【作者】 李舒；

【导师】 李昱；

【作者基本信息】 吉林大学 ， 商业银行（专业学位）， 2015， 硕士

【摘要】 随着世界经济全球化ǐ金融一体化的不断发展，金融业获得了长足的进步，金融作为现代经济的核心举足轻重在我国商业银行的日常经营管理中，最为核心的盈利来源依旧是信贷资产，其关键性可见一斑然而，收益与风险一直以来都是相生相伴信贷业务作为商业银行业务的核心组成部分，相应地，信贷风险也是商业银行经营面临风险的重要组成部分从世界范围来看，无论是何种政治经济环境，无论是何种具体的经营策略，信贷风险都站在不变的核心关注点上特别是20世纪90年代以来，在世界范围内接连发生了一系列重大的金融风险事件，对商业银行自身甚至整体经济发展都造成了恶劣影响，由此也引发了人们对商业银行信贷风险管理的深刻反思与高度关注商业银行信贷风险管理的成败不仅关乎商业银行的经营业绩和竞争力，对于商业银行的经营成败乃至整个金融体系的长期稳健发展都会产生十分深远的影响商业银行信贷风险管理不当会造成十分严重的后果当前，我国经济处于转轨过程的特殊时期，银行业务不断转型，迎接机遇ǐ应对挑战，防范金融风险ǐ维护金融稳定，科学合理的信贷风险管理对于以信贷资产作为银行主要配置资产的我国商业银行来说其重要性不言而喻，因而将信贷风险管理视作我国商业银行经营管理的核心内容也是必然选择鉴于此，本文立足于金融学角度，以我国商业银行信贷风险管理研究为题，首先说明了本选题的背景与意义，综述了国内外学者对商业银行信贷风险管理的研究现状和阐明文章的架构思路与创新点；其次梳理分析了我国商业银行信贷风险管理的现状与潜在风险；再次横向对比研究了国外商业银行的信贷风险管理；接下来基于面板数据模型对于我国商业银行信贷风险管理进行了实证研究；最后，文章理论联系实际，从实际出发，结合了国际国内经验，为健全银行信贷风险管理，从五个大方向着手总结了相应的对策参考更多还原

【Abstract】 With the development of economic globalization and financial liberalization,financial industry has made a huge progress. Finance plays a more and moreimportant role on the world stage. As we know, commercial banks play an importantrole on our country’s economy. Also, credit risk management is the most importantpart in commercial banks. Risk and Profit are twins, they come together. Riskmanagement is equal to Profits in commercial banks’ daily work, and we have totreat it seriously.To pay enough attention to credit risk management is much more important inthese days, especially after1990s’, credit risk management has called enoughattention because of many worldwide financial crises and banking cases.Credit risk management is much closed to the success of commercial banks,even to the whole field of finance. Bad risk management can easily bring the worstresults to any commercial banks. Commercial banks in China have to face more andmore challenge and change owe to the development of economic globalization andfinancial liberalization. So it is clearly to find out that it is important for commercialbanks to manage their credit risk.For that reason, the thesis takes the research on credit risk management ofcommercial banks in China as topic. Based on explaining the topic selectionbackground and research significance, international and domestic research status,research thoughts and structure, thesis’ innovative points, and so on. Next, the thesisfocuses on the current situation and possible risk. At the same time, the thesiscompares the practice of world’s developed countries and regions in order to sum up some useful experience. Meanwhile, the thesis analyses the facts which have aninfluence on credit risk management of commercial banks. Finally, in order toconstruct and improve credit risk management of commercial banks, the thesis isbased on the practical situation of China, bring forward useful countermeasures andsuggestions from control environment, risk assessment, control activities,information and communication and monitoring.更多还原