本文選題：信貸風(fēng)險(xiǎn)　切入點(diǎn)：不良資產(chǎn)　出處：《吉林大學(xué)》2013年碩士論文

【摘要】：商業(yè)銀行是現(xiàn)代金融體系的主體。在社會(huì)經(jīng)濟(jì)生活中，商業(yè)銀行通過資金融通和結(jié)算便利實(shí)現(xiàn)了全社會(huì)絕大部分資金的周轉(zhuǎn)流動(dòng)，并發(fā)揮著創(chuàng)造價(jià)值的功能。正因?yàn)樯虡I(yè)銀行在整個(gè)金融體系中的重要地位，其穩(wěn)定性會(huì)直接影響到整個(gè)金融體系乃至整個(gè)市場經(jīng)濟(jì)的穩(wěn)定和發(fā)展。特別是在中國，長期形成的以商業(yè)銀行信貸業(yè)務(wù)為主融資在社會(huì)融資結(jié)構(gòu)中居于主導(dǎo)地位的模式，決定了商業(yè)銀行的信貸風(fēng)險(xiǎn)是我國現(xiàn)階段金融體系中的最主要的風(fēng)險(xiǎn)。因此，研究商業(yè)銀行的信貸風(fēng)險(xiǎn)，可以從根源和本質(zhì)上全面把握商業(yè)銀行的風(fēng)險(xiǎn)特征和表現(xiàn)。 風(fēng)險(xiǎn)管理是商業(yè)銀行保持流動(dòng)性、安全性和效益型的前提，是商業(yè)銀行經(jīng)營發(fā)展的主題之一。在日益融合的國際國內(nèi)經(jīng)濟(jì)和金融環(huán)境下，能否實(shí)施有效的風(fēng)險(xiǎn)管理是衡量商業(yè)銀行核心競爭力的重要尺度。信貸風(fēng)險(xiǎn)管理是商業(yè)銀行在經(jīng)營過程中面臨的主要問題之一，因此為了提高商業(yè)銀行的核心競爭能力，加強(qiáng)對信貸風(fēng)險(xiǎn)的管理對于商業(yè)銀行來說具有非常重要的意義。 雖然近年來我國銀行業(yè)的利潤來源渠道多樣化，但信貸資產(chǎn)仍舊是我國商業(yè)銀行經(jīng)營的主要資產(chǎn)和主要收入來源。商業(yè)銀行信貸資產(chǎn)的好壞、風(fēng)險(xiǎn)的高低不僅直接關(guān)系著自身盈利水平的高低，而且關(guān)系到整個(gè)社會(huì)的安定和國民經(jīng)濟(jì)平穩(wěn)的運(yùn)行。 雖然近幾年國家加大了企業(yè)債、公司債、私募債等資本市場直接融資的手段，但是我國目前的資本市場現(xiàn)狀下，間接融資仍然是企業(yè)融資的主流，我國銀行貸款占GDP的比重超過110%，高于世界平均水平，證券市場經(jīng)過近幾年的快速發(fā)展，據(jù)2010年的流通市值數(shù)據(jù)已占到GDP的48.52%，達(dá)到了大多數(shù)發(fā)展國家的數(shù)值40%-50%的水平，與發(fā)達(dá)國家的證券市場還有較大的差距，說明我國企業(yè)直接融資的途徑還不是較順暢，難以滿足眾多中小企業(yè)對融資需求的滿足。 至少目前，我國企業(yè)的資金需求仍更多的依賴于商業(yè)銀行渠道，這使得企業(yè)的經(jīng)營風(fēng)險(xiǎn)更多的集中到銀行體系中，一旦企業(yè)經(jīng)營出現(xiàn)問題或出現(xiàn)其他原因而倒閉，風(fēng)險(xiǎn)勢必會(huì)轉(zhuǎn)嫁到銀行，形成銀行的不良資產(chǎn)。據(jù)銀監(jiān)會(huì)公布2012年年末，商業(yè)銀行不良貸款余額達(dá)4929億元，不良貸款率為0.95%。其中，大型商業(yè)銀行不良貸款率為0.99%;股份制商業(yè)銀行不良貸款率為0.72%;城市商業(yè)銀行不良貸款率為0.81%;農(nóng)村商業(yè)銀行不良貸款率為1.76%;外資銀行不良貸款率為0.52%，體現(xiàn)了我國商業(yè)銀行良好的信貸風(fēng)險(xiǎn)控制機(jī)制。 本文的目的是以X公司的高分散性白炭黑項(xiàng)目貸款為視角，探討在商業(yè)銀行的角度，，在如何更好的支持企業(yè)發(fā)展，規(guī)避信貸風(fēng)險(xiǎn)，加強(qiáng)信貸風(fēng)險(xiǎn)管理手段。首先從X公司白炭黑項(xiàng)目的現(xiàn)狀分析著手，認(rèn)為信貸風(fēng)險(xiǎn)是多維度的，再根據(jù)各種條件分析項(xiàng)目貸款的風(fēng)險(xiǎn)來源，最后根據(jù)各類信用風(fēng)險(xiǎn)提出貸款的風(fēng)險(xiǎn)控制措施�？偟目磥恚覈虡I(yè)銀行在較短的時(shí)間內(nèi)信貸風(fēng)險(xiǎn)管理水平迅速提升，并不斷縮小了國際先進(jìn)銀行的差距。
[Abstract]:The commercial bank is the main body of the modern financial system. In the social and economic life, commercial banks have achieved a turnover of the whole society most of the funds through financing and settlement facilities, and play the function that creates value. Because of the commercial bank important position in the entire financial system, its stability will directly affect the stability and the development of the entire financial system and even the whole market economy. Especially in the China, the formation of long-term credit business of commercial bank financing mainly in the leading position in the social financing structure model, determines the commercial bank's credit risk is the main risk of the present stage of our country's financial system. Therefore, the study of commercial bank credit the risk from the roots and essence of a comprehensive grasp of risk characteristics and performance of commercial banks.
The risk management of commercial banks to maintain liquidity, safety and efficiency of the premise, is one of the themes of the development of commercial banks. In the increasing integration of domestic and international economic and financial environment, whether the implementation of effective risk management is to measure the scale of the core competitiveness of commercial banks. Credit risk management is one of the main problems of commercial banks face in the management process, in order to improve the core competitive ability of commercial banks, strengthen the credit risk management has very important significance for commercial banks.
Although China's banking industry in recent years, the profit of diverse sources of credit assets, but is still the main assets of commercial banks in China and the main source of income. The credit assets of commercial banks is not only the level of risk is directly related to the level of their own profit level, and relates to the social stability and the national economy steady run.
Although in recent years the state has increased corporate bonds, corporate bonds, private debt and other capital market direct financing means, but the current status of our capital market, indirect financing is still the mainstream of enterprise financing in our country, bank loans accounted for over 110% of GDP, higher than the world average, the securities market has been rapid development in recent years, according to market capitalization data in 2010 has accounted for 48.52% of GDP, reached the most developed countries value 40%-50% level, and the securities markets of developed countries there is a large gap, ways of direct financing of enterprises in our country is not smooth, it is difficult to meet the large number of small and medium enterprises to meet the financing needs.
At present, our country enterprise demand for funds is still more dependent on the channel of commercial banks, the business risk is more concentrated in the banking system, once the business problems or other reasons and the collapse risk is bound to be passed on to the bank, the formation of bank non-performing assets. According to the CBRC announced at the end of 2012, the balance of non-performing loans of commercial banks amounted to 492 billion 900 million yuan, the NPL ratio was 0.95%. among them, large commercial banks non-performing loans rate of 0.99%; joint-stock commercial banks non-performing loan rate of 0.72%; city commercial banks non-performing loan rate of 0.81%; rural commercial banks non-performing loan rate of 1.76%; foreign bank non-performing loan rate of 0.52%, reflecting the the credit risk control mechanism of commercial banks in China is good.
The purpose of this paper is based on X's high dispersible silica project loan from the perspective of study in the perspective of commercial banks, how to better support the development in the enterprise, avoid credit risk, strengthen the means of credit risk management. Starting from the present situation of X company of white carbon black project analysis, that the credit risk is multidimensional, and according to the analysis of various conditions of the project loan risk sources, according to the risk control measures of credit risk of a loan. In general, the level of credit in a relatively short period of time to risk management of commercial banks in China increased rapidly, and shrinking international advanced banks.

