1、广西大学行健文理学院毕业论文题目:中国工商银行信用风险管理研究学 部： 商学部 专 业： 会计学 班 级： 2015 级4班 学 号： 1538080435 学生姓名： 林燕昕 指导教师： 姚 婷 二一九 年 四 月摘要自从2017年之后，中国国民经济呈现出上升的趋势，中国的经济正在逐渐的向着更高的高度迈进，在这种背景下，银行的信贷服务业务也逐渐的呈现出繁荣的趋势，但经济金融环境依然复杂多变，近年来中国的金融风险频繁发生，并且呈现出愈演愈烈的势态，在这种形势下，银行风险管理任务愈加沉重，而银行管理中信用风险管理依旧非常的重要。加强银行信用风险的管理是商业性银行发展的需要，更是全球经济可持续发展
2、的必然需求。所以，如何有效地管理及控制信用风险已成为当前经济形势下的一项具有很强挑战性的任务。通过本次研究能够为中国商业银行的信用风险管理提供有效的理论支持，文章以工商银行的信用风险管理为研究样本，结合相关的理论进行了一系列的研究。文章结合经济发展的背景对信用管理的根源问题进行了研究。本文的研究结构分成了六部分，首先是研究的社会背景和本次研究的内容以及方法等。第二阐述了信用风险管理的国内研究现状及其相关概念；第三通过银行管理中的信用指标和风险的实际情况进行了详细的研究，分析出了信用管理的根源问题。第四部分是结合现在国内银行的真实情况分析出目前存在的管理缺陷和形成风险的原因；第五主要针对发现的问
3、题，提出对中国工商银行信用风险管理的建议和对策；第六为全文总结。通过本次研究商业银行中信用风险的管理能够有助于提升国内银行的进一步发展，为国内经济的发展提供更好的环境。通过工商银行的管理实例分析能够证明研究银行的信用风险管理结构具有非常重要的现实意义，对提升银行的竞争力具有非常明显的促进作用，同时能够为国民经济的发展提供稳定的环境保障。由于对其信用风险进行防范和化解，并且对促进其健康、持续发展具有一定的意义。关键词：工商银行 信用风险 风险管理 Research on credit risk management of ICBIAbstractSince 2017, Chinas nation
4、al economy has shown an upward trend, and Chinas economy is gradually moving towards a higher level. In this context, the credit services business of banks has gradually shown a prosperous trend, but the economic and financial environment is still complex and changeable. In recent years, Chinas fina
5、ncial risks have occurred frequently and showed a growing trend. Under the situation, the task of bank risk management is becoming heavier and heavier, while the credit risk is still the most serious type of risk in bank credit services. Strengthening the credit management of banks is not only the n
6、eed of commercial banksdevelopment, but also the inevitable demand of sustainable development of global economy. Therefore, how to effectively manage and control credit risk has become a very challenging task in the current economic situation.This study studies the credit management of Bank of China
7、, and analyses the management risk in the current bank credit business through specific bank operation examples and related theories. Based on the background of economic development, this paper studies the root of honesty management. The research structure of this paper is divided into six parts. Th
8、e first part is the social background of the study, the content and methods of this study. Secondly, it elaborates the domestic research status and related concepts of credit risk management. Thirdly, it makes a detailed study of the credit indicators and the actual situation of risk in bank managem
9、ent, and analyses the root causes of credit risk management. The fourth part combines the real situation of domestic banks to analyze the current management defects and the reasons for the formation of risks; the fifth part mainly aims at the problems found, puts forward suggestions and Countermeasu
