国有商业银行信贷风险控制研究以安徽建行为例.doc

摘 要 向金融机构申请借贷，是当下中国的新经济形态。在银行类金融机构开辟新业务产品的当下，业界面临多重考验，如在经济形势下行的情况下，面对不同贷款群体，需采取相应措施。此外，客户群体的信用具有落差性，而银行的经营宗旨则起着关键性作用。 本文通过研究相关理论及国内外文献，阐述了信贷管理理论及原则，分析了国内外信贷管理的差距，并指出其弊端，对银行的运行问题、监督机制等问题进行考察，集中反映在信贷基础工作比较薄弱、信贷档案资料严重短缺、内部控制机制尚不健全、工作人员道德意识低下、审核制度缺陷显现、企业信用能力不足，以上情况，都令人们开始意识到问题的严重性，从而不得不加强危机意识，注重信用借贷的管理。 在简要介绍信贷管理研究成果的基础上,以国有商业银行信贷管理为案例，通过对其信贷业务管理制度建设情况、信贷管理体系及管理架构建设情况等方面的研究，对银行机构工作环节导致的绩效考核、风险防范、审计抽查方面进行考察，分析出信贷业务存在的种种不良现状，如出现信任误导、管理滞位、信贷考察不足而引发的决策失误、抵押手续不健全、贷中审查不尽职、贷后管理不严谨、员工道德风险等诸多问题。 鉴于以上因素，重新构建了调节国内信贷机构的内外管理机制：改进信贷管理组织框架；逐步形成全新的经济信用体制；优化信贷充许标准；制定有效的安全性产品。为实现重构方案提出了五项改进措施：实行全面风险管理；加大对宏观政策和行业研究，及时调整信贷政策；建立风险文化；拓宽不良贷款化解途径；完善信贷倒追严查制度。其目的是在提升金融管理目标，减少不良的欠款事件，使得银保等金融机构在合法、合理的经济形态下稳定发展，加强全民信用意识，减少当前国有经济高风险形成。 关键词：信贷管理，金融机构，风险问题，解决策略 Abstract Applying for loans to financial institutions is a new economic form in China. In the banking financial institutions to open up new business products of the moment, the industry is facing multiple challenges, such as in the case of the economic situation down, in the face of different loan groups, the need to take appropriate measures. In addition, the customer groups credit has a gap, and the purpose of the banks business plays a key role. The through the study of relevant theory and literature at home and abroad, expounds the credit management theories and principles, analyzes the gap between domestic and foreign credit management, and points out its disadvantages, on the banks operation and supervision mechanism were investigated, reflected in the credit foundation work is weak, serious shortage of credit archives, imperfect internal control mechanism, staff moral awareness is low, audit system defects appear, enterprise credit ability insufficient, above, makes people began to realize the seriousness of the. As a result, we have to strengthen crisis consciousness, knowledge, pay attention to credit management. In the brief introduction of credit management research based, to credit management of the state-owned commercial banks