我国国有商业银行信贷风险管理机制研究

《我国国有商业银行信贷风险管理机制研究》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。

1、Researchonthecreditriskmanagementmechanjsmofthestate—ownedcommerciaIbanksofChinaAbstractState—ownedcommercialbanksplayanimportantroleinChina’seconomy．Theyarenotonlymakinggreatprogressinbusinessbutalsofacingenormouscreditrisks．Thispapermakesthoroughanalysisoncommercialbankcreditriskscontrolacademica

2、liyandpractically．Basedonseveralyears’workingexperienceoncreditofthestate—ownedcommercialbanks，thewriterthoroughlyanalyzestheproblemsofthecreditriskmanagementmechanismofthestate—ownedcommercialbanks，thengivesthewaytobuiltandperfectcreditrisksmanagementmechanismofthestare—ownedcommercialbanks．Thisth

3、esiscanbedividedintofiveparts．First，thewriterexplainstheconceptsoftherisks，creditrisks，creditriskmanagementandcreditriskmanagementmechanism，explainsthemajorpartsofthecreditrisksmanagementmechanism．Andtheauthorthinksthatcreditrisksmanagementmechanismisasystem，whichincludefoursub—systems：identifyinga

4、ndmeasuringcreditriskssystem，controllingcreditriskssystem，alarmingcreditriskssystem，solvingcreditriskssystem．Thesecondpart，theauthorstressesitisnecessaryforthestate—ownedcommercialbankstoimprovecreditmanagementmechanism．Thethirdpartistheoverviewofthestate—ownedcommercialbankscreditbusinesssituation

5、．Itstatestheproblemsanddifficultiesincreditriskmanagementmechanismtostresstheimportancetoimprovetheriskmanagement．ThefourthpartintroducesexperienceofmanagementmechanismofcreditriskintheWesterncountries．Anditputsforwa-rdtheconcernedenlightenment．Thefifthpartisthesomemeasurestoperfectcreditriskmanage

6、mentmechanismfromwithinincludingidentifyingandmeasuringcreditriskssystem，controllingcreditriskssystem，alarmingcreditriskssystem，solvingcreditriskssystem．AfterChina’SentryintoWTO，thestate—ownedcommercialbanksarefacingfiercecompetitions．Profitsmadefromloanbusinessarevitaltobanksbecauseit’Sthemaininco

7、mesourceofcommercialbanks．Greateffortsmustbemadetoimprovecreditmanagementbythestate—ownedcommercialbanks．Keywords：state—ownedcommerciabanks．credtrisk．managementmechanism独创声明z忙人声l!j_j所里交的学战沦文是本人在导师指导下进行的研究：I