我國商業(yè)銀行信貸風(fēng)險管理-以農(nóng)業(yè)銀行為例(1)

1、目錄目錄1.引言.............................................................11.1選題背景與研究意義........................................................................................................11.2國內(nèi)外文獻(xiàn)綜述.......................

2、..........................................................................................11.2.1國外文獻(xiàn)綜述........................................................................................................11.2.2國內(nèi)文獻(xiàn)綜述..

3、......................................................................................................31.3本文的研究思路與方法.....................................................................................................41.

4、4本文的創(chuàng)新與不足............................................................................................................42.銀行信貸風(fēng)險管理理論概述.........................................62.1銀行信貸風(fēng)險涵義...................................

5、.........................................................................62.2銀行信貸風(fēng)險管理內(nèi)容....................................................................................................62.2.1銀行貸款風(fēng)險管理的原則................

6、.....................................................................62.2.2信貸風(fēng)險管理的主要內(nèi)容....................................................................................72.3銀行信貸風(fēng)險管理的基本方法.................................

7、.......................................................82.3.1風(fēng)險識別方法及工具.............................................................................................82.3.2風(fēng)險分析方法及工具..........................................

8、..................................................82.3.3風(fēng)險評估方法及工具............................................................................................82.3.4風(fēng)險處理方法及工具................................................

9、............................................92.4銀行信貸風(fēng)險管理基本理論............................................................................................92.4.1資產(chǎn)風(fēng)險管理理論......................................................

10、...........................................92.4.2負(fù)債風(fēng)險管理理論................................................................................................92.4.3資產(chǎn)負(fù)債綜合的風(fēng)險管理理論................................................

11、............................92.4.4委托代理理論......................................................................................................103.農(nóng)業(yè)銀行信貸風(fēng)險管理現(xiàn)狀與問題...................................113.1信貸資產(chǎn)現(xiàn)狀.............

12、.....................................................................................................113.1.1農(nóng)業(yè)銀行總體信貸資產(chǎn)變化狀況.......................................................................113.1.2信貸資產(chǎn)結(jié)構(gòu)分析............

13、..................................................................................113.1.3資產(chǎn)質(zhì)量..............................................................................................................123.1.4資本充足率.....

14、.....................................................................................................133.2信貸風(fēng)險管理機制..........................................................................................................

15、143.2.1全面風(fēng)險管理綜述..............................................................................................143.2.2信用風(fēng)險管理..................................................................................................

16、....153.2.3流動性風(fēng)險..........................................................................................................153.2.4市場風(fēng)險管理.....................................................................................

17、.................163.2.5操作風(fēng)險..............................................................................................................173.3中國農(nóng)業(yè)銀行信貸風(fēng)險管理存在的問題............................................................

18、..........173.3.1信貸風(fēng)險管理組織結(jié)構(gòu)不完善..........................................................................173.3.2沒有自己的風(fēng)險管理文化..................................................................................183.3.3風(fēng)險評級技術(shù)落后，

19、風(fēng)險資產(chǎn)管理問題多......................................................193.3.4信貸信用審查和授予制度不完善......................................................................194.我國農(nóng)業(yè)銀行信貸風(fēng)險管理問題成因分析............................214.1信息不對稱......

20、................................................................................................................214.1.1信息不對稱導(dǎo)致的逆向選擇..............................................................................21CatalogCa

21、talogCatalog1.Introduction.....................................................11.1Backgroundintroduction..............................................................................................11.2Literaturereview.

22、.........................................................................................................11.2.1Feignliteraturereview..............................................................................11.2.2Dome

23、sticliteraturereview............................................................................31.3Methodology.............................................................................................................

24、.........41.4Innovationdeficiencies......................................................................................52.Overviewofcommercialbankcreditriskmanagementthey........62.1Commercialbankcreditriskdefinition..

25、..............................................................62.2Contentofcommercialbankcreditriskmanagement..........................................72.2.1Principlesofriskmanagementofcommercialbankloans................

26、....72.2.2Creditriskmanagementcontents..................................................................72.3commercialbankcreditriskmanagementmethods................................................82.3.1Riskidentificatio

27、nmethodstools......................................................82.3.2RiskAnalysisMethodsTools..................................................................82.3.3Theriskassessmentmethodstools......................

28、................................92.3.4Theriskmanagementmethodstools......................................................92.4Commercialbankcreditriskmanagementthey................................................102.4.1As

29、setriskmanagementthey......................................................................102.4.2Liabilityriskmanagementthey..............................................................102.4.3Balanceriskmanagementthey.

30、.................................................................102.4.4Commissionedbytheagencythey............................................................103.Creditriskmanagementstatusproblems......................1

31、23.1Creditassetsofthestatusquo............................................................................123.1.1Overallchangeinstatusofcreditassets............................................123.1.2Creditassetstructure.

32、.................................................................................133.1.3Qualityofassets............................................................................................133.1.4Thecapitaladequacy

33、ratio..........................................................................153.2Mechanismofcreditriskmanagement....................................................................153.2.1Comprehensiveriskmanagementove

34、rview..................................................153.2.2Creditriskmanagement..................................................................................163.2.3Liquidityriskmanagement..........................

35、..................................................173.2.4Marketriskmanagement..................................................................................173.2.5Operatingriskmanagement...............................

36、.............................................183.3CreditriskmanagementdeficienciesofAgriculturalBankofChina........193.3.1Creditriskmanagementganizationstructureisimperfect..........193.3.2Lackofindividualizedriskmanagem

37、entculture..................................203.3.3Riskratingtechnologicalbackwardness..................................................213.3.4Creditapplicationreviewgrantsystemisimperfect................214Causesofthepr

38、oblemsofChinasAgriculturalBankcreditriskmanagement.........................................................234.1Theinfmationasymmetry.......................................................................................