论我国商业银行贷款风险管理制度

摘要································································2

绪论·······················································3

1.1研究背景·······················································3

1.2研究目的·······················································3

1.3研究内容与研究方法·············································4

第二章 我国商业银行贷款的风险分析··································4

2.1商业银行贷款的风险概述·········································4

2.2商业银行贷款风险分析···········································5

第三章 西方商业银行信贷风险质量方法简述····························7

3.1信用文化·······················································7

3.2风险等级评定制度···············································7

3.3贷款定价·······················································7

3.4贷款损失的预测·················································7

3.5贷款组合管理···················································8

3.6贷款监督·······················································8

第四章 我国商业银行信贷风险管理存在问题····························8

4.1商业银行的监管存在缺陷··········································8

4.1.1信用风险管理机构方面存在问题·································9

4.1.2信贷管理机制不健全···········································9

4.1.3信贷管理方法和手段落后·······································9

4.1.4信贷人员综合素质不高·········································9

4.2需求方固有低估贷款风险的意识倾向································9

4.3信用体系建设落后，风险机制不健全·······························10

第五章 防范商业银行贷款风险的对策建议·····························10

5.1建立和完善信用体系，加强信用管理······························10

5.1.1建立健全银行信贷风险管理的组织机构和信贷管理机制···········10

5.1.2建立良好的企业文化，提高员工的综合素质。····················11

5.1.3建立信贷风险预警体系及企业信用风险等级评价模型。············12

5.1.4实施贷款定价管理。··········································12

5.1.5建立符合我国国情及财务制度·································12

5.1.6运用资产组合管理法，降低和分散信贷风险。····················12

5.2合理安排商业银行资产的流动性··································12

5.3认真审核，防范抵押风险········································13

5.4优化商业银行贷款的经济社会环境································13

第六章 结论·······················································13

参考文献··························································14

 摘 要

随着我国改革开放和市场经济的进一步发展，我国商业银行信贷资产、质量持续下降，信贷风险不断上升。由于我国商业银行的贷款市场发育的不成熟，也由于政策因素、经济环境因素的影响，商业银行贷款面临着诸多的风险。从社会经济环境来看，商业银行的贷款主要面临经济周期波动风险、监管部门监督不力带来的风险、政策风险及法律风险等；从商业银行自身来看，其面临着信用风险、流动性风险、抵押风险、操作风险等风险。近几年来，我国贷款业务在迅速发展，业务运作和风险管理在很大程度上继承着传统贷款业务的方法，显然存在着一些弊端。因此，借鉴西方银行信贷风险管理的创新经验，结合我国的实际状况，提出改善我国银行信贷风险管理质量的政策建议。

关键词：商业银行  贷款  风险  防范  借鉴