我国商业银行信贷风险管理研究

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摘    要
      改革开放以来，作为经济金融体系的重要组成部分的银行业，也由单一的国家银行体系实现了向市场经济所要求的商业银行体系的过渡并得到了很大发展。但由于内外因素的影响，我国商业银行的进一步发展受到了制约。同时因为我国商业银行体系不良资产偏大，风险管理水平较低，所以在某种程度上也阻碍了金融业的发展。试着通过对我国商业银行信贷风险的表现、成因以及信贷风险管理现状和问题的具体分析，从金融制度和信贷管理手段两方面来寻求问题的解决之道。
运用的主要方法是用理论分析的方法对信贷风险管理问题进行探讨，理论联系实际，希望通过系统地对我国商业银行信贷风险的状况做出深入浅出的研究，为银行信贷风险管理的提高提供借鉴。

关键词：商业银行；信贷风险；风险管理

Abstract
        Since the reform and open policy, as the important part of the economical financial system---banking industry, has been realized from the sole state bank system to the commercial bank system transition which requests to the market economy and obtained a grate development. But because the factor influence of inside and outside, our commercial bank’s further development has received the restriction. This paper is written precisely in the background of our country commercial bank system's bad loans is bigger, the risk management level is lower, which in some kind of degree launch the further development of our country commercial bank, has analyzed our country commercial bank's credit risk performance、the origin as well as the credit risk management present situation and the problem specifically, and to solve the problem from two aspects： Financial system and the credit management method.
The method is mainly carries on the method of discussion with the theoretical analysis to the credit risk management, Applying theory to reality; hope that it can provide the model for the bank credit risk management through the research to credit risk condition of our country commercial bank.

Keywords：Commercial bank;credit risk;risk management

目    录
摘    要 ........................................................I
Abstract ........................................................II
1  绪    论..................................................... 1
1.1  研究背景................................................... 1
1.2  研究的目的和意义 ...........................................2
1.2.1  研究的目的............................................... 2
1.2.2  研究意义................................................. 2
1.3  国内外研究现状 .............................................3
1.3.1  国外研究现状............................................. 3
1.3.2  国内研究现状 .............................................3
1.4  研究的方法和内容........................................... 4
1.4.1  研究的方法 ...............................................4
1.4.2  研究的内容 ...............................................4
2  商业银行信贷风险管理理论基础 .................................6
2.1  信贷风险的定义............................................. 6
2.2  信贷风险的种类、特征 .......................................6
2.2.1  信贷风险的种类 ...........................................6
2.2.2  信贷风险的特征 ...........................................8
2.3  相关理论的提出............................................. 9
2.3.1  资产管理理论............................................. 9
2.3.2  资产负债综合管理理论 .....................................10
2.3.3  风险资产管理理论......................................... 11
3  商业银行信贷风险的成因及分析 .................................12
3.1  商业银行信贷风险的成因 .....................................12
3.1.1  来自社会经济整体的原因 ...................................12
3.1.2  来自企业方面的原因 .......................................13
3.1.3  来自银行方面的原因 .......................................14
3.2  商业银行信贷风险的分析 .....................................14
3.2.1  信贷风险分析的程序 .......................................14
3.2.2  信贷分析的基本要素....................................... 15
3.2.3  贷款风险的预警........................................... 19
4  商业银行信贷风险的管理现状及对策 .............................20
4.1  我国商业银行信贷风险管理现状............................... 20
4.2  商业银行信贷风险管理对策 ...................................23
结    论 ........................................................25
参考文献........................................................ 26
致    谢 ........................................................27
附    录1 .......................................................28
附    录2 .......................................................32

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