我国商业银行贷款风险管理探讨

目       录

第一章 绪论··································································2

1.1研究的背景································································2

1.2研究的目的································································2

1.3研究的内容和方法··························································2

第二章 我国商业银行贷款的风险分析············································2

2.1商业银行贷款的风险概述····················································2

2.2商业银行贷款的风险分析····················································3

第三章 我国商业银行贷款存在的问题············································4

3.1商业银行的监管存在缺陷····················································4

3.2商业银行贷款信用体系建设落后··············································4

3.3商业银行风险机制不健全····················································4

第四章 国外商业银行贷款风险防范的比较与借鉴··································5

4.1国外商业银行信用体系-征信数据体系·········································5

4.2国外商业银行信用管理法律法规的比较与借鉴··································6

第五章 防范商业银行贷款风险的对策建议········································6

5.1完善信用体系，加强信用管理················································6

5.2完善商业银行内部管理制度··················································6

5.3深化金融体制改革，优化我国商业银行的外部经营环境··························7

第六章 结论··································································7

参考文献·····································································8

内 容 摘 要

 

商业银行的经营与生俱来就具有诸多风险，例如我国商业银行的贷款市场发育的不成熟、政策因素、经济因素的影响。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，其面临真信用风险、流动性风险、抵押风险、操作风险、贷款管理体制的不完善等风险。近几年来我国的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。而在国外，贷款业务已经成为一种成熟的消费信贷业务，他们的风险管理体系很多值得我国商业银行贷款风险防范进行比较借鉴的地方。根据我国的实际情况，我国商业银行应该借鉴国外风险管理模式在建立和完善信用体系合理安排商业银行资产的流动性、着力把好抵押关、稳步发展贷款资产证券化等大力防范贷款风险。并提出相依的风险管理对策。

关键词：商业银行 贷款风险 贷款管理体制 风险防范