商业银行信贷论文-银行信贷风险论文.doc

1、well, with the effectiveness of services to defend the interests of the masses. Third, we should strive to do well. To achieve good practical results, the key is to know the law, to grasp the laws and using laws. Office of economic development, social progress, there are rules to follow. Only act ac

2、cording to the law, to overcome blindness and strengthening initiative, creative. Working in the Office, we should be good at analyzing the essence of things, to find regular thing, change from passive to active, to seek one. Investee 2. establishment of evaluation system. Evaluation system is essen

3、tially an incentive mechanism, the evaluation was objective and fair, reasonable, and can stimulate a persons energy, mobilizing peoples enthusiasm or be misleading, dampened the enthusiasm of people. At present, the concept of people-oriented people, but to establish and perfect evaluation system i

4、s still lagging behind. Work in this area should be seriously caught up. “Three emphasis on“ to take advantage of. Is a focus on standards and scientific. A fundamental point of the evaluation criteria, is to keep contact, development, comprehensive eye evaluation of cadres. Office work, both “recor

5、d“ and “potential performance“; both subjective efforts, take another look at the objective condition; both “pragmatic“ enough, take another look at the “retreat“ level. Second, focus on participating the breadth of the subject. Evaluation of cadres must give full play to democracy, cadres and the m

6、asses handing over evaluation. Office work services leadership and service base, serve the people, then nominated the main object will contain a variety of services, so that assessment was accurate and to avoid one-sidedness. Third, pay attention to the seriousness of the conclusion. The use of eval

7、uation findings is mainly embodied in his direction. Permitted to choose one, it would be tantamount to establishing a banner. Evaluation cant take care of the balance, otherwise it would undermine the offset the positive significance of evaluation. Office of the party committees at all levels shoul

8、d take the findings as on the cadres bonus-penalty, an important basis for future movements, incentive and restraint effect of making evaluations. 3. Prevention of understanding “infidelity“. People-centered development, concrete is dialectical,. In practice in the process, to prevent one-sided and

9、still look, from actual people. One is to use dialectical point of view to understand. Humanist is the core of the scientific Outlook on development, remains the development of the scientific Outlook on development emphasizes, is still taking economic construction as the Center. Any departure from t

10、he development of thought and action, is a misinterpretation and misunderstanding of people-oriented. Adhere to people-oriented both to overcome one-sidedness of the old, but also to prevent one-sidedness, not accelerating the development of people and the opposition. Must be very clear, people orie

11、nted and speeding up development is not opposed, but consistent, we should never bepeople-oriented in the name of reducing our enthusiasm. Premier Wen Jiabaos Government work report this year, identified as 7% growth, 2.1% lower than last years 9.1%, but in 8 work remains to accelerate development i

12、n the first place . Work standards. Second is to use the scale of development to understand. Society is evolving, human needs are also changing. Practice of humanism is a long-term process and cannot be achieved overnight. To treat people if you stand still and rigid dogma, it is possible to return

13、to this, see things but not peoples old ways. Therefore, we have to follow the development of the times, and continue debugging the humanist perspective, innovative people-oriented way. Under the new historical conditions, we are requested by the times, set up a brand new concept, a high starting po

14、int, high standard of armed people, shaping, exercise, people, constantly taking the new connotation of the times. Terms of Office, is to lead the vast numbers of cadres to actively adapt to the knowledge faster and actively adapt to the increasingly high level of leadership situation, actively adap

15、t to the demand of the masses more and more situations, eager to learn, enhance accumulation, efforts, honed the ability to overcome a good service, panic. Third is to use realistic understanding. Adhere to people-oriented must be based on reality, not divorced from reality. Desk no water cups here

16、in Hong Kong, staff need to drink some water to the drinking fountain on a floor, the glass used is a one-time non-cone type. Drink this cup can only hold, cannot be put down. This is not only to save on glass materials, more important is to force you to get drinking water, go back to your seat busi

17、ness. Our emphasis on people-oriented, does not imply you can indulge the desires, the comfortable, the pursuit of enjoyment. Office of the party committees at all levels of our comrades, must continue to maintain the style of plain living and hard struggle, to stand up to the tests of temptations,

18、exciting “energy“ conservation “disposition“ to the spirit of selfless dedication and provide services. Investee 4. clearly defined responsibilities. Putting people first is a common vision of development, everyone is a liability. People-oriented, above and below with the responsibility for coordina

19、ting system must be established and hold everyone accountable. First, we must strengthen the leadership. “In its place, its governance, its level, bear the responsibility of the Division.“ This is the minimum requirement for leaders, is a measure of the basic criteria for whether a leading cadre is

