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论文编号：	14619
作者编号：	2320213878
上传时间：	2024/6/4 22:28:56
中文题目：	M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 in the M Commercial Bank
指导老师：	姚颐
中文关键字：	商业银行；信贷风险；信贷风险管理；
英文关键字：	Commercial banks；Credit risk；Credit risk management
中文摘要：	自银行诞生以来，如何控制信贷风险就是银行业一个亘古不变的主题。商业银行的经营利润来源于向社会公众吸收的存款与向资金需求方发放的贷款之间的利差。银行杠杆具有双重性，一方面，商业银行自身不需要庞大的资本金就可以获取大额利润；但是另一方面，商业银行如果不能合理有效地控制信贷风险，当信贷资产出现不良、坏账的时候，商业银行不仅不能获取利润，核心资本金也会受到侵蚀，严重时更会导致商业银行面临破产危机。商业银行信贷风险管理的主要目的是为了防范信贷风险，确保商业银行信贷资产的安全。如果商业银行因信贷风险管理出现问题破产倒闭将会导致整个金融领域陷入恐慌情绪，最终不可避免地影响整个社会的经济发展，2008年世界金融危机就是血淋淋的案例。LPR市场化利率改革带来的商业银行存贷利差不断缩窄以及互联网金融的蓬勃发展进一步侵蚀我国商业银行的利润空间。三年新冠疫情对企业的生产经营产生了严重冲击，实体经济的不景气通过传导不断影响着我国商业银行的正常经营发展，有效防范信贷风险是商业银行能否在严峻经济形势下生存并实现高质量发展的关键。本文对商业银行面临的信贷风险和信贷风险管理中的相关理论进行了详细介绍，同时以M商业银行信贷客户X公司为切入点，对M商业银行在信贷风险管理方面暴露出的问题及成因进行了深入剖析，并基于M商业银行实际情况提出了一些优化建议，旨在增强M商业银行抵御信贷风险的能力。
英文摘要：	Since the birth of the bank, how to control the credit risk is an eternal theme. The profit of the commercial bank comes from the spread between the loan rate and saving rate. Bank leverage has a dual character. On the one hand, the commercial bank do not need huge capital to obtain large profits; On the other hand, if the commercial bank cannot reasonably and effectively control credit risks, when non-performing loans or bad debts occur, the commercial bank will suffer core capital erosion, and in serious cases, the commercial bank will face bankruptcy crisis. The main purpose of credit risk management of the commercial bank is to prevent credit risk and ensure the safety of credit assets. If the commercial bank goes bankrupt due to credit risk, it will lead to panic in the entire financial sector, which will inevitably affect the economic development of the society. The world financial crisis in 2008 is a bloody case. The narrowing interest rate spread of the commercial bank brought by the market-oriented interest rate reform of LPR and the booming development of Internet finance further erode the profit margin of Chinese commercial banks. In the past three years, the COVID-19 epidemic has had a serious impact on the enterprises, and the depression of the real economy has continuously affected the normal operation and development of China's commercial banks through the transmission. Preventing credit risks effectively is the key to whether commercial banks can survive in the severe economic situation and achieve high-quality development. This paper makes a detailed introduction to the credit risk faced by the commercial bank and the relevant theories in credit risk management. At the same time, taking the Company X, the credit customer of the M commercial bank, as the entry point, makes a deep analysis of the problems exposed by the M commercial bank in credit risk management and their causes, and puts forward some suggestions based on the actual situation of the M commercial bank. The aim is to strengthen the ability of M commercial bank to resist credit risk.
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