文档介绍：西安培华学院本科毕业论文(设计) 2B081204 张磊-我国国有商业银行信贷风险存在的问题与对策探究-孙陵霞 I 我国国有商业银行信贷风险存在的问题与对策探究摘要随着经济全球化步伐的不断加快,国有商业银行成为国家金融体制改革和可持续发展战略不可或缺的角色。但是国有商业银行的信贷危机越来越严重, 我国国有商业银行面临的一个难题是如何较好地化解信贷风险。本文在分析国有商业银行信贷风险产生的原因以及当前信贷风险管理中存在问题的基础上, 通过对国有商业银行信贷风险管理制度的探讨,指出国有商业银行信贷风险产生的原因比较复杂,应该从国有商业银行自身环境,社会环境和金融市场环境三方面入手进行改革和完善,把金融市场的建设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风险,化解风险。但由于长期以来形成的不良资产过于庞大,加之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道远。关键词: 商业银行;信贷风险;金融体系;管理与防范西安培华学院本科毕业论文(设计) 2B081204 张磊-我国国有商业银行信贷风险存在的问题与对策探究-孙陵霞 II China ’s state-mercial b ank credit risk existence question and countermeasure research Abstract As economic globalization pace accelerate ceaselessly, state-mercial banks to e the nation's financial system reform and sustainable development strategy the indispensable role. But the state-mercial banks' credit crisis more and more serious, the State-mercial Bank ofour country faces a difficult problem ishow to eliminate credit risk better. Based on the analysis of credit risk of state-mercial banks and the causes as well as the current credit risk management has in the question foundation, through to the state-mercial bank credit risk management system, Points out that the credit risk of state-mercial banks plex, should from the state-mercial banks in their own environment, social environment and market environment three respects proceed with to reform and perfect, the financial market construction and state-mercial bank credit risk management together, in the development of the business to guard against the risk, dissolve a venture. But asa result of long-term since formation of non-performing assets is too large, and the transition economy brought a lotof uncertainty, credit risk management of state-mercial banks is still a long way to go. Key words: Commercial Banks ; Credit risk ; Financial system ; Management and Prevention 西安培华学院本科毕业论文(设计) 2B081204 张磊-我国国有商业银行信贷风险存在的问题与对策探究-孙陵霞 III 目录摘要......................................................................................................