商业银行信用风险管理教材(DOC 42页)

新疆区域内商业银行信用风险管理

摘要：本文主要研究商业银行的信用风险管理，以新疆区域内的部分商业银行的信用风险管理现状作为案例来进行分析。从当前的社会实践来看，商业银行所面临的最主要的风险就是信用风险，一家银行信用风险的大小情况如何，会直接影响到整个银行的发展和未来，而我国大部分的商业银行在管理信用风险的时候更多的是借鉴国外的管理方式和办法，但是随着我国金融体系的不断完善，商业银行发展所面临的现实情况在不断的变化，传统的银行信用风险管理办法已经不能够很好的适应，当前社会的进步和发展，因此就有必要对于我国商业银行的信用风险管理来进行研究，本文通过定性研究和实例分析的两种办法，来研究新疆区内商业银行的信用风险管理，同时结合当前国内外商业银行信用风险的管理办法，作为理论基础和实践基础，来找出新疆区域内商业银行信用风险管理过程中所存在的问题，并且提出必要的解决手段。

本文的主要结构包括以下几点

第一章：主要介绍了本文研究的背景，研究的意义研究的方法以及思路，通过这种方式来对于全文的结构进行一个梳理，重点突出研究的理论意义实践指导意义。

第二章：主要对于在论文写作过程中所收集的国内外相关文献一个整体的梳理，重点介绍了风险的基本特征和概念，信用风险的基本特征和概念。之后通过对文献资料的整理和分析，重点阐述了国内外银行信用风险管理的度量方法和模型以及相关的理论研究成果，通过对于这些理论研究的论述，为后文的写作提供必要的理论基础。

第三章：本文的第三章重点介绍了新疆区域内部商业银行的信用管理方式以及管理办法，同时对于当前新疆区域内部的商业银行在信用管理方式上所存在的问题，以及所面临的区域现状进行了剖析和分解，新疆德隆公司作为案例，重点对于该公司所面临的市场现状以及信用管理现状，进行分解和分析。

第四章：本文的第四章，结合前文中所分析的新疆区域内部商业银行信用管理方式所存在的问题，提出一定程度的解决办法，来为新疆区域内部商业银行的发展以及信用管理方式提供一些建议和解决方法，同时为我国其它地区的商业银行信用管理方式提供一定的借鉴。

通过对于本课题的研究，得出以下4个方面的结论：其一，宏观因素对于商业银行的信用风险的影响更加深刻，相对于微观个体来说，宏观因素所带来的风险是更大的，也会在很大程度上影响商业银行的发展与正常运作。其二，商业银行内部的管理水平如何也直接影响着商业银行所面临信用风险的大小，如果商业银行内部其完善的信用管理机制并且具有强有力的执行制度，会减少信用风险给银行的发展所带来的影响。其三，政府的宏观调控行为给商业银行的信用风险管理带来了一定程度的挑战，为了更好的应对宏观环境的变化，商业银行可以从进行必要的变革，实时监控金融风险，实时监控信用风险，树立起健全而完善的风险意识以及相关信用风险的危机处理办法。

关键字：商业银行；信用风险管理；新疆地区；问题与对策

Abstract: This paper mainly studies the credit risk management of commercial banks, in the Nanjing area of commercial banks in the credit risk management status duo as a case to analyze. In terms of the size of the bank's credit risk, the size of the bank's credit risk, and most of the commercial banks in the management of credit risk, but with the continuous improvement of China's financial system, commercial banks in the management of credit risk, but with the continuous improvement of the financial system, commercial banks in the management of credit risk, but with the continuous improvement of China's financial system. Risk management, combined with the current domestic and foreign commercial bank credit risk management approach, as the theoretical basis and practical basis, to find out the problems in the process of credit risk management of commercial banks in Xinjiang area, and put forward the necessary means to solve the problem.

The main structure of this paper consists of the following points

The first chapter mainly introduces the background of this research, the method and the way of thinking of the research.

In the second chapter, the paper mainly focuses on the research of the domestic and foreign literature, which is collected in the course of writing, and introduces the basic features and concepts of risk, the basic features and concepts of credit risk. After the collation and analysis of the literature, the paper focuses on the measurement methods and models of credit risk management in domestic and foreign banks, and

the related theoretical research results.

The third chapter: in the chapter 3, we introduced Xinjiang regional commercial banks internal credit management and the method of management, also for within the current Xinjiang regional commercial banks in the credit management of the existence of the problem, and facing the regional status quo of analyse and decomposition, Xinjiang Delong company as a case, focusing on for the company faces the market situation and the status of credit management, decomposition and analysis.

The fourth chapter: the fourth chapter, combined with the existing problems in the credit management mode of Xinjiang region, put forward a certain degree of solution, to provide some suggestions and solutions to the development of the commercial banks in Xinjiang area, and to provide some reference for the commercial banks in other areas of our country.

Through the study of this subject, we can draw the following conclusions: first, the macroeconomic factors have a greater impact on the credit risk of commercial banks. The risk is greater than the individual, and it will also affect the development of commercial banks and the normal operation. Second, the management level of the commercial banks has a direct impact on the size of the credit risk of commercial banks, if the commercial banks in their sound credit management mechanism and strong execution system, will reduce the impact of credit risk to the development of the bank. Third, the government's macroeconomic regulation and control of commercial banks credit risk management has brought a certain degree of challenge, in order to better respond to macroeconomic environment changes, commercial banks can from the necessary changes, real-time monitoring of financial risks, real-time monitoring of credit risk, establish a sound and perfect risk awareness and related credit risk of crisis management approach.

Key words: commercial banks; credit risk management; Xinjiang area; problems and Countermeasures

摘要： (1)

Abstract:. (2)

1. 绪论 (5)

1.1 研究的背景和意义 (5)