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摘要信贷风险管理是商业银行风险管理的核心内容之一。20世纪90年代以来，由于金融市场日趋复杂，银行信贷风险暴露开始成倍增长，给银行的经营管理带来了挑战。加入WTO之后，我国的经济全球化进程加快，商业银行也取得了飞速发展，但与发达国家相比我国银行信贷风险管理在制度与技术上都存在一些不足。由于商业银行在我国经济中占有重要地位，在经济调整时期，如何准确了解我国信贷风险管理发展现状并正确解决相关障碍至关重要。本文首先从信贷风险管理的一般概念入手，介绍了相关理论知识。其次介绍了信贷风险管理工作的流程。之后将我国信贷风险管理的内部和外部环境结合起来全面分析了当前信贷风险管理的现状，并据此从多个层面上深入探讨和归纳当前存在的问题和缺陷。最后在上述分析的基础上，从内部控制和外部监督两个方面就如何解决当前问题以及提高我国商业银行信贷风险管理水平提出了几点建议。42297
毕业论文关键词：商业银行；信贷风险；信贷风险管理
Research on Credit Risk Management of Commercial Banks in China
Abstract
Credit risk management is one of the core contents of risk management in commercial banks. Since 1990s, due to the increasingly complex financial markets, the exposure of bank credit risk began to grow exponentially, which brings challenges to the management of banks. The entrance of WTO accelerates the financial globalization of china, which in turn makes commercial banks develop considerably fast. But compared to the management of credit risk of developed countries, we still have some shortages in system and technology. Since the commercial banks are vital of our country, it is very important to understand the current situation of credit risk management and solve the related obstacles. This article starts with the general concept of credit risk management, introducing some relevant theories. Then it introduces the process of credit risk management, followed by the integrated analysis of the current situation credit risk management in our country , which is talked from internal and external environment. According to the present situation, the problems and defects of the current problems are deeply discussed and summarized from several aspects in the following part. Finally, on the basis of the above analysis, some suggestions are putting forward from two aspects of internal control and external supervision on how to solve the current problems and improve the level of credit risk management of commercial banks in China.
Key Words：Credit risk； Commercial bank； Credit risk management
目 录
摘要 I
Abstract II
目 录 III
一、引言 1
（一）选题背景和意义 1
（三）文章主要内容与研究方法 2
二、信贷风险管理的概念与内涵 2
（一）信贷风险的含义 2
（二）信贷风险的特点 3
（三）信贷风险管理的含义 3
三、信贷风险管理的基本流程 4
（一）信贷风险管理的原则 4
（二）信贷风险管理一般环节 4
四、我国商业银行信贷风险管理现状