目 录
第1章 绪论··································································3
1.1 研究背景·····························································3
1.2 研究目的·····························································3
第2章 我国商业银行贷款的风险分析···········································4
2.1 商业银行贷款的风险概述··············································4
2.2 商业银行贷款风险特征·················································4
2.3 商业银行信贷的主要风险种类···········································5
2.4 我国商业银行信贷风险形成的原因·······································7
2.4.1 银行自身原因···················································7
2.4.2 外部环境因素···················································7
我国商业银行信贷管理存在的问题········································9
第4章 防范商业银行贷款风险的对策············································12
4.1 建立和完善的信贷档案管理体系·········································12
4.2 健全信贷风险预警机制·················································13
4.3 加强信贷程序的管理···················································13
4.4 优化商业银行贷款的经济社会环境·······································13
4.5 加强信贷文化建设·····················································14第5章 结论15
参 考 文 献································································15
内 容 摘 要
信贷风险管理是现代商业银行风险管理的核心内容之一。20世纪90年代以来，信贷风险管理成为商业银行风险管理中最关键也最具挑战性的领域之一。随着金融市场日趋复杂、衍生金融工具不断发展，商业银行的信贷风险暴露开始成倍增长，性质也更为复杂。对于我国，目前金融市场自由化还处于初级阶段，贷款仍占银行总资产的绝对比重，因此，商业银行面临最大的风险也是信贷风险。
本论文针对我国商业银行贷款风险管理为研究对象，依据专家的有关理论和相关学者的理论，讨论和研究商业银行贷款存在的风险，并提出相应的风险管理对策。由于我国商业银行的贷款市场发育的不成熟，也由于政策因素、经济环境因素的影响，商业银行贷款面临着诸多的风险。从社会经济环境来看，商业银行的贷款主要面临经济周期波动风险、监管部门监督不力带来的风险、政策风险及法律风险等：从商业银行自身来看，其面临着信用风险、流动性风险、抵押风险、操作风险等风险。近几年来，我国贷款业务在迅速发展，业务运作和风险管理在很大程度上就是继承着传统贷款业务的方法，显然存在着一些敝端。而在国外，贷款业务已有几十年的发展历程，已经成为一种很成熟的消费信贷业务，这些国家的风险管理体系拥有很多值得我国商业银行贷款风险防范进行比较借鉴的地方。
关键词：商业银行 信贷风险 原因 对策
