我国商业银行贷款风险评估体系-研究——以h银行为例

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1、万方数据我国商业银行贷款风险评估体系研究英文摘要Theresearchonriskassessmentsystemofcommercial■l●—弋1●DankSlnUnlnaTakingHbankasanexampleAbstractWiththecontinuouschangesoftheinternalandextemalenvironmentofthecommercialbanks，theriskoftheloanisfacedwiththecomplexityofthedevelopmentofthecommercialbanks．A

2、lthoughtherelevantscholarsandexpertsforthecommercialbankloanriskresearchcarriedoutfruitfulexploration，butcommercialbankloanriskassessmentisalwaysaworldproblem．Inthispaper，theriskassessmentsystemofcommercialbanksisstudiedbyusingqualitativeresearch，quantitativeresearchandcompa

3、rativestudy．Firstofall，thegeneraltheoryofcommercialbankloanriskissystematicallystudied．Secondly，thepaperanalyzesthehistoricaldataofChina’Scommercialbankloan．whichmakesthecommercialbankloanriskinourcountry．Third，weconsidertheriskfactorsofcommercialbankloan，andthenconstructthe

4、indexsystemofcommercialbankloanrisk．Three．Inthispaper，wehavethefollowingfindings：(1)theriskofcommercialbanks’loanriskisgraduallyemerging，thelackofscientificloanevaluationsystemhasbecomeacommercialbankriskprevention，assessmentandcontrolofthemainobstacles．(2)inthestudyoftheris

5、kassessmentsystemofHcommercialbank，theriskassessment，trackingandsupervisionoftheloanbeforetheloan，loanandafterloan．Fromthespecificindicators，creditriskandmarketriskisthemainriskofHcommercialbanks，especiallytheexternalcreditsystemisnotperfect，moralhazardandadverseselectionhas

6、becomethebiggestreasonformeexternalriskofcommercialbanks，andtheintemalriskcontrolisalsothekey．(3)theimprovementofriskassessmentsystemofHcommercialbankneedstoestablishtheriskassessmentsystem，perfecttheapprovaldecisionsystemandbuildthecreditmonitoringsystem．Finally，onthebasiso

7、fthepreviousresearch，theCountermeasuresofthecommercialbankloanriskassessmentsystemareputforward．OntheestablishmentofcreditriskearlyIII万方数据英文摘要我国商业银行贷款风险评估体系研究warningsystem，andCanclearbeforetheloanfromtheevaluationcontent，enhancethelevelofbusinesspeopleandinnovationriskassess

8、mentmethodof；toperfecttheloanapprovaldecisionsystem，optimizetheapprovalpers