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论文编号：	4079
作者编号：	2220100819
上传时间：	2012/3/15 14:22:37
中文题目：	北京银行信贷风险控制研究
英文题目：	Research on the Credit Risk Control of the Bank of Beijing
指导老师：	李莉
中文关键字：	信贷风险,风险控制,综合信贷管理系统,北京银行
英文关键字：	Credit Risk, Risk Control, Integrated Credit Management System, Bank of Beijing
中文摘要：	随着国际金融业的不断发展，商业银行的风险控制能力提出越来越成为影响商业银行生死存亡的核心竞争力。与国际先进商业银行相比，我国商业银行风险管理机制较为落后。2006 年底，我国入世后对国有银行业的保护期己结束，中国商业银行直面激烈的国际金融业竞争。同时，商业银行及股份制银行纷纷实现海内外上市融资，对风险控制能力和风险管理机制提出了新的要求。因此，要应对国际银行业的激烈竞争，要形成自身的核心竞争力，我国银行业就必须积极借鉴先进的风险管理经验，完善风险管理机制，全面提升风险管理能力。从微观上讲，银行作为融资中介，投资者的任何决策、管理、操作者的任何操作失误，都会给银行资产带来损失。从宏观上讲，经济的非均衡发展是常态，均衡发展是非常态。在经济运行中，由于各种不确定因素，国家很难达到社会总需求、积累与消费、经济结构等各项经济社会指标平衡。商业银行作为金融产业，必然要受到国家货币政策、产业结构调整、对外政策、国内外政治经济环境等因素的影响，因此，无论是从宏观的角度还是从微观的角度，银行面临各种各样的风险是必然的。信贷风险是我国商业银行的主要风险，目前我国商业银行的信贷风险控制水平偏低，传统的信贷风险管理缺乏系统性，导致我国商业银行信贷资产质量普遍较差，严重影响了银行的收益。本文结合信贷风险和信贷风险控制的相关理论为基础，对北京银行信贷风险控制进行研究。在分析北京银行信贷风险控制现状以及存在问题的基础上，针对这些问题，结合相关的理论，阐述了北京银行信贷风险控制的整体方案。并且，理论联系实际，用三个案例来说明北京银行信贷风险控制方案的实施效果。北京银行做为商业银行的代表，对其信贷风险控制进行深入研究有一定的现实意义，可以为其他商业银行的信贷风险控制建设提供一定可行性建议。
英文摘要：	With the continuous development of the financial sector, commercial bank's risk management ability of commercial banks have increasingly become the core competitiveness of life and death. With the international advanced compared to commercial banks, commercial banks in China is lagging behind the risk management mechanism. By the end of 2006, China's accession to the WTO after the period of protection of state-owned banking sector has ended, China's commercial banks face fierce international competition in the financial industry. At the same time, state-owned commercial banks and joint-stock banks have listed at home and abroad to achieve the financing, risk control and risk management mechanisms of the new requirements. Therefore, in order to cope with fierce competition from international banking industry, it is necessary to form the core of its competitiveness, China's banking industry must actively draw on advanced international banking experience in risk management, a sound risk management mechanism, enhance risk management capabilities. Speaking from the micro-banks as a financial intermediary, investors in any decision-making, management, the operator of any operational errors, it will cause losses to the bank assets. From a macro sense, the non-balanced economic development is the norm, the norm of non-balanced development. In the economic operation, due to various uncertainties, the state is very difficult to achieve total social demand, accumulation and consumption, such as the economic structure of the balance of economic and social indicators. Commercial banks as a financial industry, will inevitably be subject to national monetary policy, industrial restructuring, foreign policy, domestic and international political and economic environment factors, therefore, be it from a macro point of view or from the microscopic point of view, banks face a variety risk is inevitable. The credit risk of commercial banks in China's major risks, is currently China's commercial banks is the low level of credit risk control, the traditional lack of systematic credit risk management, resulting in China's commercial banks generally poor quality of credit assets, seriously affected the income of banks. In this paper, based on the theory of credit risk and credit risk control, we study credit risk control of the Bank of Beijing. Bank of Beijing in the analysis of credit risk control current situation and existing problems on the basis of these problems, combined with related theory to explain the Bank of Beijing's overall credit risk control program. Theory with practice, we use three cases to illustrate the implementation of the program results that credit risk of the Bank of Beijing control. Bank of Beijing as a representative of small and medium banks, studying credit risk control deeply has some practical significance, for other commercial bank's credit risk control construction to provide a feasibility proposal.
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