我国商业银行信贷风险控制研究——以工商银行江苏省分行为例

论文总字数：18916字

目 录

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

1.1 选题的背景与意义........................................................1

1.1.1 选题的时代背景......................................................1

1.1.2 研究的意义..........................................................1

1.2 国内外文献综述..........................................................2

1.2.1 国外文献综述........................................................2

1.2.2 国内文献综述........................................................3

1.2.3 文献评述............................................................3

1.3 研究方法和内容..........................................................3

1.3.1 研究方法............................................................3

1.3.2 研究内容............................................................3

2.商业银行信贷风险控制相关理论............................3

2.1 商业银行信贷风险控制的定义..............................................3

2.2 商业银行信贷风险控制理论的发展历程......................................4

2.3 巴塞尔新资本协议........................................................4

1. 我国商业银行信贷业务存在的问题-工商银行为例.............5

3.1 我国商业银行信贷业务现状................................................5

3.2 工商银行-江苏省分行信贷业务发展的现.....................................5

3.3 我国商业银行信贷业务中存在的问题........................................7

3.4 工商银行-江苏省分行信贷业务存在的问题...................................7 4.完善上述实证信贷风险的建议和策略-工商银行为例...........8

4.1 针对工商银行-江苏省分行存在问题的解决方案...............................8

4.2 对我国商业银行信贷业务提出的建议........................................8

5.结论和展望.............................................10

5.1 结论...................................................................10

5.2 展望...................................................................10

参考文献.................................................11

致谢.....................................................12

我国商业银行信贷风险控制研究——以工商银行为例

许敬文

，China

Abstract：The rapid growth in the global economy at present, domestic the whole economic system is affected by the global economic environment. In terms of the domestic financial system, commercial bank earnings directly affects the stability of the financial system in our country. For numerous commercial Banks, however, the quality of credit assets often made them when the profit of on any account, the credit risk management is that they must pay attention to link. Therefore, how to effectively reduce the generation of credit risk, strengthen credit risk management, is the commercial Banks, and even the entire financial system must face a challenge. In this paper, from the perspective of the universality of our country commercial bank credit risk management, through the cases of commercial bank credit risk, analysis of China's commercial Banks non-performing loan data, using the financial and management knowledge, good for western thoughts, achievements, experiences and technical summary, and puts forward to provide reference for the state-owned commercial bank credit risk management approach. With the loan scale of industrial and commercial bank of China, non-performing loans, has carried on the simple empirical analysis of data. According to the data, puts forward the problems. From recommendations to improve the internal environment, improve the internal management structure of reasonable, do credit audit, strengthen the internal culture dissemination, deepen the importance of bank credit risk control on thought. To find a suitable for China's national conditions of the credit risk management platform.

Key words：Commercial Banks ICBC The credit risk Risk management

1.绪论

1.1 选题的背景与意义

1.1.1选题的时代背景

我国的金融业实行对外开放政策，这既是平台，又是挑战，金融系统的风险高低将直接关系到整个社会资源的合理配置。而说到整个金融系统，银行业就不得不提，银行业在系统中的地位不言而喻，所以，中国银行业的发展将直接影响到整个国家的金融状态。然而，银行业的利润来源于其信贷资产的发展，所以商业银行信贷资产风险的管理，不仅仅关系到银行业的自身利润水平，更是整个社会安全，稳定的前提。

近年来，全球银行业高风险负面事件如雨后春笋，频频被曝出。例如，英国巴林银行被迫停业，日本大和银行被兼并等。随着2007年“次贷危机”的横空出世，一场空前绝后的全球金融危机正在降临，银行业在此大环境下正面临着重大的挑战。纵观这一系列重大金融事件中，从“墨西哥金融危机”，到如今席卷全球的“次贷危机”，导致这一切的根源，就是随着银行信贷风险日益加重，日益增加的不良资产达到一种不可控制的地步。此时此刻，信贷风险管理才被人们所重视，但是我国信贷风险管理业务只处于发展初期，与外国先进的信贷风险技术仍存在很大差距。

在我国，商业银行，负债经营是其最主要的特点，在不断追求高收益的同时，资金的安全性和流动性也是极其重要的。然而，随着我国国有银行的改制，各个商业银行纷纷上市股改，为了承担社会责任，对信贷风险控制提出了新的要求和管理。在十二五规划中要求，商业银行在继续深化改革发展的同时强化风险管理，十八届三中全会中对此也提出了更高的要求，在全球化的今天，各国逐渐松开了金融管制，银行业的闸站面临的这相当大的机遇和挑战，我国商业银行应该借鉴西方先进技术，吸取西方教训，结合实际国情，取之精华弃其糟粕，用长远的目光，为银行业的快速发展，社会的稳定做出贡献。

1.1.2研究的意义

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