10、res for the credit risk management of ICBC; the sixth part is the summary of the full text. Research on domestic banks can help to enrich the theory of bank management. This study analyses the credit risk. Therefore, it plays a very important role in the management of bank credit rating. It can enha
11、nce the competitiveness of banks in the process of operation, enhance the national economic strength, and provide the necessary guarantee for the rapid development of Chinas social economy. Because of its credit risk prevention and resolution, and to promote its healthy and sustainable development h
12、as a certain significance. Keywords: ICBI The credit risk Risk management目录1.第一章引言61.1研究背景及意义61.2研究内容及方法72.第二章信用风险管理国内研究现状及其相关概述82.1国内研究现状82.2相关概念93.第三章中国工商银行信用风险管理现状103.1中国工商银行主要资产现状103.2工商银行信用监管风险指标184.第四章工商银行风险管理存在的问题及成因224.1资产质量相对较低224.2贷款结构不均衡234.3行业贷款集中度偏高254.4信用风险的成因255.第五章信用风险管理改进措施和建议265.1提
13、高银行风险管理量化评估能力265.2对不同行业和地域进行针对性管理275.3加强银行风险管理体系建设28第六章 结论291. 第一章引言1.1研究背景及意义1.1.1研究背景本次研究是在2017年之后国民经济得到快速发展的前提下进行的一系列研究。随着国民经济的进一步发展，中国商业银行对于信贷服务逐儀漀眀愀瀀瀀栀琀洀氀匀艫谀一桃/Mk前台访问/p-2934734.html163.172.238.1810歔%最瀀栀琀洀氀唀艫一/Ga前台访问/p-3411.html121.58.93.1820歖%匀洀眀愀瀀搀栀琀洀氀圀艫一5Sowap前台访问/p-1946660.html220.181.108.97
14、0歘勈嚄最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀夀艫一/Ga前台访问/p-3410.html121.58.93.1820歚%掠最瀀栀琀洀氀嬀艫葒一晲/Mi前台访问/d-2916639.html173.231.59.2010歜聠匀漀眀愀瀀瀀栀琀洀氀崀艫葒一插5ewap前台访问/BookRead.aspx?id=660100111.206.221.900歞勈嚄最蔀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀开艫怃一/a前台访问/BookRead.aspx?id=2934734163.172.238.1810歠%掠愀瀀栀琀洀氀愀艫一5Sowap前台访问/p-1946668.html116.179.32.2050止呖
15、匀焀挀栀琀洀氀挀艫葒桖一晲/Mg前台访问/d-1382814.html40.77.167.1890此剣最蔀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀攀艫葒桖一晲/Mg前台访问/d-2458235.html185.191.171.50武勈嚄匀焀眀愀瀀瀀栀琀洀氀最艫葒鑖一5gwap前台访问/BookRead.aspx?id=1946668111.206.221.130歨%掠愀瀀栀琀洀氀椀艫鐀一5Sqwap前台访问/p-1946670.html220.181.108.1650歪呖匀漀挀栀琀洀氀欀艫葒一5gwap前台访问/BookRead.aspx?id=1946662111.206.221.1120歬最瀀栀琀
16、洀氀洀艫葒一/Ge前台访问/d-7914.html222.191.169.1670歮%欀瀀栀琀洀氀漀艫葒一/Ga前台访问/p-3407.html121.58.93.1820歰勈嚄椀瀀栀琀洀氀焀艫一5gwap前台访问/BookRead.aspx?id=1946670111.206.198.1240歲匀洀眀愀瀀瀀栀琀洀氀猀艫一湃/Ga前台访问/p-3406.html121.58.93.1820歴%掠椀搀栀琀洀氀甀艫葒一/Mi前台访问/p-1032794.html59.110.236.1070歶%最瀀栀琀洀氀眀艫葒一/a前台访问/BookRead.aspx?id=1946662111.206.221
17、.1120歸勈嚄椀瀀栀琀洀氀礀艫舃掲一/Ga前台访问/p-3403.html121.58.93.1820歺匀焀眀愀瀀瀀栀琀洀氀笀艫瀀一/Mg前台访问/p-1676700.html40.77.167.1890歼%愀瀀栀琀洀氀紀艫瀀一5Sqwap前台访问/p-1946714.html220.181.108.1670歾勈嚄最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀缀艫鰀一/Mk前台访问/p-1564019.html220.181.108.1420殀%愀瀀栀琀洀氀脀艫一桃5Sqwap前台访问/d-2804004.html110.249.201.2020殂%最瀀栀琀洀氀茀艫一/Kg前台访问/p-643012.
