摘要改革开放以来,越南商业银行有了长足发展,对越南工业化和现代化建设作出了重要贡献。伴随着越南商业银行规模的扩大，信贷业务也不断扩大。银行信贷扩大既给商业银行带来更多的盈利，同时也带来很多潜在风险，因此，健全商业银行信用风险管理系统是越南商业银行的重要任务。本文以越南农业发展银行为对象，对其信用风险管理问题进行探讨。论文首先对相关研究进行了梳理和归纳。接着，对商业银行信用风险的相关范畴进行了介绍。然后，着重对越南河内农业发展银行信用风险管理的现状进行了分析，探讨了河内农业发展银行信用风险管理存在的问题。最后从提高风险识别能力等六个方面对完善越南河内农业发展银行的信用风险管理提出了建议。68210

毕业论文关键词  越南，河内农业发展银行，信用风险

毕 业 论 文 外 文 摘 要

Title   Research on credit risk management in Ha Noi Bank for  Agricultural development

Abstract

After reforming and opening period, Vietnam commercial Banks have developed significantly, which has contributed hugely to the process of country’s industrialization and modernization. It is clear that The expansion of commercial banks has lead to a constant increase of credit operations. However, The growth of credit operations brings banks not only profitable but also many potential risks; therefore, It is neccesary and important for Vietnam commercial Banks to improve the risk management system in banking credit operations. In my thesis, I selected Hanoi Bank for Agricultural development as an object to research about problems of credit risk management. Firstly, the thesis summaries and classifies related studies. Secondly, it introduces aspects of credit risks in commercial banks; next, the third part focuses on analysing the status of credit risk management and the existing problems in Hanoi Bank for Agricultural development. Finally, it gives recommendations to improve the management of credit risk from 6 aspects, such as capacity building risk assessment, and so on... in Hanoi Bank for Agricultural development.

Keywords  Viet Nam, Ha Noi Bank for Agricultural development, credit risk

目录

1 绪论 1

1.1 研究背景和意义 1

1.2 文献综述 1

1.3 研究方法和手段 3

1.4 论文结构 4

2 商业银行信用风险概述 5

2.1 商业银行信用风险概念 5

2.2 商业银行信用风险特点 5

2.2.1 信用风险概率分布的不对称性 5

2.2.2 信用风险的非系统性 6

2.2.3 信用风险的观察数据少且不易获取 6

2.3.4 道德风险在信用风险的形成中起重要的作用 6

2.3 商业银行信用风险的影响 6

2.3.1 对银行的影响 6

2.3.2 对经济体系的影响 7

2.4 商业银行信用风险来源 7

2.4.1 从银行内部分析 7

2.4.2 从银行外部分析 8

3 越南河内农业发展银行信用风险管理现状及存在的问题