我国商业银行信贷风险研究

摘 要

随着2007-2008环球金融危机的爆发，越来越多的人开始意识到现代经济中的风险。事实上自20世纪90年代以来，国际范围内的经济危机就频繁爆发。人们开始关注金融安全，力求降低风险。经济危机中最主要的就是金融危机。银行部门是金融部门的核心，其核心业务- -信贷- -所涉及的风险对银行和整个金融部门都有相当大的影响。本文从我国经济社会学的现状出发，从商业银行的信贷业务入手。

对商业银行风险形成的成因做详细的分析。之后从理论转为实际，结合当前我国商业商业银行的发展特点，对其风险成因做了具体的研究，并尝试对其中的问题给出一定的自主建议，对我国当前商业银行信贷业务风险方面的管理和理论研究做了进一步探讨。

关键词：商业银行；信贷风险；研究影响

Abstract

With the outbreak of the 2007-2008 global financial crisis, more and more people are beginning to realize that the risk of a modern economy. In fact since the 1990s, the international economic crisis on the frequent outbreaks. People began to focus on financial security, and strive to reduce risk. The most important is the economic crisis financial crisis. The banking industry as the core of the financial industry, its main business - credit risk to banks and the entire financial industry have an enormous impact. This article from the credit operations of commercial banks, combining the current development of economic sociology, the causes of the commercial banks formed a detailed risk analysis. After the theory into practice, combined with the characteristics of the current development of China's commercial commercial banks, the causes of its risk to do a specific research question and try to give them some autonomy proposal for China's current commercial banking business of credit risk management and theoretical studies were further explored. 

Key words:commercial banks; Influence; credit risk

目    录

摘 要1

Abstract2

引 言5

一. 商业银行信贷风险及其特点6

（一）金融风险与信贷风险的概念6

（二）信贷风险的种类6

（三）信贷风险的特征7

二  商业银行风险成因分析9

（一）一般角度9

（二）经济学角度9

三 商业银行信贷风险现状及其成因分析11

（一）资金运营渠道太过单一，风险集中11

（二）不良贷款比例高，引发风险11

（三）信贷集中，风险放大12

四 存在问题与解决方法13

（一）信贷风险管理不成熟13

（二）信贷管理内部控制有所欠缺13

1. 信贷定价无实际意义13

2.管理方法单一14

3.资本实际不充足14

（三）信贷监管约束体系不健全15

五 结论17

参考文献18