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论文编号：	1463
作者编号：	2120072126
上传时间：	2009/12/15 13:46:06
中文题目：	基于四个维度分析的我国商业银行信贷风险管理研究
英文题目：	The research of China’s commercial banks risk managementbased on four-dimension analysis
指导老师：	王全喜
中文关键字：	商业银行 信贷风险 风险管理 四维度分析
英文关键字：	Four-dimension analysis Risk management Credit risk
中文摘要：	摘 要 随着我国经济社会持续健康稳定发展，我国商业银行改革日渐深化，银行经营水平和风险管理水平逐步提高。商业银行的信贷风险直接决定商业银行整体风险，商业银行风险主导金融业风险，金融业风险会威胁经济发展、社会稳定。我国加入WTO后，国外的大型跨国银行纷纷抢滩登陆，我国商业银行将面临更为复杂的竞争环境和经营管理压力，国外大型商业银行具有雄厚的资本、品种多样的金融产品，还有完善的信贷风险管理体系。而我国商业银行市场化改革时间短，在运用风险管理技术、内部控制制度建设等方面存在着诸多缺陷，不利于我国商业银行参与国际金融市场的竞争。因此，加强商业银行信贷风险的管理是参与国际金融市场激烈竞争的基础，更是维护我国金融体系安全与稳定的重要举措。因此，开展我国商业银行信贷风险管理研究，提高我国商业银行信贷风险管理水平，己经刻不容缓。 本论文首先从信贷风险管理研究背景入手，对银行信贷风险管理的理论作了概述并简要介绍了巴塞尔协议在银行信贷风险管理中的重要作用。其次，分析了我国商业银行信贷风险管理存在的问题，并剖析了问题的原因。然后，重点地提出的银行信贷风险管理“四维分析”的概念，结合我国商业银行信贷风险管理现状从行业维度、区域维度、客户维度、产品维度四个维度对此进行全面系统的信贷政策体系分析，并结合一些具体事例进行例证说明，通过这四个维度对信贷风险管理进行全面、系统、完整的分析评价，以达到提高商业银行信用风险管理水平和风险控制水平的目的。最后，A商业银行运用银行信贷风险管理四维分析方法进行了一些实践，以信贷业务经营发展和风险控制为经，以信贷风险管理“行业维度、区域维度、客户维度、产品维度”四个维度相互紧密联系为纬，相互配合，探讨完善我国商业银行信贷风险管理的思路。在研究过程中，运用了管理学、金融学、组织行为学、统计学等学科中的知识原理，采用了理论研究和案例分析并重的方式，在问题的研究上采取定性分析和定量分析相结合的方法。从实际出发，探索性地提出该行加强、改进信贷风险管理的基本原则思路以及具体措施。
英文摘要：	Abstract With steady and healthy development of economy and society in our country, the reform in commercial banks is deepening and the level of management and risk control is being improved. Credit Risk of commercial banks leads to the whole risk of commercial banks which dominates the risk of finance. The risk of finance would threaten the development of economy and Social stability. After China's accession to WTO, almost all the large multinational banks have entered China with strong capital, broad range of financial products and a sound credit risk management system, which made the commercial banks of China face a more complex competitive environment and more management pressures. It is not long for the market-oriented reform of China's commercial banks. So there are many shortcomings in the application of risk control techniques and construction of internal control system all of which are not conducive to China's commercial banks to participate in the competition of the international financial market. Therefore, the strengthening of credit risk control of commercial banks is not only the basis of participating in international financial market but also an important measure to maintain security and stability of China's financial system. Therefore it is urgent for China’s commercial banks to study the control of credit risk to improve the credit risk management. First the paper starts with the research of the background of bank credit risk management, briefly introducing the research ways and structures of the paper. It gives an overview of the Bank Credit Risk Management theory and introducing the important role of Basel Accord. Secondly, analysis on credit risk management of China’s commercial banks, pointing out that the commercial banks is of many problems. Then proposing of "four-dimensional analysis" concept is a kind of probe to the Refinement of bank credit risk management. From four aspects of industry dimension, the regional dimension, the customer dimension, product dimension bank credit risk management are described with some cases, this part is the core of the paper. Through the comprehensive, systematic and complete analysis and evaluation, the objects of improving the commercial bank's credit risk management and risk control level can be achieved. Finally, at the end of the paper using "four-dimensional analysis" in the practice commercial bank A tries to explore improved credit risk management ideas. In the paper using of management science, finance, organizational behavior, statistics and other disciplines of knowledge theory, using the ways of the theoretical research and case studies. On the research of the problems taking qualitative and quantitative analysis methods. Proceeding from reality and exploring the manner proposed by the bank to strengthen and improve the basic principles of credit risk management ideas, as well as specific measures.
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