摘要
我國(guó)加入WTO后，國(guó)內(nèi)商業(yè)銀行，信貸風(fēng)險(xiǎn)管理方面的改進(jìn)是國(guó)有商業(yè)銀行近年來(lái)最明顯的進(jìn)步之一，這些銀行先后采用了審貸分離、集體審議、分級(jí)授權(quán)等信貸管理制度，引進(jìn)了信用評(píng)級(jí)、貸款評(píng)估、客戶授信、貸款五級(jí)分類等信貸管理工具。信用風(fēng)險(xiǎn)是我國(guó)商業(yè)銀行的主要風(fēng)險(xiǎn)，目前我國(guó)商業(yè)銀行的信用風(fēng)險(xiǎn)管理水平偏低，傳統(tǒng)的信用風(fēng)險(xiǎn)管理缺乏主動(dòng)性的理念，信用風(fēng)險(xiǎn)管理缺乏系統(tǒng)性，導(dǎo)致我國(guó)商業(yè)銀行信貸資產(chǎn)質(zhì)量普遍較差，嚴(yán)重影響了銀行的收益。
2008年在金融危機(jī)背景下的中國(guó)xx銀行不良貸款余額不增反降，比上年末下降73億元，不良率同比下降0.45個(gè)百分點(diǎn)至2.29%，連續(xù)9年實(shí)現(xiàn)“雙下降”，一度躍居世界銀行之首。
本文對(duì)中國(guó)xx銀行信用評(píng)級(jí)進(jìn)行了全面的研究，闡述了中國(guó)xx銀行信用評(píng)級(jí)方法及其管理。
關(guān)鍵字 中國(guó)xx銀行 信用評(píng)級(jí) 方法
Abstract
After our countries join into WTO,the internal commercial banks,the improvement in cridit risk management of the internal commercial banks is the most obvious advancement in recent years.The banks successively used some managing systems such as separation of the auditing and loan,collective consideration,graduation authorization and introduced into some credit managing tools which are credit rating,loan eva luation,customer credit,five levels of classifications for loan and so on.Credit risk is the predominant of all the risks commercial banks conftont in China.And at present,the level of credit risk management of commercial banks is relatively inferior.The lack of sense of initiative and systematic planning in traditional credit risk management.Results in the low quality of the credit property of the commercial banks and the great decrease of the benefits of the banks.
Financial crisis in 2008 against the backdrop of the Industrial and Commercial Bank of China is not the balance of non-performing loans decreased by more than 7.3 billion decline the previous year,year-on-year decline in non-performing rate of 0.45 percentage point to 2.29 percent,for 9 consecutive years to achieve the “double down”,had leapt first in the World Bank.In this paper,the Industrial and Commercial Bank of China’s credit rating to carry out a comprehensive study on the Industial and Commercial Bank of China’s credit rating and management methods.
In this paper,the Industrial and Commerical Bank of China’s credit rating to carry out a comprehensive study on the Industrial and Commerical Bank of China’s credit rating and management methods.