第一章，引言，主要介绍了文章的写作意图，研究背景以及写作方法等内容，说明了商业银行全面风险管理体系建设的必要性以及对我国商业银行稳健发展、增强竞争力的重要意义。 第二章，通过对巴塞尔协议和风险管理理论的进程发展进行回顾后，重点介绍了巴塞尔新资本协议下的全面风险管理理论对银行风险管理的启示和意义以及对我国商业银行风险管理的影响。为下文基于风险管理制度和体系的构建概况打下了理论基础。 第三章分析了我国商业银行面临的主要信贷风险，并论述了我国商业银行如何按照巴塞尔资本协议要求建设全面风险管理体系建设概况，从而达到有效控制和管理风险，促进银行健康发展，最后指出了目前风险管理体系建设过程中存在的问题和改进的地方，为下面部分提供铺设。第四章和第五章分别从巴塞尔资本协议和我国商业银行风险管理现状，从外部环境和内部管理角度指出了我国商业银行风险管理体系中存在的不足和改进方案。 本文针对我国商业银行信贷业务经营和风险管理中存在的“重贷前调查、轻贷后管理”问题，提出了应加强贷后管理，建立和完善风险预警体系，达到主动预先防治风险，促进商业银行健康、长远发展。
英文摘要：	Since the Commercial Bank came into being, risks are inextricably linked with it like a shadow all along. With the ongoing development of banking services and the increasing market competition, the bank risk also begins to present its complicated and volatile characteristics. Today’s world economy is advancing at high speed and the financial liberalization and globalization tendency are more and more remarkable. Commercial Bank is involved in such a huge tide of global economy development and the complexity of the risks and dangers it faces are higher than any time in history. China is a developing country in its transitional stage with a relatively complicated external economical environment and underdeveloped banking industry. Therefore, the manifestation of the risks is more special, which requires more demanding risk management. If our Commercial Bank intends to take the initiative in the intense market competition, it must lay a firm foundation in management, upgrade management concepts and renew the patterns of business operation. But the realization of all the above can be materialized without the establishment and improvement of an effective bank risk management system. In June, 2004, with the debut of Basel Capital Accord, higher request to the bank risk management is being put forward and Chinese Banking industry's reform will face new challenges. Based on Basel Capital Accord, this article is mainly about how to establish the commercial bank’s risk-oriented comprehensive risk management system by integrating with the present situation of our commercial bank risk management, attaching more importance to the daily operation and management as well as the effective risk control to raise the Commercial Bank's risk management level in our country and lay a firm foundation for the Commercial Bank to have the advantage in the intense competition of banking industry. The article includes six parts: First part, introduction. This part mainly introduces writing purpose, research background as well as writing methods adopted etc., stressing the importance of the research into the establishment of Commercial Bank risk management system for the steady development and competitiveness enhancement of the Commercial Bank in our country. Through the review on risk management and Basel Capital Accord as well as the analysis on their relations, the second part mainly points out the apocalypse and the significance of the risk management system set forth by Basel Capital Accord regarding bank risk management. The third part indicates that the grounds for the credit risk analysis difficulties and characteristics. According to Basel Capital Accord, comparison has been made to the situation of some commercial bank risk management system in our country, analyzing its development achievements and disadvantages, which is the emphasis discussed by the next part. The fourth part mainly refers to Basel Capital Accord, pointing out the insufficiency and improvement plan existing in the Commercial Bank risk management system in our country. The fifth part is to put forward the proposal for establishing the comprehensive risk management forewarning system and strengthening credit risk management in view of the problems existing in commercial bank operation that “merely emphasize on credit investigation, neglect credit management” and the procedure for loan examination and approval is excessively long etc..
查看全文：	预览  下载(下载需要进行登录)