18、html116.179.32.2260殄%掠愀瀀栀琀洀氀蔀艫一5gwap前台访问/BookRead.aspx?id=1946714111.206.221.430殆最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀蜀艫一桃/Mk前台访问/p-2934746.html163.172.238.1810殈匀焀眀愀瀀瀀栀琀洀氀褀艫葒一5Smwap前台访问/p-1946718.html116.179.32.510殊怔最搀栀琀洀氀謀艫葒一/Ga前台访问/p-3400.html121.58.93.1820殌剣椀搀栀琀洀氀贀艫持一/Mi前台访问/p-1185523.html116.179.32.1420殎最茀眀愀瀀漀漀欀刀攀
19、愀搀愀猀瀀砀椀搀輀艫一/Mg前台访问/p-2454900.html207.46.13.1640殐剣紀需挀栀琀洀氀鄀艫一5Smwap前台访问/p-1947481.html116.179.32.130殒勈嚄愀缀漀漀欀刀攀愀搀愀猀瀀砀椀搀錀艫囓硔一/前台访问/free-0002100004-1-0-0-0-0-0-1-1-1.html203.208.60.70殔鋌紀需挀栀琀洀氀销艫怃硉一5gwap前台访问/BookRead.aspx?id=1947481111.206.198.390殖%掠最瀀栀琀洀氀需艫砀一5Sowap前台访问/p-1946712.html116.179.32.201%最瀀栀琀洀氀
20、餀艫怃一5gwap前台访问/BookRead.aspx?id=1946718111.206.221.440殚最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀鬀艫舃掲一/Mi前台访问/p-1502334.html220.181.108.930殜%紀需挀栀琀洀氀鴀艫一5Smwap前台访问/p-1947485.html116.179.32.470殞勈嚄眀輀挀栀琀洀氀鼀艫葒一/Mg前台访问/p-1704509.html207.46.13.1640殠勈嚄紀需挀栀琀洀氀艫一5Sowap前台访问/p-1947477.html116.179.32.1690殢剣紀需挀栀琀洀氀艫一/Mg前台访问/d-2002053.html
21、207.46.13.1640殤聠最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀艫一/Mi前台访问/d-2916642.html173.231.59.2010殦匀漀眀愀瀀瀀栀琀洀氀艫吀一5gwap前台访问/BookRead.aspx?id=1946716111.206.221.1010殨匀焀眀愀瀀瀀栀琀洀氀艫耵一/a前台访问/BookRead.aspx?id=2934719114.40.243.390殪蜀唀猀攀爀愀渀愀最攀漀瀀礀爀椀最栀琀瀀瀀攀愀氀愀猀瀀砀戀椀搀艫怃聉一5gwap前台访问/BookRead.aspx?id=1947477111.206.198.1200殬蜀唀猀攀爀愀渀愀最攀漀瀀礀爀椀最栀琀
22、瀀瀀攀愀氀愀猀瀀砀戀椀搀艫一5Sowap前台访问/p-1947479.html116.179.32.1960殮鋌%椀瀀栀琀洀氀艫一桃/Mg前台访问/d-2756810.html121.58.93.1820殰%掠最瀀栀琀洀氀艫一/前台访问/UserManage/CopyrightAppeal.aspx?bid=2717907121.58.93.1820殲匀漀眀愀瀀瀀栀琀洀氀艫葒一/Mg前台访问/d-2717907.html121.58.93.1820殴聠最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀艫一5Smwap前台访问/p-1946710.html116.179.32.720殶剣挀甀栀琀洀氀艫怃一5g
23、wap前台访问/BookRead.aspx?id=1946700111.206.221.960殸蜀唀猀攀爀愀渀愀最攀漀瀀礀爀椀最栀琀瀀瀀攀愀氀愀猀瀀砀戀椀搀艫持一旴/Gc前台访问/i-4977.html185.191.171.430殺匀洀眀愀瀀瀀栀琀洀氀艫葒一仲5gwap前台访问/BookRead.aspx?id=1946710111.206.198.2090殼%最搀栀琀洀氀艫一桃/Mi前台访问/d-2916643.html173.231.59.2010殾匀漀眀愀瀀搀栀琀洀氀艫尀一桃/Mg前台访问/d-2756827.html121.58.93.1820毀鋌%欀瀀栀琀洀氀艫葒屖一仲5Smwap
