会计学专业 关于商业银行信贷业务风险的调研分析—以中国工商银行广东省分行为例

I 关于商业银行信贷业务风险的调研分析——以中国工商银行广东省分行为例摘 要近几年来，越来越多的公司及个人会因为资金问题向银行贷款，商业银行在经济运行中有着举足轻重的地位。然而，信贷收益作为银行的主要收入，一旦贷款出问题，银行将遭受巨大损失。因此，降低信贷业务风险对银行来说尤为重要。本文以中国工商银行广东省分行为例，结合银行信贷风险的相关理论基础，通过搜索文献、查找数据分析了其存在的信贷风险问题，研究了风险的成因，最后提出了构建预警体系、优化客户评级、落实信贷三查、加强监督及员工综合素质等建议，希望能为健康地发展商业银行信贷业务起到参考作用。关键词：商业银行；信贷业务；信贷风险II An investigation and analysis on the risk of credit business of commercial banksAbstractIn recent years, more and more companies and individuals will be because of the problem of capital to bank loans, commercial banks in the economic operation has a pivotal position. However, credit earnings, as the main income of banks, will suffer huge losses if loans go wrong. Therefore, reducing credit business risk is particularly important for banks. Taking the Guangdong branch of Industrial and Commercial Bank of China as an example, combining the relevant theoretical basis of bank credit risk, this paper studies the causes of risk by searching the literature and looking for data, and finally puts forward some suggestions for constructing an early warning system, optimizing customer ratings, implementing the three checks on credit, strengthening supervision and the comprehensive quality of employees. Hope to healthy development of commercial banks credit business to play a reference role. Key words: Commercial Bank; Credit Business; Credit RiskIII 目 录摘 要....................................................IAbstract.................................................II一、绪 论.................................................1（一）选题的...