商业银行信用风险管理研究.doc

摘要：商业银行面临的最主要的风险之一就是信用风险，贯穿于银行的整个经营过程。随着市场经济的不断发展，信用风险的大小已经从根本上决定了整个金融体系是否稳定。因此，如何有效的管理信用风险是商业银行成败的关键，也是社会健康、持续、稳定发展的前提。

　　　由于体制、历史的原因，我国商业银行对管理信用风险的方法更多的是停留在传统信用分析方法和不灵活运用有关规章制度上，肤浅地认识、理解、研究、掌握现代商业银行信用风险管理技术，这才导致我国商业银行信用风险管理水平落后于发达国家。同时，由于在传统计划经济模式下政企不分、银企不分对信贷活动的影响，我国商业银行的信用风险管理的实际操作水平还较为落后，信用风险的形势还相当严峻。

　　　本文共分为四章。第一章阐述了本文的研究背景、意义，全面总结了商业银行信用风险的国内外研究状况和研究方法。第二章主要是理论知识，介绍商业银行信用风险的概念、特点和贷款五级分类法。第三章以南京银行泰州分行的信用风险管理的现状为例，找出该银行采用的风险防范方法的不足。第四章针对信用风险管理的不足，提出分散、降低该银行的信用风险的建议。

关键词 信用风险；商业银行；信用风险管理

Abstract：Credit risk is one of the main risks that commercial banks face throughout the whole operating process of the bank. The level of the credit risk fundamentally determines the stability of the entire financial system while the economy is developing continuously. So how to manage the credit risk effectively is the key to success of commercial Banks, as well as the premise of steady and healthy social development.

　　　 Due to past records and the system of our country, credit risk management of commercial banks in our country pays more attention to the inflexible application of traditional credit analysis method and the relevant rules and regulations. Understanding, study and master of the modern commercial bank credit risk management techniques is shallow, this leads to the level of credit risk management of commercial banks in China lags behind developed countries. At the same time, due to the effect of integration of government administration with enterprise, bank with enterprise under traditional planned economy mode, the actual operant level of credit risk management of commercial banks is relatively backward, the terrain of credit risk management is fairly rigorous.

　　　 This article is divided into four chapters. Chapter one illustrates the research background and significance of the paper, comprehensively summed up research status and research methods of the credit risk of commercial Banks at home and abroad. The second chapter is mainly theoretical knowledge, this paper introduces the concept and characteristics of commercial bank credit risk and loan classification method. Chapter three takes the credit risk of bank of Nanjing Taizhou branch for example, points out the insufficiencies of the prevention methods of the bank. Chapter four puts forward proposals of how to reduce and scatter the bank’s credit risk aiming at the insufficiencies of the credit risk management of the bank.

Keywords  Credit Risk  Commercial Banks  Management of Commercial Banks