商业银行贷款风险控制 61页.rar
商业银行贷款风险控制 61页,摘要目前我国商业银行正面临着严重的贷款风险，本文在经过大量的实践调查、理论研究与查阅中外文献研究之后，结合我国现阶段经济管理体制、银行管理体制的巨大变革的历史阶段对银行产生的重大影响，提出了我国商业银行贷款风险存在的一般原因与特殊历史阶段原因(即l、体制失范2、政策偏狭3、行政干预4、企业改革不彻底等深层次原因)。针对...
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内容介绍
原文档由会员 白痴学东西 发布
摘要
目前我国商业银行正面临着严重的贷款风险，本文在经过大量的
实践调查、理论研究与查阅中外文献研究之后，结合我国现阶段经济
管理体制、银行管理体制的巨大变革的历史阶段对银行产生的重大影
响，提出了我国商业银行贷款风险存在的一般原因与特殊历史阶段原
因(即l、体制失范2、政策偏狭3、行政干预4、企业改革不彻底等
深层次原因)。针对以上原因，本文提出了防范与化解贷款风险的一些
措施:如建立预警系统、程序控制等，并提出了要恢复主办银行体制
的观点，以期对我国商业银行贷款风险控制能力的提升有所帮助。
关键词:商业银行、贷款风险、控制、主办银行制
第一章贷款风险的概念与分类·······································……1
一定义·······························································……1
二‘贷款风险的分类··········，·················...·.·.·...……，..……l
第二章现阶段商业银行存在不良贷款深层次的原因············……4
一现阶段商业银行存在不良贷款现状·····················……4
二现阶段商业银行存在不良贷款深层次的原因············……6
第三章防范与化解商业银行贷款企业贷款风险的途径······……22
一加强贷款企业分析··········································……22
二建立信誉调查制度是开展贷前调查设置风险防范的第一道防
线的重要环节··························，·····················……26
三运用信贷风险管理技术····································……28
四建立信用报告制度—信贷防火墙·····················……29五建立同业信贷查询系统···········，························……33
第四章重提主办银行制度·········································，·，·…38
一现阶段，银企之间的关系·························，·，··········一38
二当前银企关系存在的问题····································……39
三银企关系模式的借鉴与选择·································……40
四关于建立新型银企关系····，··································……42
五主办银行制度-一解决现阶段商业银行贷款风险问题的一条
途径············，，··············································……44
参考文献····················，·····················，·······················……53
谢辞········································································……56
目前我国商业银行正面临着严重的贷款风险，本文在经过大量的
实践调查、理论研究与查阅中外文献研究之后，结合我国现阶段经济
管理体制、银行管理体制的巨大变革的历史阶段对银行产生的重大影
响，提出了我国商业银行贷款风险存在的一般原因与特殊历史阶段原
因(即l、体制失范2、政策偏狭3、行政干预4、企业改革不彻底等
深层次原因)。针对以上原因，本文提出了防范与化解贷款风险的一些
措施:如建立预警系统、程序控制等，并提出了要恢复主办银行体制
的观点，以期对我国商业银行贷款风险控制能力的提升有所帮助。
关键词:商业银行、贷款风险、控制、主办银行制
第一章贷款风险的概念与分类·······································……1
一定义·······························································……1
二‘贷款风险的分类··········，·················...·.·.·...……，..……l
第二章现阶段商业银行存在不良贷款深层次的原因············……4
一现阶段商业银行存在不良贷款现状·····················……4
二现阶段商业银行存在不良贷款深层次的原因············……6
第三章防范与化解商业银行贷款企业贷款风险的途径······……22
一加强贷款企业分析··········································……22
二建立信誉调查制度是开展贷前调查设置风险防范的第一道防
线的重要环节··························，·····················……26
三运用信贷风险管理技术····································……28
四建立信用报告制度—信贷防火墙·····················……29五建立同业信贷查询系统···········，························……33
第四章重提主办银行制度·········································，·，·…38
一现阶段，银企之间的关系·························，·，··········一38
二当前银企关系存在的问题····································……39
三银企关系模式的借鉴与选择·································……40
四关于建立新型银企关系····，··································……42
五主办银行制度-一解决现阶段商业银行贷款风险问题的一条
途径············，，··············································……44
参考文献····················，·····················，·······················……53
谢辞········································································……56
