商业银行授信业务管理及风险防范.doc

本科生毕业论文商业银行授信业务管理及风险防范学生姓名指导教师级别学院专业班级学号二0一年月日商业银行授信业务管理及风险防范摘要目前我国商业银行授信业务管理存在着缺陷,授信质量受到影响。因此,国内商业银行必须完善法人治理结构,在此基础上建立健全科学的绩效考核指标、风险控制和决策机制,加强制度建设和执行力度,从而有效控制风险,培育良好的银行授信文化。本文从我国商业银行授信业务管理现状角度出发,深入研究在授信业务管理过程如何建立完善的管理体系,即可以从明确信贷部门职责和提高授信业务管理效率等方面入手,强化商业银行的内部控制。在授信业务风险测度方面介绍了一些近年来全新的测度方法, 同时运用案例结合文章观点阐述了国内外商业银行授信业务风险防范成果。关键词:授信业务管理;风险防范;内部控制 Credit Management and Risk Prevention mercial Bank Abstract At present, mercial Bank Credit Management is flawed, and credit quality is affected. Therefore, mercial banks must improve their corporate governance structure and establish indicators of performance assessment, risk control and decision-making mechanism. Then, they must strengthen the system construction and do some efforts to control the risk effectively. At last, they must bring up good culture of bank credit. This article will start from mercial Bank of China Credit Management status, It will have a deep research in Credit Management and the management of the process of how to create a perfect system, such as duties from clearing the credit sector and improve the credit operations and other aspects of management efficiency and mercial bank's internal control. The article will also introduce a number of new measurement methods in recent years at the part of credit risk measurement, while the article explained some credit business risk prevention results from domestic and mercial banks to elaborate the point of view of this article . Key words : Credit Management , risk prevention , internal control 目录一、绪论.................................................................................................................................... 1 选题背景和研究价值..................................................................................................... 1 主要研究内容................................................................................................................. 1 二、商业银行授信业务概述................................................................................