中文论文题目：平安银行贷款风险评价体系研究摘 要本研究在研究的基础上，分析了贷款风险评价体系的相关研究，结合了国内外商业银行贷款风险评价体系的现状和构造，以及贷款风险的成因，总结了平安银行现行贷款风险评价体系在实际操作中存在的问题和不足，结合理论与国内外文献综述建立新的适合平安银行的贷款风险评价体系，并进行实际验证。本文既有信贷风险管理、风险评价体系的理论介绍，从理论与实际结合着手，明确贷款风险、银行风险评价和信用风险等概念的内涵和外延，并对信贷风险的分类和特点进行了展开，从而对信贷风险管理的目的和原则以及方法进行了论述，又对平安银行现有贷款风险评价体系进行了分析。经过分析，平安银行贷款风险管理方面存在的不足主要表现为：尚未形成正确的信贷风险管理理念。组织架构有待完善，信贷调查不够深入，容易导致决策失误。对宏观政策和产业政策缺乏系统性研究，支撑信贷决策的信息相对不足考核、营销机制不完善，“三查”制度未能完全落实。健康的社会信用体系尚未真正建立。本论文主要对针以上不足得出相关措施对策，以完善平安银行贷款风险管理方面的不足。关键词：商业银行；平安银行；贷款；风险评价体系IAbstractThis study on the basis of the research, analyses the related research of loan risk evaluation system, combined with the present situation and the structure of domestic and foreign commercial bank loan risk evaluation system, and the causes of the loan risk, summarizes the existing in the actual operation of the current loan Ping An Bank Risk Evaluation System Problems and deficiencies, combined with the loan risk evaluation system theory with the domestic and foreign literature review to build new for Ping An Bank, and verify the actual. This paper is introduced the credit risk management, risk evaluation system theory, from the combination of theory and practice to begin, to define the connotation and extension of the loan risk, bank risk assessment and credit risk concept, and the classification and the characteristics of credit risk was launched, and thu...