24、前台访问/p-1947483.html116.179.32.830毂呖眀鄀琀愀最樀椀渀最欀愀渀最稀栀椀挀栀椀搀攀眀攀椀砀椀愀渀昀攀椀栀琀洀氀艫葒屖一/前台访问/UserManage/CopyrightAppeal.aspx?bid=2582098121.58.93.1820毄匀焀眀愀瀀瀀栀琀洀氀艫蠀一桃/Mg前台访问/d-2582098.html121.58.93.1820毆勈嚄最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀艫一桃/Kg前台访问/d-642191.html185.191.171.220毈匀焀眀愀瀀瀀栀琀洀氀艫一/Mg前台访问/p-2938361.html106.12.99.1970毊剣铰
25、最瀀栀琀洀氀艫鄃掳一羱/Ic前台访问/u-30547.html121.58.93.1820毌聠最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀艫一/前台访问/UserManage/CopyrightAppeal.aspx?bid=2484481121.58.93.1820毎勈嚄最瀀栀琀洀氀艫葒一/a前台访问/BookRead.aspx?id=2938116163.172.238.1810毐匀洀眀愀瀀瀀栀琀洀氀艫一旟/前台访问/UserManage/CopyrightAppeal.aspx?bid=2484425121.58.93.1820毒%掠最瀀栀琀洀氀艫一5gwap前台访问/BookRead.aspx
26、?id=1946708111.206.222.1370比%攀瀀栀琀洀氀艫一/Mg前台访问/d-2484481.html121.58.93.1820毖匀焀眀愀瀀瀀栀琀洀氀艫葒一/Mg前台访问/p-2399592.html157.55.39.1230毘蜀唀猀攀爀愀渀愀最攀漀瀀礀爀椀最栀琀瀀瀀攀愀氀愀猀瀀砀戀椀搀艫一5Sowap前台访问/p-1947487.html116.179.32.198%最搀栀琀洀氀艫葒摖一/Mi前台访问/d-2916644.html173.231.59.2010毜最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀艫葒摖一/a前台访问/BookRead.aspx?id=2938367116
27、.18.229.320毞匀漀眀愀瀀瀀栀琀洀氀艫葒摖一5gwap前台访问/BookRead.aspx?id=1946704111.206.221.20毠剢最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀艫搀一/前台访问/UserManage/CopyrightAppeal.aspx?bid=2484307121.58.93.1820毢聠最蔀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀艫退一桃/Mi前台访问/p-1946704.html111.206.221.280毤%最搀栀琀洀氀艫退一/Mg前台访问/d-1371803.html157.55.39.1230毦勈嚄攀瀀栀琀洀氀艫退一5Sqwap前台访问/p-1947465
28、.html220.181.108.1010毨勈嚄蜀唀猀攀爀愀渀愀最攀漀瀀礀爀椀最栀琀瀀瀀攀愀氀愀猀瀀砀戀椀搀艫葒一仲/Mg前台访问/p-1791536.html157.55.39.1230毪%最搀栀琀洀氀艫一5Sqwap前台访问/p-1947475.html220.181.108.1070毬勈嚄匀焀眀愀瀀瀀栀琀洀氀艫一/前台访问/UserManage/CopyrightAppeal.aspx?bid=2484292121.58.93.1820毮鋌%椀瀀栀琀洀氀艫持一諴/Kc前台访问/p-916935.html157.55.39.950毰勈嚄攀瀀栀琀洀氀艫一桃/Mg前台访问/d-2484425.
29、html121.58.93.1820毲聠最茀眀愀瀀漀漀欀刀攀愀搀愀猀瀀砀椀搀艫一/Ke前台访问/p-101156.html157.55.39.1230毴%掠最搀栀琀洀氀艫一5gwap前台访问/BookRead.aspx?id=1947455111.206.221.90毶最搀栀琀洀氀艫一桃/Mk前台访问/p-1261322.html220.181.108.1700毸%攀瀀栀琀洀氀艫葒一/前台访问/UserManage/CopyrightAppeal.aspx?bid=2484265121.58.93.1820毺勈嚄愀笀漀漀欀刀攀愀搀愀猀瀀砀椀搀艫一5Smwap前台访问/p-1947463.htm
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