国有股份制商业银行信贷风险管理问题研究毕业论文.doc

毕业论文 （2010届） 国有股份制商业银行信贷风险管理问题研究 摘 要 自商业银行产生以来，风险就与之相伴、形影不离。在现代经济发展过程中，金融安全仍是国家经济安全的重要内容之一。中国的金融业以银行间接融资为主导，而且信贷资产仍占银行总资产的70%以上，且贷款收益又是商业银行的主要收入来源。因此信贷风险是我国商业银行面临的最重要风险。而如何加强商业银行信贷风险的控制，推进信贷风险管理机制、方法和技术等方面的改革和创新，将会大大提高商业银行的收益，增强竞争力。 本论文在对国有股份制商业银行的代表工商银行的信贷风险现状进行分析的基础上，进一步从内部因素和外部因素两方面分析国有股份制商业银行信贷风险的形成原因，最后提出加强国有股份制商业银行信贷风险管理的对策，包括：完善相关的法律保障体系；加强国有股份制商业银行内部信贷风险管理组织建设；完善国有股份制商业银行信贷风险管理的外部环境；优化国有股份制商业银行信贷风险预警体系；完善信用评级制度。旨在提高信贷资产的质量，提升国有股份制商业银行的管理水平。 关键词：商业银行；信贷风险；风险管理 Abstract Since commercial banks have been the risk that go with, inseparable. In the course of modern economic development, financial security, national economic security is still an important part. Chinas financial industry as the leading indirect financing bank and bank credit assets still account for more than 70% of total assets and return on loans is the main source of income for commercial banks. Therefore, Chinas commercial banks, credit risk is the most important risk facing. And how to strengthen the control of commercial banks, credit risk, credit risk management mechanism to promote, methods and technical aspects of the reform and innovation, will greatly improve the income of commercial banks, and enhance competitiveness. Designed to improve the quality of credit assets, to enhance the state-owned joint-stock commercial bank management In this thesis, the representative of the state-owned joint-stock commercial bank Industrial and Commercial Banks credit risk based on the analysis of the current situation, further from the internal factors and external factors of both state-owned joint-stock commercial bank credit risk of the formation, Finally, the state-owned joint-stock commercial banks to strengthen credit risk management strategies include: improving the relevant legal safeguards system; strengthen the state-owned joint-stock commercial banks internal credit risk management organizations; improve the state-owned joint-stock commercial bank credit risk management, the external e