20、competent. Leaders need to “it is an official term for the benefit of“ mission, consciously assume responsibility for implementing people-oriented. Director of the Office of the party committees at all levels is the responsibility of the units to implement people-oriented, to manage their people, “p

21、lug in own responsibility“, effectively enhance the education of leading cadres, cadres and cadres work, efforts to revitalize the Office of human resources, Office work is full of vigor and vitality商业银行信贷论文银行信贷风险论文商业银行信贷风险研究提要本文针对我国商业银行的信贷风险问题，分析风险的主要成因，并提出降低商业银行信贷风险的对策。关键词：商业银行；信贷风险商业银行的信贷风险是指当银行贷

22、款到期而借款人不能按时偿还，使银行信贷资产和收益受到损失的可能性。通过分析研究我国上市商业银行的年报，能够直观地发现信贷收益在银行经营利润中占比很高。信贷业务作为商业银行最主要的盈利业务，对商业银行的经营具有重要的意义，信贷风险不仅关系到商业银行的盈利水平，还关系到银行未来的生存与发展。因此，对商业银行的信贷风险进行研究愈发显得重要与紧迫。一、商业银行信贷风险的主要成因（一）来自外部环境的原因1、立法监管不足。由于我国的金融立法目前尚不够完善，缺乏有效的法律制度保障金融活动的充分进行。目前还未有对恶意逃废银行贷款的刑法，所以相关法律制度的欠缺导致我国商业银行信贷风险的产生。在商业银行信贷活动中

23、，由于客户的道德及信用问题，通过恶意逃废债务使得商业银行信贷资产发生损失，从而产生严重的信贷风险。因此说，由于没有完善的金融法律制度的保障和约束，使我国商业银行的信贷风险加大。well, with the effectiveness of services to defend the interests of the masses. Third, we should strive to do well. To achieve good practical results, the key is to know the law, to grasp the laws and using laws.

24、 Office of economic development, social progress, there are rules to follow. Only act according to the law, to overcome blindness and strengthening initiative, creative. Working in the Office, we should be good at analyzing the essence of things, to find regular thing, change from passive to active,

25、 to seek one. Investee 2. establishment of evaluation system. Evaluation system is essentially an incentive mechanism, the evaluation was objective and fair, reasonable, and can stimulate a persons energy, mobilizing peoples enthusiasm or be misleading, dampened the enthusiasm of people. At present,

26、 the concept of people-oriented people, but to establish and perfect evaluation system is still lagging behind. Work in this area should be seriously caught up. “Three emphasis on“ to take advantage of. Is a focus on standards and scientific. A fundamental point of the evaluation criteria, is to kee

27、p contact, development, comprehensive eye evaluation of cadres. Office work, both “record“ and “potential performance“; both subjective efforts, take another look at the objective condition; both “pragmatic“ enough, take another look at the “retreat“ level. Second, focus on participating the breadth

28、 of the subject. Evaluation of cadres must give full play to democracy, cadres and the masses handing over evaluation. Office work services leadership and service base, serve the people, then nominated the main object will contain a variety of services, so that assessment was accurate and to avoid o

29、ne-sidedness. Third, pay attention to the seriousness of the conclusion. The use of evaluation findings is mainly embodied in his direction. Permitted to choose one, it would be tantamount to establishing a banner. Evaluation cant take care of the balance, otherwise it would undermine the offset the

30、 positive significance of evaluation. Office of the party committees at all levels should take the findings as on the cadres bonus-penalty, an important basis for future movements, incentive and restraint effect of making evaluations. 3. Prevention of understanding “infidelity“. People-centered deve

31、lopment, concrete is dialectical,. In practice in the process, to prevent one-sided and still look, from actual people. One is to use dialectical point of view to understand. Humanist is the core of the scientific Outlook on development, remains the development of the scientific Outlook on developme

32、nt emphasizes, is still taking economic construction as the Center. Any departure from the development of thought and action, is a misinterpretation and misunderstanding of people-oriented. Adhere to people-oriented both to overcome one-sidedness of the old, but also to prevent one-sidedness, not ac

33、celerating the development of people and the opposition. Must be very clear, people oriented and speeding up development is not opposed, but consistent, we should never bepeople-oriented in the name of reducing our enthusiasm. Premier Wen Jiabaos Government work report this year, identified as 7% gr

34、owth, 2.1% lower than last years 9.1%, but in 8 work remains to accelerate development in the first place . Work standards. Second is to use the scale of development to understand. Society is evolving, human needs are also changing. Practice of humanism is a long-term process and cannot be achieved

35、overnight. To treat people if you stand still and rigid dogma, it is possible to return to this, see things but not peoples old ways. Therefore, we have to follow the development of the times, and continue debugging the humanist perspective, innovative people-oriented way. Under the new historical c

