摘 要

二十世紀(jì)八十年代以來，經(jīng)濟全球化，金融一體化浪潮席卷全球，伴隨著信息技術(shù)的飛速發(fā)展，金融理論和實踐不斷推層出新，為金融發(fā)展帶來了新的機遇，同時也給國際金融業(yè)帶來了巨大的沖擊。國際金融市場的動蕩不斷加劇。各國商業(yè)銀行和投資機構(gòu)受到前所未有的來自于信貸風(fēng)險挑戰(zhàn)，世界銀行對全球的銀行危機研究表明，導(dǎo)致銀行破產(chǎn)的主要原因是信貸風(fēng)險。而我國國有商業(yè)銀行信貸風(fēng)險防范和控制水平一直不理想，隨著外部市場環(huán)境的變化，信貸風(fēng)險的波動性不斷加大，已成為我國金融風(fēng)險的重大隱患。
本文研究了xx銀行的貸款客戶集中度風(fēng)險問題、貸款的行業(yè)集中度問題、組織架構(gòu)設(shè)置的鏈條過長、貸后管理薄弱等問題，然后對此提出客戶分散化管理、行業(yè)分散化、完善審批機制提高審批效能、強化xx銀行的貸后管理機制等相應(yīng)對策。

關(guān)鍵詞 商業(yè)銀行　信貸風(fēng)險 信貸風(fēng)險管理

Abstract

Since 1980s, the economic globalization and financial integration has widely spreader all over the world. With the rapid development of information technology, the financial theory and practice is undergoing constant reform，which brings new opportunities as well as the huge shock for the development of financial industry. The commercial banks and investment institutes in each country are confronted with the unprecedented credit risks. According to the survey of global bank crisis from World Bank，the credit crisis is the major reason for bank failure. Our national commercial bank don’t Perform well in credit risk prevention and control and has become great threaten to our national finance with the changing Market environment and increasing vitality of credit risks.
The article studied the China Bohai Bank Co., Ltd 's loan customer concentration degree risk question, the loan profession concentration degree question, the organization construction establishment's chain link was excessively long, the loan, has managed weakly and so on questions, then proposed regarding this after the customer decentralization management, the profession decentralization, consummated the examination mechanism enhancement examination potency, strengthened the manage mechanism after loan of China Bohai Bank Co., Ltd and so on corresponding countermeasure .

Key Words Commercial Bank credit crisis credit risk management


目 錄

摘　要 I
Abstract II

第１章　緒論 1
1.1研究背景 1
1.2 國內(nèi)外研究現(xiàn)狀 2
1.2.1 國內(nèi)研究現(xiàn)狀 2
1.2.2 國外研究現(xiàn)狀 3
1.3 研究目的和意義 4
第2章　信貸風(fēng)險管理的基本理論 5
2.1 信貸風(fēng)險的涵義 5
2.2 信貸風(fēng)險類型 6
2.3 我國商業(yè)銀行信貸風(fēng)險現(xiàn)狀分析 9
第3章　xx銀行信貸風(fēng)險分析 11
3.1 xx銀行概況 11
3.2 xx銀行信貸風(fēng)險管理存在的問題 12
3.2.1 貸款的客戶過于集中 12
3.2.2 貸款的行業(yè)過于集中 14
3.2.3 組織架構(gòu)設(shè)置的鏈條過長 15
3.2.4 貸后管理薄弱 15
3.2.5客戶經(jīng)理整體素質(zhì)下降 16

第4章　xx銀行信貸風(fēng)險管理對策研究 16
4.1 實施客戶分散化 管理不斷優(yōu)化貸款客戶結(jié)構(gòu) 16
4.2 實行行業(yè)分散化對策 18
4.3完善審批機制 提高審批效能 19
4.4強化xx銀行的貸后管理機制 19
4.5提高客戶經(jīng)理綜合素質(zhì) 20
結(jié)　論 22
致　謝 23
參 考 文 獻 24
附錄1 25
附錄2 27