商业银行信贷风险管理问题的研究
摘要
信贷风险历来是银行业乃至整个金融业最主要的风险形式，是金融机构和监管部门防范与控制的主要对象和核心内容。银行信贷业务所带来的信用风险及其控制也一直是商业银行最为关注和棘手的问题。商业银行的贷款风险是客观存在的。由于我国商业银行的贷款市场发育的不成熟，也由于政策因素、经济环境因素的影响商业银行贷款面临着诸多的风险。银行作为经营货币商品的特殊企业,贷款是其一项重要的业务。在一笔贷款放出以后,银行出让了资金使用权,加之各种因素未来变化的不确定性,使风险的产生成为不可避免。如果贷款不能按期归还,则直接影响了银行的经济效益。由此可见,贷款的风险管理是十分必要的。本文选择我国商业银行各个支行贷款风险管理为研究对象，依据专家的有关理论和相关学说，讨论商业银行贷款存在的风险。本论文针对这些风险进行研究，并提出相应的风险管理对策。
关键词：信贷风险 商业银行 金融业
Abstract
Credit risk has always been the banking industry and the whole of the most important forms of risk in the financial sector, the main object of the prevention and control of financial institutions and regulatory authorities and the core content. Bank credit business, credit risk and its control has been the commercial banks the most attention and intractable problem. Commercial bank loans risk is an objective reality. Policy factors, economic and environmental factors commercial bank loans due to the immaturity of the loan market development of China’s commercial banks, faced with many risks. Bank loan is an important part of its business as a special enterprise operating monetary commodity. After the release of the loan, the bank has to sell the right to the use of funds, coupled with the uncertainty of future changes in the various factors, the generation of risk becomes inevitable. If the loan is not repaid, the direct impact on the economic benefits of the Bank. Shows that loan risk management is essential. The Keshan Branch of China’s Industrial and Commercial Bank Loan Risk Management for the study, based on the relevant theory and doctrine of experts to discuss the risks of commercial bank loans. This thesis is to study these risks and propose appropriate risk management strategies.
Keyword Credit risk financial sector
目 录
1 综述…………………………………………………………………………………………………………….. 3
1.1 本文研究目的与意义………………………………………………………………………………. 3
1.2 国内外研究现状…………………………………………………………………………………….. 4
1.2.1 国内研究现状……………………………………………………………………………….. 4
1.2.2 国外研究现状……………………………………………………………………………….. 5
1.3 本文研究方法………………………………………………………………………………………… 6
2 基本理论概述………………………………………………………………………………………………… 6
2.1 信贷风险的概念…………………………………………………………………………………….. 6
2.2 商业银行信贷风险概述……………………………………………………………………………. 7
2.3 商业银行信贷风险的特征………………………………………………………………………… 7
2.3.1 客观性………………………………………………………………………………………… 8
2.3.2 隐蔽性………………………………………………………………………………………… 8
2.3.3 可控性………………………………………………………………………………………… 8
2.4 商业银行信贷的风险………………………………………………………………………………. 8
2.4.1 操作风险……………………………………………………………………………………… 8
2.4.2 担保风险……………………………………………………………………………………… 9
2.4.3 道德风险……………………………………………………………………………………… 9
2.5 商业银行信贷风险管理理论……………………………………………………………………… 9
2.5.1 资产管理理论……………………………………………………………………………… 10
2.5.2 负债管理理论……………………………………………………………………………… 10
2.5.3 资产负债管理理论……………………………………………………………………….. 11
3 商业银行信贷风险管理存在的问题…………………………………………………………………… 12
3.1 商业银行的监管存在缺陷………………………………………………………………………. 12
3.2 需求方固有低估贷款风险的意识倾向……………………………………………………….. 12
3.3 信用体系建设落后………………………………………………………………………………… 13
3.4 银行信息不对称…………………………………………………………………………………… 13
3.5 风险评估体制不健全…………………………………………………………………………….. 14
4 解决商业银行信贷风险管理问题的对策…………………………………………………………….. 14
4.1 建立和完善信用体系…………………………………………………………………………….. 14
4.2 合理安排商业银行资产的流动性……………………………………………………………… 15
4.3 认真审核，防范抵押风险………………………………………………………………………. 15
4.4 完善商业银行信息管理………………………………………………………………………….. 16
4.5 完善银行的风险评估…………………………………………………………………………….. 17
5 结论……………………………………………………………………………………………………………. 17
6 参考文献……………………………………………………………………………………………………… 18
7 致谢……………………………………………………………………………………………………………. 20
8 附录 ………………………………………………………………………………………………………….. 21
