文档介绍：Thesis Submitted to Hebei University of Technology for The Master Degree of Business Administration STUDY ON THE PROBLEMS AND COUNTERMEASURES OF JN BANK CREDIT RISK MANAGEMENT by Li zhuang zhi Supervisor: Prof. wuxiaodan May 2014 万方数据万方数据万方数据万方数据河北工业大学硕士学位论文 I 摘要我国商业银行的资产业务结构发生了一定程度上的改变,存贷比的呈现出一定的下降趋势,但信贷业务占资产业务的比例仍然超过 60% ,在环境日益复杂多变的情况下,对银行信贷风险进行合理控制对现代商业银行的可持续经营具有非常重要的理论与现实意义。本文首先在研究国内外学者关于财务风险研究的相关文献的基础上,对信贷风险研究进行了理论分析与概念界定,形成了本文的理论基础。其次,以 JN 银行具有特色的煤炭贸易企业授信业务为例,分析了 JN 银行的信贷风险现状。对 JN 银行的发展现状与组织结构做出了总体描述,分析信贷风险的种类与特点,并由此归纳出其主要信贷风险的来源,并对 JN 银行的煤炭贸易企业信贷风险做出横向与纵向上的比较分析,指出进行信贷风险管理的必要性。再次,探讨了 JN 银行信贷风险管理存在的问题,深层次挖掘了现有问题出现的原因。对于上述问题,本文提出了加强信贷风险内控制度、实行信贷风险全程动态监督、明确定位稳抓中小客户等有针对性的建议,以期得出某些对我国商业银行乃至整体银行信贷管理体系构建有益的启示。关键词:信贷风险;风险防范; JN 银行;煤炭贸易万方数据 JN 银行信贷风险管理存在的问题与对策研究 II ABSTRACT China'mercial banks assets business structure has changed to some extent, showing a certain loan-deposit ratio of the downward trend, but the business of credit business accounted for the proportion of assets are still more than 60% in an increasingly complex environment case, reasonable control of bank credit risk for the sustainable management of mercial banks have a very important theoretical and practical significance. Firstly, research scholars in the study on the financial risk related literature, based on the credit risk of a theoretical summary and definition, form the theoretical basis of this article. Secondly, the analysis of th e bank's credit risk JN status quo. JN Bank on the development status aniza tional structure to make a gene ral description of the types and characteristics of credit risk, and thus summ ed up its main source of credit risk, and the bank's credit risk JN make parison on the horizontal and vertical analysis, pointing out the need for credit risk management. Agai n, explores JN bank credit risk management problems of deep mining of the existing cause of the problem. For these problems, we propose to strengthen th e internal control