我国国有商业银行信贷风险存在的问题与对策探究.doc

我国国有商业银行信贷风险存在的问题与对策探究 摘 要 随着经济全球化步伐的不断加快，国有商业银行成为国家金融体制改革和可持续发展战略不可或缺的角色。我国国有商业银行面临的一个难题是如何较好地化解信贷风险。本文在分析国有商业银行信贷风险产生的原因当前信贷风险管理中存在问题的基础上,通过对国有商业银行信贷风险管理制度的探讨,指出国有商业银行信贷风险产生的原因复杂,应该进行改革和完善把与国有商业银行信贷风险管理结合起来,在业务的开展中去防范风险,化解风险。由于长期以来形成的不良资产过于庞大,加转型经济带来的诸多不确定性,国有商业银行的信贷风险管理工作依然任重道远。China’s state-owned commercial bank credit risk existence question and countermeasure research Abstract As economic globalization pace accelerate ceaselessly, state-owned commercial banks to become the nations financial system reform and sustainable development strategy the indispensable role. But the state-owned commercial banks credit crisis more and more serious, the State-owned Commercial Bank of our country faces a difficult problem is how to eliminate credit risk better. Based on the analysis of credit risk of state-owned commercial banks and the causes as well as the current credit risk management has in the question foundation, through to the state-owned commercial bank credit risk management system, Points out that the credit risk of state-owned commercial banks causes complex, should from the state-owned commercial banks in their own environment, social environment and market environment three respects proceed with to reform and perfect, the financial market construction and state-owned commercial bank credit risk management together, in the development of the business to guard against the risk, dissolve a venture. But as a result of long-term since formation of non-performing assets is too large, and the transition economy brought a lot of uncertainty, credit risk management of state-owned commercial banks is still a long way to go. Key words: Commercial Banks；Credit risk；Financial system；Management and Prevention 目 录 摘 要 I Abstract II 引 言 1 1 国有商业银行信贷概述 1 1.1信贷风险的基本含义 1 1.2信贷风险的分类 2 1.3信贷风险的特点 2 2 我国国有商业银行信贷风险的现状分析 3 2.1我国国有商业银行风险的现状 3 2.1.1银行业市场份额集中偏高 3 2.1.2银行贷款不良比率偏高 3 2.1.3国有商业银行资金结构不合理 4 2.2国有商业银行信贷风险存在的问题 5 2.2.1呆账坏账多 5 2.2.2拨备覆盖率拉高 5 2.2.3信贷资产收益率低 5 2.2.4资本充足