商业银行信用风险国际分析与借鉴
毕业论文关键词：商业银行信用风险；信用风险管理；国际借鉴
Abstract Commercial bank face many risks in management ,credit risk is the most important. In our country ,The credit risk of commercial Banks is very obvious , affected the financial efficiency and security seriously .The government and bank industry has taken some methods to deal with non-performing assets , but the credit risk still exists ,mainly because credit risk management in our country is under developing ,commercial bank credit risk management backward technology .Therefore , studying and learning from the international advanced commercial bank credit management theory practice and technical management , towards international standards has important practical significance to the construction of model credit risk management and to promote the competitiness of commercial bank in China , as well as exploring rays of credit management which caters for the operating environment and characteristics of the modern commercial banks in China. Therefore, this article through the analysis advanced commercial Banks credit risk management model on the international, combining with our country’s situation , give some suggestions and opinions for our country to improve the credit management of commercial banks in China through the discovery of problems ,in order to provide effects on the management of commercial banks and the development of their service to maintain the safety of financial and economic operation.
Key Words：commercial banks credit risk；credit risk management；international learning
目 录
摘 要I AbstractII
1．绪论1
1．1研究背景及选题意义1
1．2文献综述2
1.2.1国内研究现状2
1.2.2国外研究现状2
2．商业银行信用风险概述3
2.1商业银行信用风险的概念、含义3
2.2形成商业银行信用风险的原因3
3．我国商业银行信用风险管理的发展情况4
3.1我国和世界商业银行信用风险管理发展的历程4
3.2我国商业银行信用风险管理的现状及分析5
3.2.1宏观方面5
3.2.2微观方面6
4．国外商业银行信用风险管理分析6
4.1美国商业银行信用风险管理6
4.2日本商业银行信用风险管理8
5．完善我国商业银行信用风险管理的措施8
5．1完善我国商业银行信用风险的外部监管9
5.1.1建立健全我国的信用风险管理法律制度并加强监管9
5.1.2要形成良好的社会信用环境9
5.1.3制定对失信企业约束惩罚机制9
5．2完善我国商业银行信用风险的内部监管9
5.2.1加强我国商业银行信用风险内部控制制度9
5.2.2完善我国商业银行信用风险管理的内部评级体系10
5.2.3严格监控商业银行信用风险核心监管指标10
参考文献 11
致 谢 13
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