本文選題：商業(yè)銀行 + 對公授信　； 參考：《云南大學(xué)》2013年碩士論文

【摘要】：對公授信業(yè)務(wù)是當(dāng)前我國商業(yè)銀行的支柱性業(yè)務(wù),同時也是商業(yè)銀行操作風(fēng)險高發(fā)業(yè)務(wù)之一。對公授信業(yè)務(wù)操作風(fēng)險的特點就是,一旦出現(xiàn)操作風(fēng)險與信用風(fēng)險的藕合,所造成的信貸資產(chǎn)損失往往遠(yuǎn)大于純粹的信用風(fēng)險。因此,加強商業(yè)銀行對公授信業(yè)務(wù)領(lǐng)域的風(fēng)險防范,提高商業(yè)銀行對公業(yè)務(wù)中信貸風(fēng)險管理水平,對有效降低商業(yè)銀行的信貸資產(chǎn)損失,改善商業(yè)銀行的經(jīng)營狀況具有重大意義。 信貸風(fēng)險管理的過程,其實就是對風(fēng)險進(jìn)行事前防范、事中控制和事后處理的過程,是商業(yè)銀行為實現(xiàn)經(jīng)營目標(biāo)所建立的一種機制。因此,從我國現(xiàn)實的信貸環(huán)境出發(fā),研究探討商業(yè)銀行授信業(yè)務(wù)的風(fēng)險識別、評估和分析,預(yù)測風(fēng)險發(fā)生的可能并采取措施控制客觀條件的變化,降低風(fēng)險發(fā)生的概率,這對于保障商業(yè)銀行穩(wěn)健運營,促進(jìn)銀行信貸業(yè)務(wù)的創(chuàng)新和發(fā)展,具有十分重要的意義。 本文對商業(yè)銀行對公授信業(yè)務(wù)中信貸風(fēng)險管理的現(xiàn)狀進(jìn)行介紹,接著分析了商業(yè)銀行對公授信業(yè)務(wù)中信貸風(fēng)險管理存在的問題,并對產(chǎn)生這些問題的原因進(jìn)行了分析。針對商業(yè)銀行對公業(yè)務(wù)中信貸風(fēng)險管理存在的問題,提出進(jìn)一步完善我國商業(yè)銀行對公業(yè)務(wù)信貸風(fēng)險管理的建議。希望本文的研究能為完善我國商業(yè)銀行對公業(yè)務(wù)信貸的風(fēng)險管理制度,降低對公業(yè)務(wù)中的信貸風(fēng)險有一定的借鑒意義。
[Abstract]:The business of public credit is the pillar business of commercial banks in our country at present, and it is one of the high risk business of commercial banks at the same time. The operational risk of public credit business is characterized by that once the operational risk and credit risk are coupled, the loss of credit assets is often much larger than that of pure credit risk. Therefore, strengthening the risk prevention of commercial banks in the field of public credit business, raising the level of credit risk management of commercial banks in public business, and effectively reducing the loss of credit assets of commercial banks, It is of great significance to improve the management of commercial banks. The process of credit risk management is actually the process of preventing risks in advance, controlling them and dealing with them afterwards, which is a kind of mechanism established by commercial banks to achieve their business objectives. Therefore, starting from the actual credit environment of our country, this paper studies and discusses the risk identification, evaluation and analysis of the credit business of commercial banks, predicts the possibility of risk occurrence, and takes measures to control the change of objective conditions and reduce the probability of risk occurrence. It is of great significance to ensure the steady operation of commercial banks and promote the innovation and development of bank credit business. This paper introduces the current situation of credit risk management in public credit business of commercial banks, then analyzes the problems existing in credit risk management of commercial banks in public credit business, and analyzes the causes of these problems. Aiming at the problems existing in the credit risk management of commercial banks, the paper puts forward some suggestions on how to improve the credit risk management of commercial banks. It is hoped that the research in this paper can be used for reference in perfecting the risk management system of commercial banks' credit to public business and reducing the credit risk in public business.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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