36、onditions, we are requested by the times, set up a brand new concept, a high starting point, high standard of armed people, shaping, exercise, people, constantly taking the new connotation of the times. Terms of Office, is to lead the vast numbers of cadres to actively adapt to the knowledge faster

37、and actively adapt to the increasingly high level of leadership situation, actively adapt to the demand of the masses more and more situations, eager to learn, enhance accumulation, efforts, honed the ability to overcome a good service, panic. Third is to use realistic understanding. Adhere to peopl

38、e-oriented must be based on reality, not divorced from reality. Desk no water cups here in Hong Kong, staff need to drink some water to the drinking fountain on a floor, the glass used is a one-time non-cone type. Drink this cup can only hold, cannot be put down. This is not only to save on glass ma

39、terials, more important is to force you to get drinking water, go back to your seat business. Our emphasis on people-oriented, does not imply you can indulge the desires, the comfortable, the pursuit of enjoyment. Office of the party committees at all levels of our comrades, must continue to maintai

40、n the style of plain living and hard struggle, to stand up to the tests of temptations, exciting “energy“ conservation “disposition“ to the spirit of selfless dedication and provide services. Investee 4. clearly defined responsibilities. Putting people first is a common vision of development, everyo

41、ne is a liability. People-oriented, above and below with the responsibility for coordinating system must be established and hold everyone accountable. First, we must strengthen the leadership. “In its place, its governance, its level, bear the responsibility of the Division.“ This is the minimum req

42、uirement for leaders, is a measure of the basic criteria for whether a leading cadre is competent. Leaders need to “it is an official term for the benefit of“ mission, consciously assume responsibility for implementing people-oriented. Director of the Office of the party committees at all levels is

43、the responsibility of the units to implement people-oriented, to manage their people, “plug in own responsibility“, effectively enhance the education of leading cadres, cadres and cadres work, efforts to revitalize the Office of human resources, Office work is full of vigor and vitality2、信用文化淡薄。我国目前

44、处于市场经济制度建立和完善的时期，但是人们的市场信用观念还比较淡薄，这也造成了我国商业银行信贷风险的大量产生。由于人们在信贷活动中的信用观念的淡薄，使得客户对银行提供信息不实、客户信贷活动不履行相应义务等情况不断发生，这些情况使得商业银行信贷风险不可避免地发生。社会的诚信文化已经成为影响商业银行信贷风险的重要因素。3、宏观经济环境影响。由于我国的特殊国情，国有企业的所需资金长期由银行信贷提供，其固定资产投资、经营流动资金等投入都需要商业银行提供。这种情况造成我国国有企业的负债过高，长此以往使得企业经营困难，直接造成了商业银行的信贷风险。我国政府对于商业银行的干预依然存在，一些地方政府为了使国有

45、企业脱离困境，把通过逃废金融债务作为帮助企业的有效手段，因此产生干预商业银行的收贷，从而产生信贷风险。（二）来自银行自身的原因1、商业银行信贷管理机制不健全。在我国商业银行信贷管理上，对信贷更加关注于贷前调查，而对贷后的后续管理工作不重视。对贷款的制约制度不够重视，缺乏相应的指标上的约束。在商业银行中存在贷款对象过多地集中在少数几个企业上，如果企业发生问题，商业银行的信贷风险不可避免地会发生。而且目前，商业银行的竞争日发激烈，对信贷风险的防范产生松懈，企业多头开户与借款，都为债务人逃废债务提供了机会，为商业银行的信贷风险埋下隐患。well, with the effectiveness of

46、services to defend the interests of the masses. Third, we should strive to do well. To achieve good practical results, the key is to know the law, to grasp the laws and using laws. Office of economic development, social progress, there are rules to follow. Only act according to the law, to overcome

47、blindness and strengthening initiative, creative. Working in the Office, we should be good at analyzing the essence of things, to find regular thing, change from passive to active, to seek one. Investee 2. establishment of evaluation system. Evaluation system is essentially an incentive mechanism, t

48、he evaluation was objective and fair, reasonable, and can stimulate a persons energy, mobilizing peoples enthusiasm or be misleading, dampened the enthusiasm of people. At present, the concept of people-oriented people, but to establish and perfect evaluation system is still lagging behind. Work in

49、this area should be seriously caught up. “Three emphasis on“ to take advantage of. Is a focus on standards and scientific. A fundamental point of the evaluation criteria, is to keep contact, development, comprehensive eye evaluation of cadres. Office work, both “record“ and “potential performance“; both subjective efforts, take another look at the objective condition; both “pragmatic“ enough, take another look at the “retreat“ level. Second, focus on participating the breadth of the subject. Evaluation of cadres must give full play to democracy, cadres and the mas