摘要
商業(yè)銀行自成立以來，風(fēng)險(xiǎn)就與之相伴。隨著現(xiàn)代經(jīng)濟(jì)的不斷發(fā)展，商業(yè)銀行所面臨的風(fēng)險(xiǎn)呈現(xiàn)出更為復(fù)雜多變的特征。美國的次貸危機(jī)引發(fā)全球經(jīng)濟(jì)下滑等諸多問題，使銀行的信用風(fēng)險(xiǎn)問題再一次成為全球熱議的話題。當(dāng)前，如何管理好信用風(fēng)險(xiǎn)是各國商業(yè)銀行面臨的最大難題，特別是對于國內(nèi)的商業(yè)銀行來說，傳統(tǒng)的計(jì)劃經(jīng)濟(jì)體系遺留下的病根，再加上當(dāng)前的嚴(yán)峻競爭形勢，使其負(fù)重難行。商業(yè)銀行的信用風(fēng)險(xiǎn)已成為國內(nèi)金融業(yè)研究發(fā)展的核心問題，它對國內(nèi)經(jīng)濟(jì)發(fā)展起著至關(guān)重要的作用，甚至決定著我國商業(yè)銀行能否在全球經(jīng)濟(jì)競爭中占有一席之地。
本文可分為五個(gè)部分，首先是是研究課題的時(shí)代背景，是整個(gè)論文成立的大前提。然后是對商業(yè)銀行信用風(fēng)險(xiǎn)管理進(jìn)行了簡明的理論概述，是全文的理論框架。接著是以中國工商銀行咸寧分行通城支行為典例，描述了通城支行風(fēng)險(xiǎn)管理的現(xiàn)狀。再然后是詳細(xì)說明了通城支行在信用風(fēng)險(xiǎn)管理方面存在的具體問題與原因分析。最后是從問題出發(fā)，找出解決之道，這些措施主要是用于參考，以改善通城支行信用風(fēng)險(xiǎn)管理現(xiàn)狀，最終降低不良貸款率。

關(guān)鍵詞:信用風(fēng)險(xiǎn)；信用風(fēng)險(xiǎn)管理；中國工商銀行通城支行；不良貸款

ABSTRACT
　Since the establishment of the commercial banks, the risk have gone with them. With the continuous development of modern economy, the risks faced by commercial banks own more complex features.As America's subprime mortgage crisis triggered a global economic downturn and many other issues, the bank's credit risk becomes a hot topic worldwide again.At present, how to manage the credit risk is the largest problem in front of the countries’commercial bank.Especially for the domestic commercial banks,the root cause left by the traditional planned economy system,and the current grim situation, make them difficult to go ahead.The credit risk of commercial banks has became the core issue of the financial industry in term of research and development .It plays a vital role on the domestic economic development, and even determines whether the domestic commercial banks can strive of the global economy competition.
This thesis can be divided into five parts.The first part is the background of this thesis that I research.It is the premise of the thesis's living.The second part is a brief overview of the theory for the credit risk management of commercial banks, is the theoretical framework.The third part set the example of ICBC TONGCHENG branch,describes the the risk management present situation of the city branch .The fourth part explains in detail in the credit risk management of specific problems and cause analysis.The fifth part is set out from the problem, find a solution.These measures are mainly used for reference, to improve our country's financial stability, promote our country commercial bank more steady development.

KEY WORDS: credit risk;credit risk management;tongcheng branch of ICBC;bad loans

目錄

引言 …………………………………………………………………………………………1
一、商業(yè)銀行信用風(fēng)險(xiǎn)與信用風(fēng)險(xiǎn)管理概述 ……………………………………………2
(一)信用風(fēng)險(xiǎn) …………………………………………………………………………2
1.信用風(fēng)險(xiǎn)的概念 ………………………………………………………………2
2.信用風(fēng)險(xiǎn)的特點(diǎn) ………………………………………………………………2
3.信用風(fēng)險(xiǎn)形成的原因 …………………………………………………………2
(二)信用風(fēng)險(xiǎn)管理 ……………………………………………………………………3
1.信用風(fēng)險(xiǎn)管理的概念 …………………………………………………………3
2.信用風(fēng)險(xiǎn)管理的必要性 ………………………………………………………3
3.商業(yè)銀行信用風(fēng)險(xiǎn)管理的歷史演變 …………………………………………4
二、通城支行信用風(fēng)險(xiǎn)管理現(xiàn)狀 …………………………………………………………5
(一)通城支行概況 ……………………………………………………………………5
(二)通城支行信用風(fēng)險(xiǎn)管理現(xiàn)狀 ……………………………………………………5
三、通城支行信用風(fēng)險(xiǎn)管理存在的問題 …………………………………………………8
(一)信貸過程“人情味”太重 ………………………………………………………8
(二)對風(fēng)險(xiǎn)識別不到位 ………………………………………………………………8
(三)信貸內(nèi)部制度不完善 ……………………………………………………………9
(四)期限管理不到位 …………………………………………………………………9
(五)員工文化水平不高，平均年齡老齡化 …………………………………………10
四、通城支行加強(qiáng)信用風(fēng)險(xiǎn)管理的措施 …………………………………………………12
(一)規(guī)范通城支行信貸內(nèi)部管理制度 ………………………………………………12
1.設(shè)立風(fēng)險(xiǎn)責(zé)任考核制度 ………………………………………………………12
2.設(shè)立“崗位分開，分工合作”的制度 ………………………………………12
(二)更新信用風(fēng)險(xiǎn)度量方法 …………………………………………………………12
(三)完善信用識別過程，“既瞻前又顧后” ………………………………………13
(四)引進(jìn)新時(shí)代人才，本地化人才 …………………………………………………14
(五)“提前敲警鐘”，普及信用風(fēng)險(xiǎn)知識，加強(qiáng)客戶信用風(fēng)險(xiǎn)意識………………14
結(jié)束語 ………………………………………………………………………………………15
致謝 …………………………………………………………..