我国商业银行信用风险管理研究

我国商业银行信用风险管理研究

摘要：自银行成立以来，风险就与之相伴。随着现代经济的不断发展，商业银行所面临的风险呈现出更为复杂多变的特征。美国的次贷危机引发全球经济下滑等诸多问题，使银行的信用风险问题不得不再一次成为被全球热议的话题。当前，如何管理好信用风险是各国商业银行面临的最大难题。特别是对于我国的商业银行来说，原本特殊的经济发展历程，再加上当前的严峻形势，商业银行的信用风险已成为国内金融业研究的核心问题。有效解决商业银行信用风险管理问题对国内金融经济的发展与安全起着至关重要的作用，甚至影响我国经济在全球经济中的竞争力。

本文首先介绍了商业银行信用风险的历史背景和目前我国商业银行信用风险的现状的一系列问题，归纳出我国商业银行的一些基本特征，其次，详细分析了我国商业银行信用风险管理现状产生的一些主要原因，最后总结了现阶段商业银行在信用风险管理方面应该采取的一些措施。

关键词：信用风险；商业银行；信用评级；信用风险管理

Analysis on Credit Risk Management of Commercial Banks

Abstraet：Since the establishment of the bank, the risk associated with it. With the development of modern economy, the risk of commercial banks is more complicated and changeable. U.S. subprime mortgage crisis triggered a global economic downturn and many other problems, so that the bank's credit risk issues have to be once again become a global hot topic. At present, how to manage the credit risk is the biggest problem that the commercial banks of all countries face. Especially for China's commercial banks, the original special economic development process, coupled with the current grim situation, the credit risk of commercial banks has become the core issue of the domestic financial industry. Effectively solve the problem of credit risk management of commercial banks plays an important role in the development and security of domestic financial economy, and even affect the competitiveness of China's economy in the global economy. 

First, this article introduces the commercial bank credit risks of the historical background and the current situation of commercial bank credit risk, and sums up the problems of commercial Banks in China, secondly, some basic characteristics are analyzed in detail in the credit risk management of commercial Banks of some main reason status, finally summarized the present in the credit risk management of commercial Banks should adopt some measures.

Key Words: Credit risk;Commercial bank;Credit rating;Credit risk management

目录

中文摘要

英文摘要

一、我国商业银行信用风险的历史、特征.........................................................1

（一）我国商业银行信用风险的历史.........................................................1

（二）我国商业银行信用风险的特征..........................................................2

二、我国商业银行信用风险的成因.......................................................................4

（一）银行管理体制落后...............................................................................4

（二）政府部门对银行业的隐含担保...........................................................4

（三）商业银行信贷资产质量将持续下降...................................................4

（四）社会信用环境欠佳................................................................................6

（五）缺乏强有力的监督制约机制................................................................6

三、我国商业银行信用风险管理的现状

(一)基础数据累积不足...............................................................................7

(二)我国商业银行信用风险管理机制不健全...........................................7

(三)信用风险评估体系不完善、缺乏先进的风险评估技术...................8

四、加强商业银行信用风险管理的对策................................................................7

（一）借鉴国际商业银行的风险管理方法理念.............................................8

（二）建立有效的内部风险管理体系.............................................................10

（三）优化商业银行经营的外部环境.............................................................11

（四）完善风险监测体系、加快银行内部信用评级体系建设.....................11

（五）培养信用风险的管理文化、加强人才队伍的建设.............................11

结束语........................................................................................................................12

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