中国矿业大学徐海学院毕业论文答辩及综合成绩

摘 要 在我国商业银行现行的各种风险中，信贷风险仍是主要风险。信贷市场份额的多少，管理水平的高低、风险控制能力的强弱，将直接关系到各行核心竞争力的高低和战略目标的实现。这些都使得信贷风险管理业已成为商业银行所面临的首要的战略问题。

论文对国内外学者研究商业银行信贷风险与防范的文献进行了系统梳理，阐述了信贷风险的特征，并对信贷风险的相关理论基础进行了回顾，为案例研究奠定理论框架。在理论分析的基础上，结合实习单位——苏州银行的信贷案例，分析了商业银行信贷风险的现状和成因，以及商业银行信贷风险防范的现状与防范方面存在的问题。最后，提出了加强商业银行信贷风险防范的措施：商业银行要发展为现代商业银行，必须加强风险管理，促进商业银行可持续发展，提高银行自身对风险和政策变化的预测能力，建立和完善商业银行的信贷风险预警机制，分散贷款行业、客户及区域，化解贷款集中风险，建立合理的贷款定价机制，密切关注中央银行的“窗口指导”，即先进的管理理念、完善的组织结构、规范的业务流程、全面的管理内容、有效的管理技术和严密的操作系统。将信贷风险和防范控制前移，使信贷风险的管理贯穿信贷业务的整个流程，进而降低商业银行不良贷款的形成。

关键词：商业银行；信贷风险；防范

Abstract

Commercial banks and other enterprises is to pursue the profit maximization is the ultimate business goal. The various risks in China's commercial banks in the credit risk is the main risk, because, after a considerable period of time, in our country the indirect financing dominated financial system has notfundamentally changed circumstances, deposit and loan business is still the main business of the commercial banks in China, is the fundamental survival and development the main assets, credit assets is the Commercial Bank of our country, it is also a major source of income. All these make the credit risk management has become theimportant strategic problem faced by commercial banks.

The system combs the domestic and foreign scholars to the study of commercial bank credit risk and prevention literature, expounds the features ofcredit risk, and the related theory of credit risk are reviewed, lays the theoretical framework for the case study. On the basis of theoretical analysis,combined with the practice unit -- Suzhou bank credit case, analyses the present situation and causes of the credit risk of commercial banks, and credit risk of commercial bank status and prevent problems. Finally, proposed measures to strengthen risk prevention of commercial bank credit: commercial banks will develop into the modern commercial bank, must strengthen riskmanagement, and promote the sustainable development of commercial banks,improving the ability to predict the bank's own risk and policy changes, the establishment and improvement of credit risk early-warning mechanism of commercial banks, and regional dispersion loan industry, customer, loanconcentration risk, establish reasonable loan pricing mechanism, pay close attention to the central bank's "window guidance", namely advanced management idea, perfect organization structure, standardize business process, overall management content, effective management and strictoperating system. The credit risk and prevention control forward, the entire process of the management of credit risk through the credit business, and reduce the formation of bad loans of commercial banks.

Keywords:Commercial Bank; Credit risk; Precaution

目 录

1 绪论 ........................................................ 1

1.1研究背景与研究意义 ....................................... 1

1.1.1研究背景 ........................................... 1

1.1.2研究意义 ........................................... 2

1.2国内外文献综述 ........................................... 3

1.2.1国外研究现状 ....................................... 3

1.2.2国内研究现状 ....................................... 4

1.2.3国内外研究述评 ..................................... 6

1.3研究内容与研究方法 ....................................... 7

1.3.1研究内容 ........................................... 7

1.3.2研究方法 ........................................... 7

2 商业银行信贷风险理论概述 .................................... 8

2.1相关概念界定 ............................................. 8

2.1.1商业银行 ........................................... 8

2.1.2信贷 ............................................... 8

2.1.3信贷风险 ........................................... 9

2.2商业银行信贷风险的分类 ................................... 9

2.3商业银行信贷风险的特征 .................................. 10

3 商业银行信贷风险现状及其成因分析 ........................... 12

3.1商业银行信贷风险现状分析 ................................ 12

3.1.1不良贷款占比偏高，潜在信贷风险大 .................. 12

3.1.2资金运营渠道单一，面临的风险集中 .................. 13

3.1.3信贷资产日趋集中，信贷风险增大 .................... 14

3.1.4产能过剩严重，潜在引发信贷新风险 .................. 15

3.2商业银行信贷风险的成因分析 .............................. 15

3.2.1宏观经济形势的影响 ................................ 15

3.2.2企业风险的影响 .................................... 16

3.2.3商业银行信贷风险管理水平有待提高 .................. 17

3.2.4政府融资平台信贷风险逐渐增大 ...................... 17