【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4;F275

【參考文獻(xiàn)】

相關(guān)期刊論文 前9條

1 李軍;黃金霞;趙金德;曲茵;;白炭黑發(fā)展現(xiàn)狀及市場前景[J];化工科技;2011年04期

2 汪澤;;節(jié)能減排的重要選擇發(fā)展綠色輪胎[J];汽車與配件;2010年25期

3 尹鵬;肖峰;;商業(yè)銀行風(fēng)險(xiǎn)管理的發(fā)展方向[J];現(xiàn)代經(jīng)濟(jì)(現(xiàn)代物業(yè)下半月刊);2007年08期

4 朱玉蓀;孫志斌;;沉淀法白炭黑的生產(chǎn)現(xiàn)狀和市場發(fā)展趨勢[J];橡膠科技市場;2009年11期

5 朱玉蓀;孫志斌;;我國白炭黑生產(chǎn)應(yīng)用現(xiàn)狀及前景預(yù)測[J];橡膠科技市場;2010年14期

6 朱春雨;;我國沉淀法白炭黑市場現(xiàn)狀及發(fā)展趨勢[J];橡膠科技市場;2011年06期

7 范正平;劉敏;;我國白炭黑工業(yè)的現(xiàn)狀與發(fā)展[J];中國橡膠;2008年19期

8 李炳炎;;國內(nèi)外沉淀法白炭黑現(xiàn)狀和發(fā)展趨勢[J];中國橡膠;2010年24期

9 宋寶崧;;關(guān)于提升我國商業(yè)銀行風(fēng)險(xiǎn)管理能力的思考[J];內(nèi)蒙古民族大學(xué)學(xué)報(bào);2009年06期

本文編號：1653247