文档介绍：摘要银行业是国家重要的战略产业部门,银行业的健康发展直接关系着整个国民经济的『F常运行。与NJ'I-大型跨国银77,1<i=1比,我固固有商业银行虽然规模相差不大,但在经营效率与竞争能力方面还存,【生着较大的差距。并且商业银行因为多种原因积累了大量的不良信贷资产,构成整个商业银行体系的系统风险。随着我国金融行业开放步伐的加快,建立与健全我国商业银行的信贷风险内部管理体系已经成为至关重要的问题。因此,本文试图以此为研究对象,从最活跃的信贷风险管理工具入手,分析风险管理各个环节的情况,并对信用风险管理体系的构成、发展过程进行了较为系统的总结和前瞻。全文共分五部分。第一章对传统的三种风险识别方法进行了介绍与分析,并就这几类方法应用提出了建议;第二章着重介绍了国际上关于信用风险度量的定量分析方法,通过对主要的定量模型的比较分析,评价分析了定量方法对微观信贷风险管理的实用价值。第三章对同韩商业银行不良资产管理的经验及其对我国商业银行的借鉴之处进行了总结。第四章考察了我国商业银,{TIN效益差异的原因,对构建我国商业信贷风险内部管理系统的因素及其相互关系进行了研究。并认为信贷风险管理是一个完整的体系,其中包括风险的i=}{别、计量与控制工具的完善,也包括对银行内部治理结构的合理化、规范化。文章的最后一部分为结论和政策建议。关键词:商业银行、信用风险、内部控制 AB STRACT Banking istheimportant strategic industry toour country Whether itsdevelopment is good or not,it has adeep relationship with thewhole national paring our mercial banks withforeign multinational banks、there is not alarge 2ap between them there are big disparities inefficiency ofoperation and ability the same time mercial banks have acctllnulated large NPL formany makes thewhole bank industry have svstem risk. With thespeed ofopening of our financialindustry being faster,it iscrucial tobuild and perfect internalmanagement articletakes it asthestudyobject, and starts with instruments orcredit riskmanagement,which ismost it studiesever)’proceeds increditriskmanagement and have systemic summery OD posing and development articlehas five sectors. Chapter one introduces three kinds of traditional methods,and the improvement advice ofimplication isputforward attheend tWO focuses On the international quantitative analytical methods forassessing credit andanalyzing majorquantitative models,it estimates thepractical value of quantitative methods tOmicrocosmic credit risk three put forward advice on how to deal with NPL tO mercial banks based on the experience ofJapan andKorea, Chapter four studies the difference ofoperation performance mercial banks and