文档介绍：河北大学 2012 届本科生课程论文 1金融风险管理课程论文题目: 商业银行信用风险管理方案学院经济学院学科门类金融专业金融学学号 2012407062 姓名刘新宇指导教师郑志丹 2014 年5月 14日河北大学 2012 届本科生课程论文 2 商业银行信用风险管理方案摘要信用风险是指由于各种因素发生变化而对银行信用资产带来负面影响,导致银行信用资产或收益发生损失并最终引起信用资产价值甚至整个银行价值下降的可能性。相对银行而言,信用风险是由交易对手违约所造成的既有损失,也是最古老,最重要的银行风险之一。信用风险既受到宏观经济形势、行业与产业变化和交易对手等外部因素的影响,也受到信用活动的内部操作环节的影响。信用风险是商业银行所面临的基本风险,也是商业银行最主要的金融风险。商业银行是现代经济的核心,也是经营风险的特殊企业,其信用风险管理水平的高低直接关系到商业银行自身的成败,也关系到金融市场的安危。商业银行存在着不良资产和其他商业银行的竞争,使得完善和提高商业银行的信用风险管理水平尤为重要。许多商业银行成立时间短,业务发展快,发展中面临着与日俱增的信用风险等风险,需要完善信用风险的管理方案,为商业银行的经营管理活动有效的保驾护航。本文构建的商业银行信用风险管理方案吸取了国外一些商业银行的优秀信用管理方案,并结合了国内商业银行自身的经营管理实际情况。本文首先分析介绍商业银行的信用风险管理理论,其次结合银行国内的经营管理,重点分析商业银行信用风险的现状、问题及原因,然后就国内商业银行的信用风险提出信用管理方案,并对其进行评估。关键词: 信用风险;风险管理;商业银行河北大学 2012 届本科生课程论文 mercial bank credit risk management solutions ABSTRACT Credit risk refers to changes due to various factors which have a negative impact on bank credit assets , resulting in bank credit assets or e loss and eventually lead to the possibility of the occurrence of the value of credit assets decline in value or even the entire bank . Relative to banks, credit risk isnot only the loss caused by the default of the counterparty , and it is the oldest and most important bank risk . Credit risk both by the macroeconomic situation , the impact of trade and industry changes and external factors such as counterparty , credit activities also affected the operation of the internal links . Credit risk is the basic risk faced mercial banks , commercial banks are also major financial risks. Commercial banks are the core of modern economy , companies also operate special risk , the level of credit risk management is directly related to the ess or failure mercial banks themselves ,but also to the safety of the financial markets . There petition mercial banks and mercial banks non-performing assets , making to improve and enhance the level of credit risk management mercial banks is particularly important. mercial banks to set up time is short, fast business growth and development is facing