论商业银行信贷风险与收益关系的平衡

论商业银行信贷风险与收益关系的平衡-就中国农业银行股份制改革而言(论文4900字)
【摘要】：商业银行信贷风险管理作为银行的极为重要的研究领域，那么其收益与风险之间的平衡性也是我国商业银行追求的主要目标。本文将以一般商业银行共有的弊病和我国商业特定的国情形式下中国农业银行股份制改革过程中的管理制度的缺陷来分析我国商业银行信贷风险存在的缘由。并在此缘由的前提下，切实指出我国商业银行信贷风险管理制度的发展方向，建立和完善我国现有金融管理制度环境。在此大环境下改变我国商业银行信贷风险管理环境，确立宏观经济指导与市场自我调节的商业银行信贷风险管理制度，加快建设以市场为主导的商业银行信贷风险管理机制。以探寻在中国农业银行股份制改革过程中商业银行信贷风险和收益关系之间的平衡。

关键词： 商业银行；信贷风险；收益；平衡

【Abstract】：An important research area for commercial bank credit risk management as the bank, then the balance between the income and risk of Chinese commercial bank is the main aim of the defects, Agricultural Bank of Chinese joint-stock reform of commercial banks in general common ills and our commercial particular conditions form the management system to analyze the reason there is credit risk of commercial banks in China, the premise and the reason, and pointed out the development direction of the system of credit risk management of commercial banks in China, the establishment and improvement of China's existing financial management system, change the environment of credit risk management of commercial banks in China in this environment, the establishment of macroeconomic guidance and the market self adjustment of credit risk management system of commercial banks, accelerate the construction of market-oriented commercial bank credit risk management mechanism. To explore the commercial bank credit risk and return relationship in the process of Agricultural Bank of Chinese joint-stock reform of balance.

Key Words：Commercial bank ；credit risk； return ；balance