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1、中南财经政法大学2014届本科生毕业论文（设计） 本科生毕业论文（设计） 论文题目：商业银行风险管理研究姓 名：陈舟学 号：010810200334班 级： 121班年 级：2013级专 业：金融学 院：金融学院指导教师：周奕完成时间：2014年 1月20日 作者声明本毕业论文（设计）是在导师的指导下由本人独立撰写完成的，没有剽窃、抄袭、造假等违反道德、学术规范和其他侵权行为。对本论文（设计）的研究做出重要贡献的个人和集体，均已在文中以明确方式标明。因本毕业论文（设计）引起的法律结果完全由本人承担。毕业论文（设计）成果归中南财经政法大学所有。特此声明。作者专业：金融作者学号：010810200
2、334作者签名：陈舟2014年 1月 20日摘 要银行业作为我国金融三大支柱之一，有着不可替代的作用，它的地位不亚于保险业和证券业。而一个良好的金融环境和金融环境的健康发展，离不开着三者的健康发展。银行作为一个提供资金的和管理钱的金融机构，是我国经济的重大参与角色。商业银行它的主要业务有经营信贷以博取利息为收入，在各类行业中是具有悠久历史，义务最为广泛的，对社会经济生活起着重大的影响，在传导经济信息指标和提示方面，发挥着重要的作用，是金融机构的主体。现代的商业银行主要通过两种途径产生，是在传统的最有商业银行性质的机构上发展过来的。第一种途径是从旧式的高利贷演变过来，第二种按照资本主义的原则建立
3、的资本主义股份制银行。长期商业银行的发展以来，对商业银行的信贷业务的管理是各国商业银行的重要之处，银行信贷风险是金融机构和监管部门风险防范与控制的主要对象和核心内容。尤其是二十世纪末到二十一世纪初以来，随着金融全球化趋势及金融市场的波动性加剧，各国银行受到了前所未有的信用风险挑战。世界银行对全球银行业危机的研究表明，导致银行破产的主要原因是信贷风险。而我国商业银行信贷资产质量低下，不良贷款比率一直居高不下已是人所共知的事实，以至银行信贷风险成为我国金融风险的最大隐患。再加上国有商业银行信贷风险管理体制存在一些缺陷，导致金融抑制现象长期伴随中国经济生活的现实之中。尽管近年来国有商业银行确立了市场
4、主体地位，基本上按市场机制运作，但由于社会信用环境没有得到根本改善，诚信守约的观念远未树立起来，企业拖欠银行贷款大幅度增加，企业借改制之名逃债的事件时有发生。因此，强化信贷风险管理，提高信贷资产质量，降低不良贷款比例已成为国有商业银行当前面临的紧迫而又繁重的任务。解决中国商业银行信贷风险高的问题，对于保证中国金融体系稳健高效运行，提高中国商业银行竞争力，实现经济的可持续发展具有十分重要的理论和现实意义。因此，针对商业银行风险的管理研究本文主要从商业银行信贷风险的入手，阐述其概念，分析国有商业银行现代风险产生的原因，在当前信贷风险管理、经营业务中存在问题的基础上，对商业银行的信贷风险的研究与防范
5、。【关键词】商业银行 不良贷款 信贷风险 管理体制 风险管理 对策AbstractAs one of the three pillars of our country finance, the banking sector has an irreplaceable role, its status as insurance and securities、 And a good financial environment and the healthy development of the financial environment, without the healthy developmen
6、t of the three、 Bank as a finance and management of the financial institutions of money, is major to participate in the role of the economy in our country、 Its main business was business of commercial bank credit to earn interest income, with a long history in all kinds of industries, obligations, t
7、he most widely, the play a significant impact on social economic life, in terms of transmitting economic information index and prompt, play an important role, is the main body of financial institutions、 The modern commercial bank mainly through two ways to produce, is traditional in most commercial
8、bank on the nature of the organization development、 The first kind of way to evolve from the old usury, the second, according to the principle of capitalism established joint-stock Banks of capitalism、 Since the development of the commercial Banks for a long time, the management of the credit busine
9、ss of commercial Banks are the important parts of the commercial Banks, bank credit risk is the financial institutions and regulatory risk prevention and control of the main object and core content、 Especially since the end of the twentieth century to the 21st century, along with the trend of financ
10、ial globalization and financial market volatility, the bank has received the unprecedented challenge to credit risk、 The world bank study of global banking crisis shows that lead to bank failures is the main reason of the credit risk、 And low quality of credit assets, Chinese commercial Banks has be
11、en high non-performing loans ratio is a well known fact that our country finance risk to bank credit risk has become one of the biggest hidden dangers、 Plus the state-owned commercial bank credit risk management system has some defects, cause financial repression phenomena long-term with the reality
12、 of Chinas economic life、 Although in recent years, state-owned commercial Banks to establish the market main body status, basically according to the market operating mechanism, but because didnt get substantial improvements in the social credit environment, the idea of honest not erected, enterpris
13、es increase default on bank loans, enterprise through restructuring by the name of the event、 Therefore, strengthening the management of credit risk and improve the quality of credit assets, reduce the proportion of non-performing loans has become the current state-owned commercial Banks are faced w
14、ith the urgent and onerous task、 Solve the problem of China commercial bank credit risk is high, to ensure Chinas financial system steady run efficiently, enhance the competitiveness of the commercial bank of China, realize the sustainable development of economy has very important theoretical and pr
15、actical significance、 In view of the commercial bank risk management in this paper, from the perspective of the general overview of the commercial bank credit risk, analysis the reasons of the modern state-owned commercial bank risk, the current credit risk management of the business on the basis of the problems existing in the study of commercial bank credit risk and prevention、Keywords: commercial bank non-performing loans、 The management system、 Risk management、 Countermeas
