中国xx银行信用评级方法研究 大摘要.doc
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中国xx银行信用评级方法研究 大摘要,摘要我国加入wto后，国内商业银行，信贷风险管理方面的改进是国有商业银行近年来最明显的进步之一，这些银行先后采用了审贷分离、集体审议、分级授权等信贷管理制度，引进了信用评级、贷款评估、客户授信、贷款五级分类等信贷管理工具。信用风险是我国商业银行的主要风险，目前我国商业银行的信用风险管理水平偏低，传统的信用风险管理缺乏主...
内容介绍
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摘要
我国加入WTO后，国内商业银行，信贷风险管理方面的改进是国有商业银行近年来最明显的进步之一，这些银行先后采用了审贷分离、集体审议、分级授权等信贷管理制度，引进了信用评级、贷款评估、客户授信、贷款五级分类等信贷管理工具。信用风险是我国商业银行的主要风险，目前我国商业银行的信用风险管理水平偏低，传统的信用风险管理缺乏主动性的理念，信用风险管理缺乏系统性，导致我国商业银行信贷资产质量普遍较差，严重影响了银行的收益。
2008年在金融危机背景下的中国xx银行不良贷款余额不增反降，比上年末下降73亿元，不良率同比下降0.45个百分点至2.29%，连续9年实现“双下降”，一度跃居世界银行之首。
本文对中国xx银行信用评级进行了全面的研究，阐述了中国xx银行信用评级方法及其管理。
关键字 中国xx银行 信用评级 方法
Abstract
After our countries join into WTO,the internal commercial banks,the improvement in cridit risk management of the internal commercial banks is the most obvious advancement in recent years.The banks successively used some managing systems such as separation of the auditing and loan,collective consideration,graduation authorization and introduced into some credit managing tools which are credit rating,loan eva luation,customer credit,five levels of classifications for loan and so on.Credit risk is the predominant of all the risks commercial banks conftont in China.And at present,the level of credit risk management of commercial banks is relatively inferior.The lack of sense of initiative and systematic planning in traditional credit risk management.Results in the low quality of the credit property of the commercial banks and the great decrease of the benefits of the banks.
Financial crisis in 2008 against the backdrop of the Industrial and Commercial Bank of China is not the balance of non-performing loans decreased by more than 7.3 billion decline the previous year,year-on-year decline in non-performing rate of 0.45 percentage point to 2.29 percent,for 9 consecutive years to achieve the “double down”,had leapt first in the World Bank.In this paper,the Industrial and Commercial Bank of China’s credit rating to carry out a comprehensive study on the Industial and Commercial Bank of China’s credit rating and management methods.
In this paper,the Industrial and Commerical Bank of China’s credit rating to carry out a comprehensive study on the Industrial and Commerical Bank of China’s credit rating and management methods.
我国加入WTO后，国内商业银行，信贷风险管理方面的改进是国有商业银行近年来最明显的进步之一，这些银行先后采用了审贷分离、集体审议、分级授权等信贷管理制度，引进了信用评级、贷款评估、客户授信、贷款五级分类等信贷管理工具。信用风险是我国商业银行的主要风险，目前我国商业银行的信用风险管理水平偏低，传统的信用风险管理缺乏主动性的理念，信用风险管理缺乏系统性，导致我国商业银行信贷资产质量普遍较差，严重影响了银行的收益。
2008年在金融危机背景下的中国xx银行不良贷款余额不增反降，比上年末下降73亿元，不良率同比下降0.45个百分点至2.29%，连续9年实现“双下降”，一度跃居世界银行之首。
本文对中国xx银行信用评级进行了全面的研究，阐述了中国xx银行信用评级方法及其管理。
关键字 中国xx银行 信用评级 方法
Abstract
After our countries join into WTO,the internal commercial banks,the improvement in cridit risk management of the internal commercial banks is the most obvious advancement in recent years.The banks successively used some managing systems such as separation of the auditing and loan,collective consideration,graduation authorization and introduced into some credit managing tools which are credit rating,loan eva luation,customer credit,five levels of classifications for loan and so on.Credit risk is the predominant of all the risks commercial banks conftont in China.And at present,the level of credit risk management of commercial banks is relatively inferior.The lack of sense of initiative and systematic planning in traditional credit risk management.Results in the low quality of the credit property of the commercial banks and the great decrease of the benefits of the banks.
Financial crisis in 2008 against the backdrop of the Industrial and Commercial Bank of China is not the balance of non-performing loans decreased by more than 7.3 billion decline the previous year,year-on-year decline in non-performing rate of 0.45 percentage point to 2.29 percent,for 9 consecutive years to achieve the “double down”,had leapt first in the World Bank.In this paper,the Industrial and Commercial Bank of China’s credit rating to carry out a comprehensive study on the Industial and Commercial Bank of China’s credit rating and management methods.
In this paper,the Industrial and Commerical Bank of China’s credit rating to carry out a comprehensive study on the Industrial and Commerical Bank of China’s credit rating and management methods.
