商业银行房地产信贷风险预警模型建立.doc

湖南交通职业技术学院 毕业论文 商业银行房地产信贷风险预警模型建立 学生姓名：陈文娟 年级专业：2011级会计专业 指导老师：黄祺 学 院：物流管理学院 湖南.长沙 提交日期：2013年11月6日 目录 摘要······································································1 第一章 绪论·································································2 1.1 研究背景及现实意义·······················································2 1.1.1 研究背景·····························································2 1.1.2 现实意义·····························································2 1.2 国内外研究现状···························································3 1.2.1 国内研究现状·························································3 第二章 信贷风险相关理论···················································4 2.1 信贷风险的相关概念·······················································4 2.1.1 信贷风险的定义························································4 2.1.2 信贷风险预警的定义···················································4 2.2 信贷风险的特征···························································4 2.2.1 信贷风险具有不确定性··················································4 2.2.2 信贷风险具有双面性····················································4 2.2.3 信贷风险具有积累性····················································5 第三章 商业银行信贷风险影响因素分析······································6 3.1 财务因素分析·····························································6 3.1.1 企业偿债能力·························································6 3.1.2 企业营运能力·························································6 3.1.3 企业现金流量能力·····················································6 3.2 非财务因素分析···························································7 3.2.1 行业风险因素···················································