转型期我国商业银行信用风险问题研究
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摘要
商业银行的信用风险是银行业,乃至整个金融业主要的风险形式。我国商业银行的信用风险对我国银行业的发展和改革有重大的影响,甚至可以影响到我国宏观经济的运行和发展,并且进一步导致严重的社会危机。所以对我国商业银行信用风险问题进行研究是防范商业银行金融风险的重中之重。转型期,我国商业银行作为金融市场主体积累了大量的信用风险,通过对我国商业银行信用风险问题的研究分析,为防范和控制我国商业银行现阶段的信用风险具有重要的战略意义。
转型期,我国商业银行作为金融市场主体积累了大量的信用风险,通过对我国商业银行信用风险问题的研究分析,为防范和控制我国商业银行现阶段的信用风险具有重要的战略意义。本文综合运用马克思主义政治经济学、制度经济学、信息经济学、金融学等理论,首先对商业银行信用风险进行了一般概述分析;其次,分析了我国商业银行的信用风险现状,剖析了现阶段我国商业银行的信用风险特点、信用风险存在的主要问题和以及信用风险的成因;最后,通过创新信用风险管理组织和管理体系、构建内部信用评级体系、塑造信用风险文化体系、完善我国商业银行的信用风险预警系统等四个方面的措施来,完善并强化我国商业银行信用风险控制的对策,以达到强化对商业银行信用风险的控制。
In general, financial risk of commercial bank includes credit risk, market risk, and liquidity risk, operating risk, legal risk and policy risk. The main risk form is credit risk to banking industry and even the entire financial industry. A research on global banking crisis from the World Bank indicates that the most common cause leading to bank failures is credit risk. Chinese commercial bank's credit risk not only influences its reform and development, but also seriously has a strong impact on healthy macroeconomic operation and even cause and triggers a severe social crisis. As a result, the study on Chinese commercial bank credit risk problems should be the core of the precautions against financial risk. The study and analysis on this kind of problems will be of important strategic significance to guard against and solve credit risk from Chinese commercial bank credit risk.
At present, commercial bank, the main part, has accumulated large amounts of credit risk. The study and analysis on this kind of problems will be of important strategic significance to guard against and solve credit risk from Chinese commercial bank credit risk. The comprehensive use of Marxist Political Economy,institutional economics, information economics and finance analysis of commercial bank credit risk. First, analysis of commercial bank credit risk with the use of classical theory, information asymmetry theory, game theory; Second, analyze the features, forms and status quo of Chinese commercial bank. Last, to improve and strengthen risk control, though establish and improve the credit risk management organization and all-round risk management system, design and establish internal credit rating system, shape credit risk culture system, strengthen Chinese commercial bank credit risk prevention and control though credit risk early-warning system.
转型期,我国商业银行作为金融市场主体积累了大量的信用风险,通过对我国商业银行信用风险问题的研究分析,为防范和控制我国商业银行现阶段的信用风险具有重要的战略意义。本文综合运用马克思主义政治经济学、制度经济学、信息经济学、金融学等理论,首先对商业银行信用风险进行了一般概述分析;其次,分析了我国商业银行的信用风险现状,剖析了现阶段我国商业银行的信用风险特点、信用风险存在的主要问题和以及信用风险的成因;最后,通过创新信用风险管理组织和管理体系、构建内部信用评级体系、塑造信用风险文化体系、完善我国商业银行的信用风险预警系统等四个方面的措施来,完善并强化我国商业银行信用风险控制的对策,以达到强化对商业银行信用风险的控制。
In general, financial risk of commercial bank includes credit risk, market risk, and liquidity risk, operating risk, legal risk and policy risk. The main risk form is credit risk to banking industry and even the entire financial industry. A research on global banking crisis from the World Bank indicates that the most common cause leading to bank failures is credit risk. Chinese commercial bank's credit risk not only influences its reform and development, but also seriously has a strong impact on healthy macroeconomic operation and even cause and triggers a severe social crisis. As a result, the study on Chinese commercial bank credit risk problems should be the core of the precautions against financial risk. The study and analysis on this kind of problems will be of important strategic significance to guard against and solve credit risk from Chinese commercial bank credit risk.
At present, commercial bank, the main part, has accumulated large amounts of credit risk. The study and analysis on this kind of problems will be of important strategic significance to guard against and solve credit risk from Chinese commercial bank credit risk. The comprehensive use of Marxist Political Economy,institutional economics, information economics and finance analysis of commercial bank credit risk. First, analysis of commercial bank credit risk with the use of classical theory, information asymmetry theory, game theory; Second, analyze the features, forms and status quo of Chinese commercial bank. Last, to improve and strengthen risk control, though establish and improve the credit risk management organization and all-round risk management system, design and establish internal credit rating system, shape credit risk culture system, strengthen Chinese commercial bank credit risk prevention and control though credit risk early-warning system.
引文
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