摘要商业银行自身经营管理过程中面临许多风险，其中信用风险的管理对经济的发展有重要的作用。就我国而言，商业银行的信用风险问题比较突出，这影响我国金融经济的发展。我国政府及银行业采取了一些方式，对不良资产进行处理，但信用风险问题还是较为突出，主要是因为我国的商业银行信用管理还不成熟，信用风险管理技术落后。因此，学习国际上商业银行信用风险管理的实践经验，在巴塞尔新资本协议的指导下，不断完善我国商业银行信用风险管理的实践和理论，对我国商业银行的信用风险管理模式的构建，提高我国商业银行的经营管理能力有重要的作用。因此，本文将通过分析国际上商业银行先进信用风险管理的模式，结合我国的现状，提出对改善我国商业银行信用管理的有效指导意见，以期对商业银行经营与发展自身业务产生积极作用，维护金融经济运行安全。45786
毕业论文关键词：商业银行信用风险；信用风险管理；国际借鉴
Abstract Commercial bank face many risks in management ,credit risk is the most important. In our country ,The credit risk of commercial Banks is very obvious , affected the financial efficiency and security seriously .The government and bank industry has taken some methods to deal with non-performing assets , but the credit risk still exists ,mainly because credit risk management in our country is under developing ,commercial bank credit risk management backward technology .Therefore , studying and learning from the international advanced commercial bank credit management theory practice and technical management , towards international standards has important practical significance to the construction of model credit risk management and to promote the competitiness of commercial bank in China , as well as exploring rays of credit management which caters for the operating environment and characteristics of the modern commercial banks in China. Therefore, this article through the analysis advanced commercial Banks credit risk management model on the international, combining with our country’s situation , give some suggestions and opinions for our country to improve the credit management of commercial banks in China through the discovery of problems ,in order to provide effects on the management of commercial banks and the development of their service to maintain the safety of financial and economic operation.
Key Words：commercial banks credit risk；credit risk management；international learning
目    录
摘    要I AbstractII
1．绪论1
1．1研究背景及选题意义1
1．2文献综述2
1.2.1国内研究现状2
1.2.2国外研究现状2
2．商业银行信用风险概述3
2.1商业银行信用风险的概念、含义3
2.2形成商业银行信用风险的原因3
3．我国商业银行信用风险管理的发展情况4
3.1我国和世界商业银行信用风险管理发展的历程4
3.2我国商业银行信用风险管理的现状及分析5
3.2.1宏观方面5
3.2.2微观方面6
4．国外商业银行信用风险管理分析6
4.1美国商业银行信用风险管理6
4.2日本商业银行信用风险管理8
5．完善我国商业银行信用风险管理的措施8
5．1完善我国商业银行信用风险的外部监管9
5.1.1建立健全我国的信用风险管理法律制度并加强监管9
5.1.2要形成良好的社会信用环境9
5.1.3制定对失信企业约束惩罚机制9
5．2完善我国商业银行信用风险的内部监管9
5.2.1加强我国商业银行信用风险内部控制制度9
5.2.2完善我国商业银行信用风险管理的内部评级体系10
5.2.3严格监控商业银行信用风险核心监管指标10
参考文献  11
致    谢  13 商业银行信用风险国际分析与借鉴:http://www.youerw.com/jingji/lunwen_47360.html