文档介绍：华中科技大学
硕士学位论文
我国国有商业银行信贷风险管理研究
姓名:崔兆喜
申请学位级别:硕士
专业:西方经济学
指导教师:彭代彦
20041023
摘要
本文在充分分析国有商业银行信贷风险产生的原因当前信贷风险管理中存在
的问题的基础上通过对国有商业银行信贷风险管理制度的探讨指出由于长期以
来形成的不良资产过于庞大加上转型经济带来的诸多不确定性国有商业银行的
信贷风险管理工作依然任重而道远国有商业银行信贷风险产生的原因复杂需要
从多方面进行改革和完善文章从如何防范增量风险化解存量风险两方面对信贷
风险管理问题进行了分析最后作为思路的拓展,文章指出从制度入手固然是根本
但是不能一步到位需要时间所以文章进而认为伴随着制度的完善应该把中间
业务拓展与国有商业银行信贷风险管理结合起来在业务的开展中去防范增量风
险同时可以在一定程度上化解存量风险文章以财务顾问业务为例从信息不对
称理论和资产组合理论出发分析了财务顾问业务对信贷风险管理的作用认为国
有商业银行开展企业财务顾问业务之类的中间业务可以从以下几个方面防范和化
解信贷风险第一可以增强国有商业银行获取企业经营管理信息的能力减少逆
向选择和道德风险第二防范恶意重组行为有效减少信贷资产的损失
第三增强对不良信贷资产的消化吸收能力第四增强银行的独立性弱化对政
府的依赖第五强化银企关系文章最后从实际出发提出了国有商业银行拓展
财务顾问业务加强信贷风险管理的思路

关键词国有商业银行信贷风险管理增量风险中间业务
II
ABSTRACT
The paper starts with analysis of the causes of credit risk of the state-owned banks
SOBs and the problems of the current credit risk management, then points out that the
credit risk management of the SOBs shoulders heavy responsibilities because of the huge
non-performing loans(NPLs) and the uncertainty of the economic transition by discussing
the management systems of the credit risk of the SOBs.
The reason for credit risk of the SOBs plicated, and we need to reform and
perfect it from many aspects. The paper analyzes how to take precaution against credit risk
and how to dissolve stock risk. Finally, the article points out that it is no doubt basic to proceed
with system, but we can't be put in right place in one step
So, the paper thinks, following the perfection of the system, that the SOBs should expand
the intermediate bined with the credit risk management, go to take
precautions against the increment risk in the development of the business, then, to a
certain extent it can dissolve the stock risk at the same time. With taking financial
advisor's business as an example, the paper has analyzed the effects of financial advisor's
business on credit risk management from the perspective of information asymmetry theory
and asset portfolio theory. It proposes t