文档介绍：上海交通大学
硕士学位论文
交通银行齐齐哈尔分行信贷风险管理研究
姓名:林卓超
申请学位级别:硕士
专业:工商管理
指导教师:周朝民
20050301
毕业设计论文中英文摘要
交通银行齐齐哈尔分行信贷风险管理研究
摘要
信贷业务是商业银行金融系统中极为重要的组成部分关系到国民经济的稳定健康发
展由于存在历史的以及体制上的原因目前交行齐分行的信贷风险比较突出急需进行
有效的信贷风险管理本文从五个方面对交行齐分行信贷风险管理进行分析
第一部分是阐述银行信贷管理的基础理论第二部分分析了信贷风险的主要矛盾和问
题即为大量不良资产的存在以及在银行的流动性安全性和盈利性方面的风险表现
第三部分阐述了信贷风险的成因包括经济体制及政策影响的外在因素也有银行自身体
制和机制落后的内在因素第四部分考察了西方商业银行信贷风险管理的可借鉴之处第
五部分是本文的重点分别针对信贷风险的各个成因辅以对西方经验的借鉴从不同层
面上提出了加强交行齐分行信贷风险管理的对策包括构筑中国社会信用体系灵活利用
法律手段以及建立银行内部控制制度
关键词交通银行齐齐哈尔分行信贷风险管理内部控制制度
毕业设计论文中英文摘要
Study on Credit Risk Management of Qiqihaer Branch of
Bank munications
Abstract
State mercial banks are a very important ingredient of the banking
system in our country. It is vital to the stable and healthy development of the national
economy. Due to some historic and structural reasons, the credit risk of Qiqihaer
Branch of Bank munications is quite serious and needs efficient credit risk
management. This paper analyzes the credit risk management in four aspects.
The first Part expounds the basic theory of Credit management in Bank. The
second part states the major characteristics of credit risk, including the existence of
the large amount of unhealthy assets, the major risks concerning with the liquidity,
safety and profitability mercial banks. The third part expounds how the credit
es into existence, which includes not only external factors such as the
economy system and the influence of government policy, but also internal factors such
as the structural and institutional reasons of banks. The fourth part studies the
referential experiences of western banks on credit risk management. The last part, also
the most important part of paper, gives some suggestions on the credit risk
management to mercial banks in China. Considering the reasons and the
experiences of western banks, the Chinese state mercial banks are
suggested to strengthen the credit risk management via building up social credit
system, making full use of