摘要
目前我國(guó)商業(yè)銀行正面臨著嚴(yán)重的貸款風(fēng)險(xiǎn)，本文在經(jīng)過大量的
實(shí)踐調(diào)查、理論研究與查閱中外文獻(xiàn)研究之后，結(jié)合我國(guó)現(xiàn)階段經(jīng)濟(jì)
管理體制、銀行管理體制的巨大變革的歷史階段對(duì)銀行產(chǎn)生的重大影
響，提出了我國(guó)商業(yè)銀行貸款風(fēng)險(xiǎn)存在的一般原因與特殊歷史階段原
因(即l、體制失范2、政策偏狹3、行政干預(yù)4、企業(yè)改革不徹底等
深層次原因)。針對(duì)以上原因，本文提出了防范與化解貸款風(fēng)險(xiǎn)的一些
措施:如建立預(yù)警系統(tǒng)、程序控制等，并提出了要恢復(fù)主辦銀行體制
的觀點(diǎn)，以期對(duì)我國(guó)商業(yè)銀行貸款風(fēng)險(xiǎn)控制能力的提升有所幫助。
關(guān)鍵詞:商業(yè)銀行、貸款風(fēng)險(xiǎn)、控制、主辦銀行制
第一章貸款風(fēng)險(xiǎn)的概念與分類·······································……1
一定義·······························································……1
二‘貸款風(fēng)險(xiǎn)的分類··········，·················...·.·.·...……，..……l
第二章現(xiàn)階段商業(yè)銀行存在不良貸款深層次的原因············……4
一現(xiàn)階段商業(yè)銀行存在不良貸款現(xiàn)狀·····················……4
二現(xiàn)階段商業(yè)銀行存在不良貸款深層次的原因············……6
第三章防范與化解商業(yè)銀行貸款企業(yè)貸款風(fēng)險(xiǎn)的途徑······……22
一加強(qiáng)貸款企業(yè)分析··········································……22
二建立信譽(yù)調(diào)查制度是開展貸前調(diào)查設(shè)置風(fēng)險(xiǎn)防范的第一道防
線的重要環(huán)節(jié)··························，·····················……26
三運(yùn)用信貸風(fēng)險(xiǎn)管理技術(shù)····································……28
四建立信用報(bào)告制度—信貸防火墻·····················……29五建立同業(yè)信貸查詢系統(tǒng)···········，························……33
第四章重提主辦銀行制度·········································，·，·…38
一現(xiàn)階段，銀企之間的關(guān)系·························，·，··········一38
二當(dāng)前銀企關(guān)系存在的問題····································……39
三銀企關(guān)系模式的借鑒與選擇·································……40
四關(guān)于建立新型銀企關(guān)系····，··································……42
五主辦銀行制度-一解決現(xiàn)階段商業(yè)銀行貸款風(fēng)險(xiǎn)問題的一條
途徑············，，··············································……44
參考文獻(xiàn)····················，·····················，·······················……53
謝辭········································································……56