摘要：在我国社会的进步和经济的发展的大背景下，我国商业银行的发展也达到了一个新高度。2008年金融危机之后，中国政府为了降低金融风险，并促进社会经济的发展，加紧了对商业银行的贷款限制，并将商业银行贷款集中投向了水利、公共设施、制造业等国有资本雄厚的少数行业。这种做法才当时环境下对我国的社会经济产生了积极的影响，但是如今随着金融改革的深入，商业银行贷款行业集中的弊端日益体现出来。商业银行不良贷款不断增加，银行业金融风险持续加剧。因此在这样的背景下，分析贷款的行业集中对我国商业银行不良贷款影响，并通过实证研究提出有效的建议措施，这对我国商业银行健康发展具有重大意义。30405
毕业论文关键词：不良贷款，贷款的行业集中，商业银行
An Empirical Study of The industry concentration of the loan on non-performing loans of commercial banks
Abstract: With the development of our society and the development of economy, the development of commercial banks in our country has reached a new height.After the 2008 financial crisis, China government in order to reduce the financial risks, and promote the development of social economy.The government stepped up lending restrictions on commercial banks, and focused on commercial bank loans to invest in water conservancy, public facilities, manufacturing and other state-owned capital of a small number of industries.This approach had a positive impact on the social economy of our country at that time,With the deepening of financial reform, the drawbacks of the commercial bank loan industry is increasingly reflected.The non-performing loans of commercial banks are increasing, and the financial risk of the banking industry is increasing.In this context, impact on the non-performing loans of commercial banks in China from industry analysis of loans, and through empirical research suggests effective measures, which is of great significance to the healthy development of China's commercial banks.
Keywords: non-performing loans, loan concentration on one industry, commercial banks
目 录
摘要 I
关键词 I
Abstract I
Keywords I
第一章 引言 1
1.1 选题背景及研究意义 1
1.2 国内外研究现状 1
1.2.1 国外研究现状 1
1.2.2 国内研究现状 2
1.3 技术路线 3
第二章 商业银行不良贷款的基础理论 4
2.1 不良贷款的含义 4
2.2 不良贷款的分类 4
2.3 形成商业银行不良贷款的理论基础 4
2.3.1 贷款风险管理理论 4
2.3.1 银行行为理论 5
2.3.3 金融内在脆弱性理论 5
第三章 分析贷款行业集中对我国商业银行不良贷款影响的成因 6
3.1 贷款行业集中概述 6
3.1.1 贷款行业集中的基本含义 6
3.1.2 货款行业集中的基本特点 6
3.2 我国商业银行贷款投向行业过度集中的现状分析 6
3.2.1 贷款行业集中现状 6
3.2.2 贷款的行业集中对不良货款的影响 7
3.3 从行业集中度角度分析不良贷款的产生 7
3.3.1 从宏观经济学的角度分析 7
3.3.2 从银行自身角度分析 8
3.3.3 从借款行业分析 8
第四章 贷款的行业集中对商业银行不良贷款影响的实证分析 9
4.1 模型变量及数据处理 9 贷款的行业集中对我国商业银行不良贷款的影响研究:http://www.751com.cn/jingji/lunwen_26083.html